Can I add a credit card to Apple Pay? Tutorial on adding bank cards/credit cards and payment to Apple Pay
The latest news on February 18th, at 5 a.m. today Apple officially launched Apple Pay in China, including Bank of China, Construction Credit cards and debit cards from 19 banks, including Bank of China and Bank of Communications, can be bound and used. Unlike WeChat and Alipay's scan-code payment, Apple Pay is more like a "card" "Package", users only need to add their credit card or bank card to Apple Pay, and use Apple
Pay fingerprint recognition to use a virtual bank card on a POS terminal device with Quick Pass function when paying. Yes, the editor of Southern Fortune Network will bring you a detailed tutorial on adding bank cards and payment with Apple
Pay, as well as answers to frequently asked questions.
Apple Pay device support requirements Because Apple Pay needs to support the NFC function, it currently supports iPhone 6, iPhone 6 Plus, iPhone
6s, iPhone 6s Plus, Apple Watch, iPad Pro, For existing Apple devices such as iPad Air 2, iPad mini 4, and iPad mini
3, the system must be updated to iOS 9.2 or above on the original basis, and the Apple Watch needs to be version 2.1 or above. Can be used.
The banks that support Apple Pay in China are based on Apple’s official announcement that 15 banks with “China UnionPay” including Bank of China, China Construction Bank, Agricultural Bank of China, etc. support Apple
Pay mobile payment, in addition to Apple's official website, 4 new Chinese banks have recently been added, namely Bank of Beijing, Bank of Communications, Hua Xia Bank, and Bank of Ningbo, which means that as of February 18, domestic* **19 banks support Apple
Pay mobile payment. However, after Apple Pay was launched today, it was found that only 12 banks have confirmed that they support Apple
Pay service. This year, 7 banks will support Apple Pay.
What payment scenarios does Apple Pay support in China? According to the official Apple Pay page, Apple Pay has officially landed in China. Users can take the lead in App
Store, Vipshop, and Dangdang. You can use payment on APPs such as .com, Dianping, and Yidao Auto. In addition to being used on the iPhone, you can also use it on supported iPad devices. Wallet
can be synchronized in the cloud through iCloud. In other words, as long as you set up a credit card on your iPhone, your iPad will automatically synchronize your iPhone's bank card information.
Offline, Apple’s official description of the Apple Pay trial scenario is: users can use Apple in supermarkets, boutiques, restaurants, coffee shops and many places where they often consume
Pay to pay.
Apple Pay is now available in the welfare column of each bank. China Construction Bank and China Construction Bank also support withdrawals through the Apple
Pay function. To do this, just select "Contactless IC" on the ATM of China Construction Bank. Card Business", then place the mobile phone on the card reader and conduct withdrawal operations through fingerprint verification.
After Shanghai Pudong Development Bank introduces the Apple Pay payment model, cardholders will no longer need to carry wallets or bank cards. They only need to bring your iPhone that has been bound to Shanghai Pudong Development Bank and use Touch
ID fingerprint recognition (equivalent to payment password) can be used for direct payment. Currently, there are 7 million POS terminal devices supporting UnionPay "Cloud Quick Pass" across the country. According to the editor of Apple Park, currently Pudong Development The bank will carry out the welfare to the end, and for this reason the bank is actively launching a high-intensity "mystery prize" activity.
It is reported that users who have a Shanghai Pudong Development Bank credit card can win generous prizes as long as they successfully add a Shanghai Pudong Development Bank UnionPay credit card through the Wallet
APP and complete the payment before June 20. What is worth looking forward to is that Shanghai Pudong Development Bank also provides credit card holders with an opportunity to "mysteriously visit Apple headquarters in the United States." During this period, the bank will draw 15 users with Shanghai Pudong Development Bank credit cards and receive a 12-day trip to the United States. opportunity, it can be seen that the cooperation between the bank and Apple is "flawless" and the promotion will be carried out to the end. (》》》Click to view the details of the benefits》《《) In addition to the above two major banks, other banks will also update their benefits one after another. Friends can also always pay attention to Apple Park to learn about the latest developments of Apple
Pay.
Tutorial on binding bank card/credit card with Apple Pay: Apple
To bind credit card/bank card with Pay, first choose to open the “Wallet” app on your iPhone and click “Add Credit Card or Debit” Card", and then you will enter the introduction interface of Apple
Pay to add a card, select "Next step".
Then you will be challenged to the "Add Card" interface. If you have a bank card in hand, you can directly point it in the "Viewfinder" to automatically identify and add it, or you can click "Manually enter card details" below. Manually add a bank card or debit card number, and click Next after adding it. What needs to be noted here is that if it is a credit card, you will jump to the next interface and you will need to fill in the validity period and security code (the last three digits on the back of the card). If it is The bank card will directly enter the SMS verification interface.
This is because the editor has failed to add once before. I believe many people are similar to the editor. The main reason is that there are too many users and the system is stuck. At this time, you can choose to try again. Re-verify once or select "Add card later" to re-add a bank card or debit card. (See the picture below)
After finally filling in the validity period and security code (SMS verification), you will jump to the "Terms and Conditions" interface, click "Agree" to enter the final verification stage, if it goes smoothly, then Even if you add it successfully, you can finally spend it as much as you want.
Add success status
Add a credit card/bank card on iPad. The method to add a card on iPad is to open "Settings" and click "Wallet and Apple
Pay ”, then tap “Add credit or debit card” and enter the card information. (The operation is the same as that of the iPhone) Adding a credit card/bank card to Apple Watch To add a card on Apple Watch, you mainly need to open the Watch app on the iPhone, click "My Watch", and then click " Wallet and Apple Pay", and finally click
"Add a credit or debit card".
(The operation is the same as that of iPhone)
How to use Apple Pay and preparations before use. Preparations to use Apple Pay. To use Apple Pay to make purchases in stores, you need the following preparations: One device
iPhone 6 or iPhone after iPhone 6, currently it is iPhone 6, iPhone 6 Plus, iPhone 6s,
iPhone 6s Plus Upgrade to iOS 9.2.1 and set up unlocking Password and fingerprint are bound to the bank card in the Wallet app that comes with iOS. Currently, Apple
Pay supports debit and credit cards from 19 banks across the country, including Bank of China, China Construction Bank, ICBC, China Merchants Bank, and China Guangdong Development Bank. Use Apple Watch to pay. Your Apple Watch
needs to be bound to the above-mentioned iPhone and upgraded to watchOS
2.1. It is currently available at McDonald’s, Starbucks, Carrefour, Watsons and FamilyMart in many cities in China. Merchants such as Convenience Stores such as Guangdong and Xishiduo have already enabled UnionPay QuickPass. These merchants will theoretically support Apple
Pay.
The iPhone/iPad device use case description is based on a test experiment conducted by a reporter from a certain website at McDonald's. First, this friend made a purchase at McDonald's. When he finished ordering and was about to pay, if he talked to the cashier When the girl said that I wanted to use mobile payment, they would probably think that you were paying with Alipay or WeChat (Alibaba and Tencent said: "It's my fault!"), so just tell the staff at the cashier that you want to pay with a bank card. That's it.
But after the price of your order appears on the POS machine, you stick your golden iPhone to enter the fingerprint verification. Under normal circumstances, this is considered to complete the entire payment process. At this time, this person The reporter found that the POS also requires a password for payment (the reporter used a Guangfa Bank card). The reporter believed that this should be because China Guangfa Bank has not yet opened the small payment and visa-free function. Other colleagues who use China Merchants Bank credit cards to spend at McDonald's do not need to enter a password. , and in one step, it can be closed instantly. So what needs to be said here is that if you want to experience the smooth and instant payment experience: First, make sure your bank card is set with a small password-free limit. Then, put your finger on the home button before moving it. Go to the POS terminal
Instructions for using Apple Watch. If you want to use Apple Pay through Apple Watch, you also need to verify your bank card in the Apple Watch
app on your phone. To use Apple Watch to pay, press the side button twice, and then bring the watch screen close to the POS machine.
Answers to frequently asked questions about Apple Pay
Q: What should I do if I don’t see the Apple Pay service on my iPhone?
Try to change the language and region of the device to "United States", or restart the device, and then enter the Wallet app to add a bank card, because there is no separate Wallet app for iPad
Users need to add bank cards in the "Wallet and Apple
Pay" option in settings. What needs to be noted here is that users have previously reported that if the added bank card region is changed from "United States" back to " The bank card bound to "China" will disappear, but according to the Apple Park editor's personal test, it was found that the bug has been fixed as early as after 12 o'clock today.
Q: Can the Hong Kong version of iPhone 6s be used?
Yes, the device we use is the Hong Kong version of iPhone 6s. The latest situation of the US version of iPhone 6 is that you can add bank cards.
Q: Can a bank card that does not support Quick Pass be bound to Apple Pay?
Yes, this has nothing to do with whether the bank card itself supports Quick Pass.
Q: Where can I set the password-free quota for small amounts?
If you need to find the website or mobile application of the bank where the bank card is located, for example, if you have a credit card from China Merchants Bank, you can set it directly in the mobile application without a password.
Q: I haven’t seen the entrance to Apple Pay in Wallet, what should I do?
There is a recipe: click on General in the settings and find Language and Region, then set the region to the United States, then open your Wallet app and you will see the Apple Pay entrance
Q: Which banks does Apple Pay support?
Apple Pay supports debit cards and credit cards from the following 19 banks:
Agricultural Bank of China, Bank of Beijing, Bank of China, Bank of Communications, Bank of Guangzhou, Bank of Ningbo, Bank of Shanghai, CITIC Bank, China Construction Bank, China Everbright Bank, China Guangfa Bank, China Merchants Bank, China Minsheng Bank, Hua Xia Bank, Industrial and Commercial Bank of China, Industrial Bank, Ping An Bank, China Postal Savings Bank, Shanghai Pudong Development Bank.
Q: Are there any discounts for using Apple Pay?
Many banks have already launched payment promotions for Apple
For example, China CITIC Bank has launched a 2,000-point bonus for tying a card, free supermarket purchases, and coffee upgrades. Cup, China Merchants Bank has also launched discounts such as bonus points for tying cards. For details, you can pay attention to official channels such as the official websites and public accounts of each bank.
Q: If my phone is lost, how do I cancel Apple Pay?
You can enter the iCloud official website and quickly set the phone to lost mode in Find My iPhone to disable Apple
Pay, or you can choose the Erase iPhone function to erase all data.
Q: I am a merchant, how do I support Apple Pay in my store?
To accept Apple Pay in stores, you need a point-of-sale terminal that supports contactless payments (UnionPay QuickPass). For details, please visit the Apple Pay merchant page for detailed information.
Q: Why does linking Apple Pay cards keep failing?
First of all, make sure that the issuing bank of the card you are using already supports Apple Pay. Secondly, a big reason may be that too many people are currently using this function, causing network congestion. It is recommended to try again after a while.