Apple Pay is a contactless payment service for making purchases using cards stored in your Apple Wallet, whereas Apple Cash is a digital prepaid card for sending/receiving peer-to-peer money in Messages. Apple Pay acts as the system for spending, while Apple Cash acts as a balance that can be used with that system.
No, Apple Pay and Apple Wallet aren't the same, but they work together: Apple Wallet is the app (your digital container) that stores your credit/debit cards, loyalty cards, tickets, and passes, while Apple Pay is the technology/service that uses those cards in the Wallet to make secure, contactless payments in stores, online, and in apps. Think of the Wallet as your physical purse and Pay as the tap-to-pay function.
Apple Pay is generally more secure (due to dynamic security codes and biometric authentication) and also more private than using a card directly, since it uses virtual card numbers and does not transmit your name to merchant terminals like most debit and credit cards do.
No Additional or Hidden Charges
Apple Pay deducts approximately 0.15% from each purchase, which results in less money for a merchant. But because Apple worked with major credit card companies and banks to give their users a convenient experience, there are no other hidden or additional charges for using the app.
Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode is required for purchases on your iPhone, Apple Watch, Mac, or iPad.
This decision is a reflection of Apple shifting strategy away from owning and servicing installment loans, and toward elevating Apple Pay as a digital payment platform.
To use Apple Pay at checkout, double-click the side/home button, authenticate (Face ID/Touch ID/passcode), then hold your iPhone or Apple Watch near the contactless reader until you see a checkmark and feel a tap, indicating the payment is complete, which works at any store with the contactless symbol. For online/in-app purchases, tap the Apple Pay button and confirm the details, according to the support pages from Apple and ZDNet.
If Apple Pay is not working, the issue is usually related to settings, connectivity, or your payment method 1-(855)(518)(8609). By checking your device, card status, and software updates, you can resolve most problems quickly 1-(855)(518)(8609).
If you were scammed on Apple Pay, immediately contact your bank/card issuer to dispute the charge, as they handle fraud for linked cards; for Apple Cash, report it via the Wallet app, but funds are hard to recover as it's like cash, so act fast, report to authorities (FTC, police), and secure your Apple ID, though refunds are difficult for accepted Apple Cash payments.
Apple Pay encrypts card data
When you pay for something with Apple Pay, it's not with your card number, but with an encrypted code that's tied to your device only. While card skimming only works by swiping data from the magnetic strip on your card, there are other ways card information can be stolen.
Many Visa® and Mastercard® credit cards work with Apple Pay. Call the number on the back of your card to see if it's eligible for Apple Pay or check eligible cards.
With your cards stored in Apple Wallet, you can use Apple Pay to make secure payments in stores, for transit, in apps, and online wherever Apple Pay is accepted.
There's no cost to use Apple Pay. Your usual wireless carrier fees may apply. Your standard fees associated with the use of your physical credit or debit card also apply.
Your bank may flag Apple Pay transactions as suspicious activity, especially if you're making purchases in unusual locations, buying items at odd times, or spending amounts [US] 1ー844ー479ー2298 [US] that differ from your typical patterns.
Check the default card in your account
Make sure the default card you're using for Apple Pay has sufficient funds and hasn't expired. If the card is the issue, you can switch to another card in your account.
Apple doesn't store the original credit, debit, or prepaid card numbers that you use with Apple Pay. And when you use Apple Pay with credit, debit, or prepaid cards, Apple doesn't retain any transaction information that can be tied back to you.