Tap to Pay on iPhone will work with contactless credit and debit cards from numerous payment networks, including American Express, Discover, Mastercard and Visa. Apple plans to work closely with payment platforms and app developers to offer Tap to Pay on iPhone to more merchants in the U.S. Tap to Pay on iPhone will also roll out to Apple Store locations in the U.S. retailers and that this new capability will allow customers to check out more seamlessly. The company notes that Apple Pay is already accepted by more than 90% of U.S. Apple also says that with Tap to Pay on iPhone, customers’ payment data is protected and that all transactions that are made through the feature are encrypted.
No additional hardware is required to accept contactless payments. At checkout, the merchant will ask the customer to hold their iPhone or Apple Watch near the merchant’s iPhone and the payment will then be securely completed using NFC technology. Once Tap to Pay on iPhone launches, merchants will be able to unlock contactless payment acceptance through a supporting iOS app. Apple says additional payment platforms and apps will follow later this year. Stripe will be the first payment platform to offer Tap to Pay on iPhone to customers through a new Shopify app. Tap to Pay on iPhone will be available for payment platforms and app developers to integrate into their iOS apps as a payment option for their customers. The feature will be enabled for the iPhone XS and later models. merchants will be able to accept Apple Pay and other contactless payments, including Google Pay, by using an iPhone and a partner-enabled iOS app. The company says that later this year, U.S. Apple has announced plans to introduce a new Tap to Pay feature for iPhone that turns the device into a contactless payment terminal.
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