Apple Pay has arrived in New Zealand! If you are accepting Tap and Go payments on your EFTPOS terminal, then you can now also accept Apple Pay payments. You may start to see people place their phone over your EFTPOS terminal to pay for their goods. Let your customer know that you are on board.
Please note if you do not currently accept Tap and Go/PayWave transactions on your terminals, you will not be able to accept Apple Pay transactions. Contact your merchant bank if you want to get on board.
About Apple Pay
Apple Pay is simple to use and works with the devices you use every day. Pay with just a touch in stores, within selected apps and on participating websites. And because your card details are never shared when you use Apple Pay, making purchases with your iPhone, Apple Watch, iPad and Mac is the safer, more private way to pay.
Apple Pay lets you load your credit card onto your iPhone and then pay via any EFTPOS terminal that accepts Tap and Go payments. You can use Apple Pay at terminals for purchases less than $80 without entering a PIN but anything more than this requires you to enter one.
To learn how Apple Pay works watch the video below
What banks support it?
ANZ is the only bank in New Zealand that accepts it. It works with the bank's Visa and debit cards.
What devices does it work with?
To use Apple Pay in shop you need one of the latest models: iPhone 6, 6 Plus, 6s, 6s Plus, 7, 7 Plus, iPhone SE or Apple Watch.
However, you can also use it on iPad Pro, iPad Air 2, iPad mini 4, or iPad mini 3 to pay for purchases online via apps.
How do I set up Apple Pay?
It's all done via the wallet app on your iPhone. You can add a card by scanning it followed by entering a security code (CVV number). The card then needs to be verified by your bank. It sends you a message with a code to enter to finish the process.
If you already have your credit card loaded to iTunes you can add it to Wallet without having to scan it. You can have more than one card loaded and if you have an Apple Watch you can assign one to it and one to your iPhone.
How secure is it?
There are a few ways that Apple has kept it secure. Firstly you need a fingerprint to authorise a transaction.
Secondly, when you load your card into Apple Pay it swaps out your credit card number for a random number so the retailer, Apple or anyone else can't get your details. You can't see any names or usable numbers on your cards in the app.
No credit card numbers are stored on any device so even if your phone is hacked your details can't be stolen. This makes it more secure than your actual credit card, which, if stolen, can be used until it's cancelled. No-one can use Apple Pay without your fingerprint.
And if you do lose your iPhone, you can use the Find iPhone app to turn off access to the Wallet app.
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