Apple Pay is Apple’s contactless payment service, and it’s available to the iPhone 6/6S, 6/6S Plus, iPhone SE, and the iPhone 7 and 7 Plus. The service, like Android Pay, requires stores to have NFC terminals at checkout so that you can simply tap your phone to make a payment.
While Apple was hardly the first with contactless payments, the company’s solution has banks, stores, and companies jumping on the bandwagon and pledging their support for Apple Pay. The payment service also offers reward programs as well as loyalty cards with a number of participating stores and restaurants.
It seems as if new partners are joining every day, so we’ve put together this handy list of all the major partners, which we’ll update as more are added. Here are all the brands and countries that support Apple Pay.
More and more banks support Apple Pay
Apple inked deals with the four major U.S. credit and debit card providers early on: Visa, Mastercard, Discover, and American Express. Apple also has the support of more than 1,500 banks and credit unions in the U.S. as of December 2016. Users can even send money transfers from Apple Pay at Western Union locations.
In October 2017, Discover announced the launch of a new Apple Pay feature: Cashback rewards payments. Cardholders who added a Discover card to Apple Pay and installed the Discover Mobile app can apply their rewards balance to purchases over $1. It’s as simple as making a purchase with Apple Pay using a Discover card, selecting “Tap for details” under the Discover redemption message in Apple Wallet, and tapping to redeem the bonus. One caveat to note is that if you’re on T-Mobile, you have to be connected to a Wi-Fi network.
In May 2017, Apple added 23 banks and credit unions in the United States, including Chevron Federal Credit Union and Manasquan Bank. The company typically expands support to smaller institutions in North America on a regular basis every few weeks; in October 2016, it added Canadian Desjardins customers to the fold. The full list of U.S. and Canadian locations is available on Apple’s website.
In November 2016, Apple updated its list of supported Apple Pay banks to include nine newcomers in China, four in Russia, and more than 30 in Australia. Shortly after, in February 2017, Apple Pay in Russia and Switzerland picked up support for B&N Bank and boon. by Wirecard, respectively.
In October 2016, Apple Pay was made available to The Co-operative Bank and Metro Bank in the U.K. Taiwan looks to be up next for Apple Pay domination, as the four largest financial institutions in the nation appear to be preparing for the contactless payment service.
In February 2015 at the White House Summit on Cybersecurity and Consumer Protection, CEO Tim Cook announced that Apple Pay will support government employees’ credit cards, federal benefit cards for veterans, and social security benefit cards. According to Bloomberg, the government’s deal with Apple Pay includes the Direct Express payment network and government cards from GSA SmartPay.
“We can imagine a day the not-so-distant future when your wallet becomes a remnant of the past.”
At the summit, Cook also hinted that Apple Pay will replace every card in your wallet one day — even drivers’ licenses.
“We can imagine a day the not-so-distant future when your wallet becomes a remnant of the past,” he said. “Your passport, your driver’s license, and other important documents can be digitally stored in a way that’s safe, secure, and easy to access.”
Non-traditional banking and payment companies are also pledging support for the system. Jack Dorsey, the CEO of Square, told CBC that Square will support Apple Pay and Bitcoin payments on its newest registers. Square’s registers are widely used by artists, small indie shops, and other stores, especially in large cities. Alternative registers from First Data’s Clover and others like Poynt, already support Apple Pay.
You can use Apple Pay with the Apple Watch and select apps, too
Seeing as the Apple Watch has NFC technology built-in, it too can tap to pay. With the Apple Watch, you don’t have to physically tap it against the terminal, you just need to get close enough for it to register. A tap of the side button will bring up your credit card, and then you’re good to go.
Online shoppers will also be pleased to note that Apple Pay works with several apps, and more will be added shortly. The Apple Store, Target, AirBnB, Uber, Lyft, Groupon, Instacart, OpenTable, Panera Bread, Sephora, Spring, Starbucks, Tickets.com, and other apps all work with the new system.
We’ll continue to update this article as more partners are announced.
Square virtual payment cards work with Apple Pay
On December 6, Square CEO Jack Dorsey took to the stage at Recode’s Code Commerce event in San Francisco and announced a new integration with Apple. Now, those using Square’s virtual payment cards — essentially digital debit cards that draw funds from your Square Cash account — work with Apple Pay.
“I’ve been using this as my primary card for about two months,” Dorsey said, and the company clearly hopes you will too. Now that Apple Pay has been integrated, you can use Square Cash for much more than peer-to-peer payments, as you can actually buy things from retailers, or pay for services that accept Apple’s payment system.
Apple Pay rewards for loyal customers
Customers can receive rewards through Apply Pay at retail locations and restaurants they frequent often. Punchh — a cloud based technology platform meant to attract a loyal customer base at restaurants through personalized offers — will be participating in Apple Pay starting later this year according to an announcement.
Brands like Smashburger, MOD Pizza, and Quiznos will give customers the option to add a loyalty card to their iOS wallet app during transactions to rack up points for special offers and giveaways.
JCPenney has been added to the list of retail stores accepting Apple Pay within its U.S. locations. This includes support for the store-branded credit cards and reward points through its loyalty program. Customers will also soon be able to make purchases through Apple Pay using the JCPenney app. Kohl’s was the first retail company to offer reward points on Apple Pay with the addition of Dunkin Donuts and Panera. Wegman’s and Whole Foods are set to do the same in the near future.
Apple Pay works at 4 million locations
Apple started out with just 220,000 locations back in September 2014, and the number has grown month after month, despite initial resistance from competing mobile payment platforms.
At the Code Commerce event on December 6, Apple Pay head Jennifer Bailey noted that 4 million locations in the U.S. now support it. That represents around 35 percent of retailers, and this number will only grow, Bailey said. Next year, GAP will join the burgeoning ranks of Apple Pay-savvy retailers, and the Silicon Valley tech giant hopes to go after other large retailers.
And while Apple would obviously love to see growing rates of adoption for its mobile payment system, Bailey said that it doesn’t necessarily have to do so at the expense of EMV chip cards. “Knocking EMV is not necessarily the way to go,” she noted, “I think it’s to increase acceptance and work with great partners.”
Those partners include the New York metro system, which debuted the MTA eTix app, a couple months ahead of schedule. The app supports Apple Pay for train-riding commuters in and around New York City. On October 4, New York Governor Andrew Cuomo announced that Apple Pay technology had been added to the “mobile ticketing app that enables Metro-North Railroad and Long Island Rail Road customers to purchase their tickets anywhere, anytime.” That means that Apple Pay can now be used by New Yorkers to buy one-way, round-trip, ten-trip, and weekly, CityTickets — as well and monthly passes — for the two busiest trains in North America: the Metro-North Railroad and the Long Island Railroad.
“We have worked tirelessly to rebuild and reimagine New York’s transit system for the 21st century and a key part of those efforts is to incorporate the amenities that modern day riders demand,” Governor Cuomo said of the new app and its mobile payment feature. “By adding the use of cutting edge technology like Apple Pay … we are not only making mass transit easier to use but are also improving the overall experience of riders.”
In early February 2016, the company announced that its mobile payment service now works in more than 2 million locations in the United States. Crate & Barrel, Chick-fil-A, Target, and Au Bon Pain are the most recent additions to the long list of retail partners who support Apple Pay.
Rite Aid, a founding member of the exclusionary, rival CurrentC consortium, has reversed course and announced its support for Apple Pay and other contactless transaction methods soon. Several big box retailers support Apple Pay, including Best Buy and Target.
On Apple’s website, the company lists its own store, Bloomingdales, Macy’s, Duane Reade, McDonald’s, Sephora, Petco, Panera Bread, Staples, Nike, Walgreens, Subway, Whole Foods, Marriott, Starbucks and more as participating stores. Other businesses, such as Cinnabon, Chili’s, and Domino’s should add support for Apple Pay sometime this year. Also, chances are, if you see the NFC mobile payments symbol on a cash register, Apple Pay will work at that store, too.
The most recent addition to the list of businesses now supporting the method of payment is Tim Hortons. The Canadian coffee and donut chain redesigned its official app — that allows customers to order and pay ahead of time — to now include Apple Pay.
Apple Pay is rolling out to 100,000 Coke machines. Also, thanks to an earlier deal with USA Technologies, 200,000 vending machines, and self-service terminals will now support Apple Pay. You will be able to tap-to-pay at vending machines, laundromats, parking terminals, and other automated checkout systems with your iPhone instead of pulling out quarters and crinkled dollar bills.
In September 2014, iPhone users will be able to pay admission to national parks with Apple Pay, Tim Cook announced at the White House Summit on Cybersecurity and Consumer Protection.
@SingAsana To clarify, Chevron is working alongside Apple to integrate Apple Pay at the pump, but a timeline is not set.
— Chevron (@Chevron) December 29, 2014
You can already pay for your gas with Apple Pay at many gas stations, but you have to go inside to do so. Since most customers prefer to pay at the pump, Chevron announced via Twitter that it’s working with Apple to bring Apple Pay to the pump.
Apple Pay will also branch out to more large venues and tourist attractions, such as amusement parks and stadiums. The mobile payment service already works in select stadiums’ concession stands around the country. In late December 2014, WDMagic revealed that a few Disney World locations accept Apple Pay. The vast majority of stores, quick service restaurants, bars, and ticket sales booths for rides and other attractions will accept mobile payments from the start.
Apple Pay around the world
Initially, Apple Pay only worked in the United States, but Apple is interested in bringing the service to users in many countries. Apple has to prioritize which countries it will reach first, as the company has to take several factors into account. Apple evaluates credit and debit card penetration, the current infrastructure in place for mobile payments, and the popularity of iPhones in each country.
Whether or not Amex and Visa cards are accepted in each country is also part of the vetting process, because both credit card providers are partners with Apple Pay. Their presence in any given country speeds up Apple Pay adoption. Indeed, that’s likely why so many countries kick off Apple Pay launches with limited support for Amex and Visa cards only.
Apple’s Jennifer Bailey, who heads the company’s payment platform, told The Telegraph in May 2017 that the restrictions in place at many terminals around the U.K. that prevented contactless transactions over 30 pounds are now being lifted. Bailey says Apple Pay should now work with over half the country’s card readers, no matter the amount of the sale — and that should increase in the coming months.
The U.K. was the first country to get Apple Pay after it launched in the U.S. It’s compatible with American Express cards, and more than 20 banks currently support the service including Barclays, Bank fo Scotland, Halifax, HSBC, Lloyds, Barclaycard, Boon, Cash Passport, Clydesdale Bank, First Direct, M&S Bank, MBNA, Metro Bank, Nationwide Building Society, NatWest, Royal Bank of Scotland, Santander, Tesco Bank, The Co-operative Bank, TSB, Ulster Bank, and Yorkshire Bank.
After being teased alongside Germany via Apple’s support pages, Apple Pay finally arrived in Italy in May 2017. At launch, the platform supports Boon, Carrefour Banca and UniCredit cards, with American Express, CartaBCC, ExpendiaSmart, Fineco, Hype, Mediolanum, N26, and Widiba to follow during the next few months.
Australia and New Zealand
Apple is having some trouble getting major banks in Australia to sign up for the service, but as of now HSBC, ANZ, ING Direct, and Macquarie are all supported. HSBC is the latest to join the fold, though only for customers with MasterCard and Visa credit cards. American Express is also supported, as well as cards from other institutions such as The Bank of Sydney, Bank Australia, The Mac, and more. Thankfully, it’s looking increasingly likely that major Australian banks, such as Commonwealth Bank and National Australia Bank, will soon be supported. You can read the full list here.
ANZ is the only supported bank in New Zealand at the moment.
While Germany is not supported yet, evidence discovered by Polish website iMagazine suggests that the service will be coming to the country soon. For example, the website discovered that “About Apple Pay” pages have popped up on the German version of the Apple website. There aren’t any banks listed for the country, but it’s likely we’ll hear more soon.
Spain is the latest country to get Apple Pay support, and you can add credit or debit cards from Carrefour, American Express, Banco Santander, and Ticket Restaurant. The service also supports Mastercard.
Apple says more than 25 major vendors accept Apple Pay, including Media Markt, Starbucks, Bershka, Zara, Repsol, and Pull & Bear.
Apple users in Singapore have been able to use Apple Pay since the summer of 2016, but now HSBC customers can use it as well. The banking institution is offering a promotion for its customers that use Apple Pay — link an HSBC credit card to get $5 off every transaction that’s $10 or more. This offer will last until January 15.
Other banks in Singapore that support Apple Pay are United Overseas Bank, Standard Chartered, OCBC Bank, POSB Bank, American Express, and DBS Bank.
One of the rockier rollouts took place in Japan, where Apple Pay debuted after much anticipation on Oct. 25. Commuters had a difficult time loading their train passes onto their iPhones on the morning after major railways began accepting Apple Pay. Luckily, most services were restored after a couple hours. East Japan Railway Co. noted that much of the disruption was due to “the large number of attempts to access the service,” so it certainly looks as though Apple Pay has come to an eager audience.
At Apple’s September 2016 event, the company announced that it was bringing Apple Pay to Japan. Of course, in Japan, they actually use a different technology to NFC, so along with the launch of Apple Pay in the country, Apple will also be selling the iPhone 7 with support for a technology called Felica — it’s very similar to Bluetooth, but the broader point is that the iPhone will now support Apple Pay in Japan.
The list of supported institutions are too great to mention, but you can check them out here.
On Oct. 4, 2016, Apple Pay expanded its services to Russia. Mastercard is supported, and you can add cards from Alfa-Bank, Bank “Otkritie”, Bank Saint-Petersburg, MDM Bank, MTS Bank, Otkritie, Raiffeisenbank, Rocketbank, Russian Standard Bank, Sberbank, Tinkoff Bank, Tochka, VTB 24, and Yandex.Money.
Apple launched support in France in July 2016. Apple Pay works with Visa and MasterCard, and you can add credit and debit cards from Carrefour Banque, Banque Populaire, Caisse d’Épargne, Edenred (Ticket Restaurant cards), Boon, and Orange Cash.
In July 2016, Switzerland got Apple Pay support. The service works with credit cards issued by Bonus Card, Cornercard, Swiss Bankers, and Swisscard.
In Hong Kong, Apple Pay is compatible with Mastercard, Visa, and American Express accounts. Supported banks within the country include the Bank of HeBei, ChengDu Rural Commercial Bank, China Minsheng Banking Corporation, Zheshang Bank, Chongqing Rural Commercial Bank, Fujian Rural Credit Union, HSBC, LangFang Bank, Shanghai Huarui Bank, Shanxi, Rural Credit Cooperatives Union, WeBank, Xiamen International Bank, YellowRiver, Yinzhou Bank, the Bank of China, Hang Seng Bank, HSBC, The Bank of East Asia, Standard Chartered, DBS Bank, HSBC, HKT Payment Limited, and “soon” Tap & Go. Apple Pay launched in the country in August 2016.
Apple Pay came to Canada late last year, but it only available to a handful of banks. A bigger expansion in early 2016 made the service more prevalent. American Express cards are supported, as well as ones from banks like ATB, Bank of Montreal, Canadian Tire, CIBC, Desjardins, President’s Choice, the Royal Bank of Canada, Scotiabank, Tangerine, and TD.
Although cracking the Chinese payments market is considered extremely tough, Apple Pay got a boost from the Industrial and Commercial Bank of China, which is the biggest lender in the country, Reuters reported. In total, Apple has 19 of China’s biggest banks on-board, and around 80 percent of Chinese credit and debit cards will work on the service from the get-go. The main disadvantage Apple faces in the country is the prevalence of other mobile payment services like Alibaba’s AliPay, WeChat, and UnionPay. You can see the full list of supported banks here.
We’ll keep you updated as more countries support Apple Pay.
Update: Added news of Discover’s cashback feature.
Published at Thu, 12 Oct 2017 16:35:52 +0000