iPhone 6 apple pay easy way

Apple’s press release announcing Apple Pay said the mobile payments service would later come to Barclaycard, Navy Federal Credit Union, PNC Bank, USAA and U.S. Bank. Monday, U.S. Bank confirmed in a media release that customers can now start using Apple Pay, followed by a similar press release from Navy Federal and multiple reports from readers confirming Apple Pay working for PNC, Barclaycard and M&T customers.

The iPhone maker’s support document outlining supported Apple Pay cards and banks had not been updated at post time with new information.

“Apple Pay is now enabled for USAA debit MasterCards,” one customer wrote on Reddit. “Setup works perfectly”.

A MacRumors poster confirmed that Barclaycard is also working today.

Indeed, iDownloadBlog and other publications have received tips from readers acknowledging that their cards from other banks such as PNC, Navy Federal and M&T are now working in Apple Pay.

And not to be outdone by U.S. Bank, Navy Federal Credit Union said that its customers can start using Apple Pay beginning today.

In addition to these service expansions, Apple Pay already works with American Express, Bank of America, Capital One, Chase, Citi, J.P Morgan, Merrill Lynch, U.S. Trust and Wells Fargo, as per Apple’s support document.

Apple’s media release announcing the mobile payments service stated Apple Pay availability with additional banks would soon expand with Barclaycard, Navy Federal Credit Union, PNC Bank, USAA and U.S. Bank. The service debuted with support from about 500 banks in the United States, among them some of the nation’s largest financial institutions like Chase, Citi, Capital One and Bank of America.

Apple Pay (supported cards)

Apple Pay uses tokens that connect non-identifiable payment session to a user’s credit or debit card. Only a unique device ID and a one-time unique dynamic security code are sent via NFC to the payment terminal, allowing merchants to track customer purchases without having access to their credit card numbers.

In fact, the actual card numbers are not stored on the device or on Apple servers at all and the security code from the back of the card is never used.

A unique Device Account Number is encrypted and stored in the Secure Element on the device, where it is walled off from the rest of the system. And should your device get lost or stolen, you can easily make Apple Pay inaccessible or erased remotely using Find My iPhone.

Apple Pay allows customers to make in-store payments from their iPhone 6, iPhone 6 Plus and the upcoming Apple Watch. When paying for goods and services within apps, Apple Pay is compatible with the iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3.

Apple Watch passbook apple pay

And when the Apple Watch arrives this Spring, owners of the iPhone 5, iPhone 5c and iPhone 5s will be able to use Apple Pay for payments in apps.

[U.S. Bank, Navy Federal]

  • John

    And BofA recommends not using Apple Pay because they are implementing the new chip technology here in the US (finally). The chip on all the new debit cards will avoid fraud and all that. But not Apple Pay. Not sure how it works, but I got a call from an agent Friday afternoon stating that.

    • BofA can f%$k off..

      • John

        Why? It’s security. NFC terminals can be hacked but not a debit/credit card with a micro chip. Well, it’s possible to hack those cards but it’s harder.
        You can buy an of the shelf radio receiver in Radio Shack and stand 1-2 feet away from the person paying with Apple pay and you get all the info you want.

      • Not for this for everything else.. I always have to call them for nonsense fees etc.

      • What you’re saying couldn’t be farther from truth. While NFC terminals can be hacked to eavesdrop on data being sent, Apple Pay does not transmit any credit card numbers, or a security code, not even transaction data or identifiable information. All it sends is a one-time unique dynamic security code and device ID. Even if someone gets hold of that, the data is useless to them and cannot be used to break into your bank account or transfer funds

      • There is no info with Apple Pay though. It’s a token based system so any data gathered is basically useless…

    • The new chip technology they’re mentioning is based on exactly the same technology that Apple Pay uses. Apple Pay does not use any proprietary technology, it’s a thing banks developed to prevent fraud and Apple just adopted it. Apple Pay transactions cannot be compromised due to its underlying workings. More here http://www.tuaw.com/2014/10/02/apple-pay-an-in-depth-look-at-whats-behind-the-secure-payment/

  • CASEACE79

    Nice!!! Been waiting for M&T!!!! Now where’s the closest Walgreens?

  • NeftyCorrea

    SANTANDAR NEEDS TO GET WITH APPLE PAY ASAP

  • Zachary Sloane

    Now we just need retailers to adopt this. Only place I’ve been able to use it is Whole Foods. And I don’t normally shop there, because well, it’s Whole Foods.

  • Robbie Q

    Barclay is Active, i just set mine up

  • Brandon D

    Just set up my Barclays card. It’s working.

  • Chad

    US Bank is also working. The odd thing is, I added my Visa check card no problem. Then my wife and I have a joint checking account, when I tried adding that card, it made me call US Bank to verify the card to add it. It was a 10 minute phone call, so no big deal. He said everyone was calling in to verify their card. Kind of silly, they could have done a text verification like a couple of my other credit cards. It’s just odd, both our names are on both accounts. Not sure why the 1 card verified right away and I had to call for the second one.

  • “In fact, the actual card numbers are not stored on the device or on Apple servers at all and the security code from the back of the card is never used.

    A unique Device Account Number is encrypted and stored in the Secure Element on the device, where it is walled off from the rest of the system.”

    Makes perfect sense. That’s why Apple needs the participation of the bank in order to have Apple Pay work…