iPhone For Dummies: Updated for iPhone 12 models and iOS 14
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With iPhone 6 and 6 Plus, Apple announced a new electronic payment service, Apple Pay. Called a mobile wallet, this service uses the Touch ID feature in your iPhone’s Home button to identify you and any credit cards you’ve stored at the iTunes Store to make payments via a feature called Wallet.

Your credit card information isn’t stored on your phone, and Apple doesn’t know a thing about your purchases. In addition, Apple considers Apple Pay safer because the store cashier doesn’t even have to know your name.

There are 220,000 merchant locations that are set up to use Apple Pay, which launched in late fall 2014. Originally supported by Amex, Visa, MasterCard, and six of the largest banks in the United States, with iPhone 6s and 6s Plus, you’ll find that even more credit cards (such as Discover) and store cards (such as Kohls or JCPenney) work with Apple Pay.

To set up Apple Pay, go to Settings and tap Wallet & Apple Pay. Add information about a credit card, and then double-tap the Home button when the lock screen is displayed to initiate a purchase. You can also make settings from within the Wallet app itself.

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Edward C. Baig is the personal and consumer technology columnist for USA Today, where he reviews the latest gadgets and reports on tech trends. Bob LeVitus, aka Dr. Mac, is among the world's leading authorities on the Macintosh and Mac OS X. He's been one of the Mac community's most trusted gurus for almost twenty years, and has written or cowritten more than 45 books. He is also a columnist for the Houston Chronicle and The Mac Observer.

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