Starting with 26 Jun 2019, card processors, Mastercard si Visa have announced the service Apple Pay has become available to customers Transylvania Bank, ING Bank, UniCredit Bank, Edenred, Mone, Revolut si Orange Money. BCR, OTP si Raiffeisen Bank will provide the service Apple Pay in the near future. This step is part of the service expansion process Apple Pay, which included in this wave 13 countries in Europe, including Romania.
So, if you are a customer of one or more of the banks mentioned above, you can use the service with confidence. Apple Pay. It is a very simple and safe way of paying at restaurants, shops, gas stations and other places where they are available contactless terminals (POS). It is worth noting that POS terminals that can be used for Apple Pay are the same as those consumers already use when I pay contactless using my debit card or credit card.
Currently, in Romania, three out of four payments at POS terminals are made using contactless. Approaching the contactless card to the POS terminal.
Cu Apple Pay it will be enough just to bring the iPhone closer to the POS and to authorizing the transaction cu Touch ID, Face ID or iPhone unlock password.
How safe it is Apple Pay for Visa cardholders
Apple Pay places great emphasis on security and confidentiality. When we use the service Apple Pay, your debit or credit card details will not be stored on the servers Apple or on the device. A unique account number for the device (iPhone) provided by Visa Token Service and each transaction made with Apple Pay will be authorized by a unique and dynamic code. Visa tokenization technology that mobile payments are very secure. Replacing account data with a digital identifier (token) used specifically for each device, makes account and card information never disclosed, thus providing an additional level of security to digital payments.
How safe it is Apple Pay for Mastercard cardholders
Mastercard have announced that in order to protect the data, I use the service Mastercard Digital Enablement (MDES) with the most advanced payment technologies - EMC, tokenization si cryptography.
Respecting the standards imposed by Apple regarding the confidentiality and protection of personal data, the use of the Mastercard credit or debit card through Apple Pay, does not involve storing confidential data on the device or servers Apple. Instead, Mastercard assigns a unique secure code number, which is saved encrypted in the iPhone's security settings. Each transaction will be authorized with a unique and dynamic security code.
For both Mastracard and Visa owners, this whole process of encryption and security through unique and dynamic code during payments through Apple Pay, does not imply any action on the part of the user.
How do we pay at the store, restaurant or any other POS with Apple Pay
First, the POS terminal must be contactless. At present, in Romania, 90% of the terminals are contactless, and up to 2020 all terminals will provide this service.
You must have an iPhone, and your debit or credit card added to the application "Wallet". You can of course add more cards.
When you need to make a payment at the POS, instead of bringing the card closer to the terminal, you will open the application "Wallet” on the phone, select the card you want to use for payment, press twice on the button “sleep / power” of the iPhone, authorize yourself with Touch ID, Face ID or device code, then approach the POS.
Payment will be made in less than one second. This way you get rid of the classic wallet and card wallet.
