Countries like Sweden show us that a nearly cash-less world is not so much a fantasy as an upcoming reality and major tech companies are certainly doing everything they can to make it happen as soon as possible. Apple, for example, is trying to further solidify its digital payment services with the release of iOS 9 and its brand new Wallet app. In case you have not heard, Wallet has replaced Passbook as Apple’s premier payments app and it does have quite a few differences which warrant further examination.
Same old, with a twist
A lot of the features found in the new Wallet app are simple transitions from Passbook. Credit cards and payment information is still added in the same way and Wallet can pretty much do whatever Passbook was able to do before it was retired by the Cupertino company. The differences lie mostly in the support for additional features that Apple Pay was missing as a whole but the gist of it is virtually the same. I will try to explain the changes as much as possible but make sure to drop a comment down below or visit the forum if you have any further questions.
Adding cards to Wallet is exactly the same as it was in Passbook so if you have used it before, feel free to skip this section. Now, any card that you have already associated with your iTunes account can be easily added to the Wallet as you just have to add the card’s security code. To add a new card, tap on the “Add Credit or Debit Card” option, scan the card and fill in the security code if the app asks you to. Your bank may ask you to provide additional verification but they will provide instructions for that should the need arrive.
The new shortcut
There is no denying that digital payment methods are incredibly convenient but every piece of technology can be further refined, including Apple Pay. Previously, users had to go through quite a few steps in order to access cards stored in Passbook but now they can do that simply by double-pressing the Home button while their iPhones are locked. That shortcut pops up your default card in Wallet while giving you quick access to the rest of them too. If you do not want this feature you can change it in the Wallet & Apple Pay section of the Settings.
Credit cards are fine and all for most purchases but many of us have store-specific cards that we want to use in order to get rewards, discounts or simply to free up credit. Thankfully, Wallet allows you to add cards from specific retailers like Best Buy and Kohl’s the same way you would add a standard credit card. Furthermore, Wallet has a feature called “Automatic Selection” which can pick the correct store-specific card each time you make a purchase instead of selecting your default payment method all the time. Automatic Selection can be turned on and off individually for each card via the Wallet app. Just tap on the information (i) icon after selecting a card and you should see the option there.
Discover (your credit card)
It was a shame that Apple did not support one of the biggest credit cards in the U.S. when Pay was originally unveiled but the company has managed to fix all that with its most recent devices. Discover credit cards can now be added to your Wallet and will also make you eligible for a 10% Cashback Bonus on up to $10,000 of retail purchases. Discover cards can be added on iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus and the Apple Watch. The process requires you to verify the card by text, email or phone call so make sure you are ready for that.
Pay everywhere, get rewarded
Despite the title of this paragraph, I am not about to go on a rant about capitalism and its virtues. I simply want to point out the fact that Apple has doubled down on two major things: introducing as many rewards systems as possible and getting every single store out there to participate in its payments program. As far as rewards go, Apple has partnered up with several companies such as Dunkin’ Donuts and their DD Perks scheme so that its users can get rid of the physical rewards cards as soon as possible.
In addition to that, Apple has made it a lot easier for smaller retailers to participate in Pay with Square’s new reader so you can bet that a lot more shops will be offering support soon. The initial stage of doubt is long gone and retailers are far more accepting to digital payments now than they were a year go so do not be surprised if you can soon use Apple Pay to pay for every single thing on a day out. Finally, more and more developers are adding Apple Pay support for in-app purchases for both digital and physical goods.