How To Set Up Apple Pay On Your iPhone

Merseyrail are embracing new technology with the introduction of Apple Pay at its staffed stations.

Apple Pay, the contactless payment solution built into the electronics giant’s iPhone 6, has launched in the UK.

The Apple payment system allows users to use their iPhone 6, iPhone 6 Plus and the recently launched Apple watch to pay for goods and services.

HSBC was originally listed as one of Apple’s banking partners at launch, but has since said its account holders won’t be able to use Apple Pay until later in July, now confirmed as July 28.

Apple Pay: Where can you use it?

Also, if your device’s power goes caput and a TfL inspector comes around checking to see if you actually touched in, he won’t be able to confirm that you did and could issue you with a “no pay” fine on the spot.

The usage is indicated by analysis of thousands of social media mentions of Apple Pay and the different places accepting it, which found that London’s transport was by far the most popular place to use it, followed by the supermarket, then Pret and Waitrose.

Running out of juice is not the only problem that can arise; Transport for London lists other potential issues. You will also need to put in the security code of the card.

Many people have wrongly assumed that you can move across your Apple devices when tapping in and out (a lesson that will have resulted in hundreds of pounds of incorrect fares), while others simply don’t know the various perks and limitations of the system.

Contactless payment continues to grow rapidly in popularity, with more than £2bn spent via the system in 2014, according to the UK Cards Association.

But unlike with store purchases, using Apple Pay with TfL requires you to always use it a second time to touch out. With a line of people all paying with Apple Pay, a last-minute dash for the train could end in disappointment. Phone calls, for some reason, can interfere with the ability for TfL terminals to communicate with Apple Pay. If your iPhone dies mid-commute and you are unable to touch out at your destination, you will be liable to a maximum fare or penalty fare.

Apple Pay: What is it useful for?

Setting up your Passbook app for mobile purchasing with your Apple device is quick and easy. No problem. And don’t forget, if you live in London, you can now even use your iPhone to hop on the Tube or train and get to work.

So, do you think Apple Pay is the future?