Starting June 26, 2019, card processors, MasterCard and Visa have announced that the service Apple Pay became available for customers Banii Transilvania, ING Bank, UniCredit Bank, Edenred, Monese, Revolut and Orange Money. BCR, OTP and Raiffeisen Bank He is going to offer Apple Pay service in the near future. This step is part of the process of expanding the Apple Pay service, which included 13 countries in Europe, including Romania.
Therefore, if you are the client of one or more banks of the above, you can use the Apple Pay service. It is a very simple and secure way to pay for restaurants, shops, gas stations and other places where they are available terminale (POS) contactless. It is to be emphasized that POS terminals that can be used for Apple Pay are the same as those that consumers already use When I pay contactless using 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.
With Apple Pay it will be enough just to approach iPhone of Pos and Authorizations Transaction with Touch ID, Face ID or with IPhone's unlock password.
How sure is Apple Pay for Visa card holders
Apple Pay places great emphasis on security and confidentiality. When using the Apple Pay service, the debit or credit card data will not be stored on Apple or device servers. A unique account number for device (iPhone) will be used by Visa Token Service And every transaction made with Apple Pay will be authorized by a unique and dynamic code. Visa Tokenization technology that payments made with your mobile phone are very safe. Replacing account data with a digital identifier (token) used especially for each device, makes the account and card information never disclosed, thus providing an additional level of security to digital payments.
How sure is Apple Pay for MasterCard card holders
Mastercard have announced that in order to protect the data, I use the service Mastercard Digital Enablement (MDES) with the most advanced payment technologies - EMV, tokenizare and cryptography.
Respecting the standards imposed by Apple regarding the confidentiality and protecting personal data, using the credit or debit card through Apple Pay, does not involve storing confidential data on the device or on Apple servers. Instead, Mastercard allocates a unique secure code number, which is saved encrypted in the security settings of iPhone. Each transaction will be authorized with a unique and dynamic security code.
Both for mastracard and visa owners, all this process of encryption and security by unique and dynamic code during payments through Apple Pay, does not involve any action from the user.
How we pay at the store, restaurant or any other POS with Apple Pay
First of all, the POS terminal must be a contactless one. Currently, in Romania, 90% of the terminals are contactless, and by 2020 all terminals will offer this service.
You must have an iPhone, and your debit or credit card added to the "Wallet" application. You can of course add more cards.
When you have to make a payment to the SOP, instead of approaching the terminal card, you will open the "Wallet" application on the phone, select the card you want to use for payment, press the "Sleep / Power" button of iPhone, you authorize with Touch ID, Face ID or Device code, then close to POS.
Payment will be made in less than one second. In this way you get rid of the classic wallet for banknotes and cards.
