How to Pay for Things with Your iPhone X - dummies

How to Pay for Things with Your iPhone X

By Edward C. Baig, Bob LeVitus

Most iPhone users never leave the house without three things: your keys, your cellphone, and your wallet. That’s a habit unlikely to change anytime soon. Nor are you expected to ditch the plastic credit cards in your physical wallet for digital versions. That said, the tech and financial worlds are combining efforts to turn modern smartphones such as the iPhone into a version of a digital wallet.

Via Apple Pay, which launched in October 2014, Apple finds itself smack in the middle of the mobile payments space, with what potentially is a big deal, especially in the long term.

Thanks to iOS 11, you can now use Apple Pay to pay friends via an iMessage.

And with 3D Touch, you can press against the Wallet app and summon yet another Quick Actions menu, allowing you, for example, to view your last transaction.

If you have the Apple Watch, check out the Watch app on the iPhone. It’s the place to pair your iPhone with your Apple Watch and choose settings and apps for the watch. An Activity app tied to the Apple Watch also appears on the phone.

But, now onto paying with your iPhone X. With any of the credit or debit cards stored in the Wallet app on your phone, you can exploit Face ID on the phone to make a payment at a participating merchant — more than 20 million retail locations globally have contactless payments terminals with the NFC (near field communication) capability required to complete such transactions in physical stores and are otherwise compatible with Apple Pay. Apple Pay works also with online transactions.

You can use Apple Pay on your iPhone to pay for stuff you buy online via the Safari website. At a retail store, you can use a credit card stored in Wallet to make a payment by glancing at the screen with your recognized face (we hope) when you’re close to the checkout terminal. The X can recognize your face even in the dark or when you’re wearing a hat or (most) sunglasses.

In any event, the requirement to use your face to transact is a darn good security measure, even more so than using a fingerprint to authenticate your credential through the Touch ID methods employed on other iPhones.

Meanwhile, Apple is kept in the dark about the details of the transaction: The company doesn’t know how much you spent or what you bought. Instead, payment information is stored on a chip on the phone called the Secure Element.

Even before Apple Pay (and the X), some people used the iPhone to scan boarding passes at the airport or to pay for coffee in a Starbucks through a third-party app. Wallet provides a single repository for all these items, along with movie tickets, coupons, and gift cards. No more fumbling through printouts, apps, or emails to find the right ticket, coupon, or pass.

These days, Wallet is time and location based. In other words, the boarding pass appears when you get to the airport, even (with your permission) on the iPhone Lock screen.

You can find Wallet-capable apps in the App Store. You may also see an Add to Wallet link on a merchant’s website — just make sure you’re signed in to your iCloud account to add passes to the Wallet app. And you can scan Wallet bar codes with the iPhone camera.

To use a given pass, tap it in the Wallet app and then point it at the barcode reader or scanner at the terminal, neighborhood multiplex, stadium, hotel, department store, or whatever other place you frequent.

To show a pass on the Lock screen, tap the i-in-a-circle at the bottom right of the pass and make sure that the Show on Lock Screen switch is on.

You can share passes using Mail, Messages, or AirDrop. And speaking of which …