Apple Pay and Android Pay are mobile payment and digital wallet services available on modern smartphones and smartwatches from Apple® and Google™. Like other NFC-enabled payment devices, customer card numbers are never transmitted to payment terminals; a dynamic tokenized number is generated and sent instead. Customers with Apple Pay or Android Pay on their devices are presented with a digital wallet when at the checkout, and is finalized with a fingerprint (when available) or passcode.
Articles in this section
- What is Apple Pay?
- What is the Personal Guarantee?
- How are EMV transactions different?
- Why do merchants have to worry about counterfeit, lost or stolen card fraud?
- What happens if merchants don’t upgrade their POS system to EMV?
- Who is enforcing EMV?
- Am I required to support EMV?
- What does the liability shift mean?
- What is the timing for EMV in the United States?
- What determines whether an EMV card is Chip and PIN or Chip and Signature?