STOP using credit card and debit card contactless payment NOW and START using Apple Pay instead!
Have you ever visited a gas station, convenience store, or bar, only to discover that after using your card there, unauthorised transactions began appearing on your account? It leads you to suspect that your card might have been cloned! Let me explain why using Apple Pay can stop that and why everyone should be using it.
Apple Pay is a convenient and secure way to pay with your iPhone, iPad, Apple Watch or MacBook. It allows you to link your credit or debit cards to your Apple ID and use them for contactless payments in stores, online shopping and in-app purchases. But how does it compare to other contactless payment methods that use RFID or NFC technology?
RFID (radio-frequency identification) and NFC (near-field communication) are both wireless technologies that enable devices to communicate with each other over short distances. They are used for contactless payments by embedding a chip in a card, smartphone, smartwatch or other device that can transmit payment information to a reader.
However, there are some key differences between Apple Pay and contactless payments that use RFID or NFC. Here are some of the advantages of using Apple Pay over other contactless methods:
- Privacy: Apple Pay does not share your actual card number or personal information with the merchant or the payment network. Instead, it generates a unique device account number and a transaction-specific dynamic security code for each payment. This means that your card details are never stored on your device or on Apple servers, and they are never exposed to hackers or fraudsters.
- Security: Apple Pay uses biometric authentication, such as Face ID or Touch ID, to verify your identity before each payment. This adds an extra layer of security that prevents unauthorized use of your device or card. In contrast, contactless cards do not require any verification and can be used by anyone who has access to them. Contactless cards also have a limit of £100 per transaction in the UK, while Apple Pay has no limit as long as the merchant accepts it.
- Convenience: Apple Pay lets you pay with multiple cards without having to carry them around or switch between them. You can also use Apple Pay for online shopping and in-app purchases without having to enter your card details or create an account. Additionally, Apple Pay works with loyalty cards, coupons, tickets and other items that you can store in your Wallet app.
- Innovation: Apple Pay is constantly evolving and introducing new features that enhance the user experience and offer more benefits. For example, in 2022, Apple unveiled Tap to Pay on iPhone, which allows millions of merchants across the US to accept Apple Pay and other digital wallets by simply tapping their iPhone to another iPhone — no additional hardware or payment terminal needed.
As you can see, Apple Pay offers many advantages over contactless payments that use RFID or NFC technology. It is more private, secure, convenient and innovative than other contactless methods. If you have an Apple device, you should consider using Apple Pay for your payments and enjoy the benefits it provides.
I’ve mentioned Apple Pay, but if you’re an Android user, you can use Google Pay for the same level of protection.
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