Apple Pay Allows Users To Just Leave Credit Cards At Home! How Does It Work?

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Apple
IPhone
IPhone 6
Apple watch

Apple has recently launched its Apple Watch and iPhone 6 and almost everyone's attention. But Apple is also introducing Apple Pay, a new way that could bring much impact on your life.

In a nutshell, Apple Pay somehow replaces your credit cards or even your wallet itself as you use your Apple Watch or iPhone.

Wondering how this one works?

You can pay your purchases without having to get money from your wallet or swipe your credit card.

First, you just have to buy at an Apple Pay friendly store. Choose the items and bring it to the cashier or check out counter. You will then be asked to tap your phone or watch against an NFC scanner. And then you're done!

The total amount of your purchase is deducted from your credit card account. This is safe as neither the storeowner nor Apple would get access to your credit card information. Apple Pay only uses a unique device ID and a security code in the process.

In case you have lost your phone, there is no need to worry! You can use the Apple's Find my iPhone app through your computer or laptop and put the device on Lost Mode. This would deactivate your Apple Pay and no one could use it after. There is no need to cancel the credit card itself. However, there is still no information yet on how you can file disputes through Apple Pay.

Apple Pay is currently being supported by large-scale international bank like Citi and Wells Fargo. More banks are expected to be part of Apple Pay in the coming months.

Apple says this can be used in more than 220,000 retails stores such as Subway, Apple Stores, McDonald's, and Walgreens, among others.

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