Apple Pay FAQ

500px-Apple_Pay_logo.svgApple Pay offers an easy, secure, and private way to pay using Touch ID on iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3.

What do I need to use Apple Pay?

Apple Pay will be available in the United States with iOS 8.1.

Here’s what you need to use Apple Pay:

How do I set up Apple Pay?

You can start using Apple Pay as soon as you add your first credit or debit card to Passbook.

To add a credit or debit card on iPhone 6 or iPhone 6 Plus, open Passbook. If you don’t have any cards or passes, tap Set Up Apple Pay. If you do have cards or passes, pull down your pass stack and tap  plus icon in the upper right corner.

Passbook card stack

If you have a credit or debit card from a participating bank on file with iTunes, you’ll be prompted to add it to Passbook. You can also choose to add a different card using the iSight camera or by entering your card information manually. Then your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.

To add a credit or debit card on iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay, tap Add Credit or Debit Card, and then follow the same steps for iPhone above.

What should I do if I have an issue adding a credit or debit card to Apple Pay?

Your card issuing bank is ready to help you with issues when adding credit or debit cards to your iPhone 6, iPhone 6 Plus, iPad Air 2, or iPad mini 3. You can contact your bank or AppleCare, who will help you resolve your issue.

Where and how can I use Apple Pay to pay in a store or within apps?

You can use Apple Pay with your iPhone 6 and iPhone 6 Plus to pay in stores that accept contactless payments. Look for one of these symbols at checkout:

Contactless payment symbol   Apple Pay symbol

Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments including Apple Pay. At the current time, this includes 7-Eleven, Home Depot, and Jack in the Box.

On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the “Buy with Apple Pay” or “Apple Pay” button as a payment method. Look for these buttons in apps:

Buy with Apple Pay button   Apple Pay button

When I’m paying in a store using my debit card in Apple Pay, should I choose Credit or Debit on the terminal?

When presented with this choice, we recommend you to choose “Credit” to get the most consistent Apple Pay experience. Choosing “Debit” may not always work successfully with some older merchant payment terminals and backend systems.

Will I have to sign a receipt when paying with Apple Pay?

As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.

Will I continue to earn rewards and benefits from my credit or debit cards when I pay using Apple Pay?

Yes. When you pay using Apple Pay, you’ll continue to get the rewards, benefits, and security that your credit or debit card provides.

Does Passbook show my recent transactions?

When you view your card in Passbook, you’ll see the last transaction for each credit card or debit card.

Passbook showing the last transaction

You can also see the last 10 transactions for your credit cards, but not your debit cards. Just tap the credit card and tap the Info icon in the bottom left corner.

Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit card account, including all Apple Pay devices and your actual credit card.

Why is my transaction amount sometimes reported differently in Passbook?

Some banks provide only initial authorization amounts to Passbook, which might be different from the final transaction amount. Depending on your bank, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your bank for final transaction details.

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional credit or debit card payment. To see the last four digits of the Device Account Number, go to Passbook, tap the card, and tap the Info icon in the bottom right corner.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment. Hold your iPhone 6 or iPhone 6 Plus near the reader, select the card you used to make the original payment, and authorize the return with Touch ID or passcode. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement.

How secure is Apple Pay?

Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

How does Apple Pay keep my information private?

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping address you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you are buying. Apps that use Apple Pay must have a privacy policy that you can view which governs the use of your data.

What should I do if my iPhone or iPad is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. These features help prevent other people from using Apple Pay on your iPhone or iPad.

If your iPhone or iPad is lost or stolen, you can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank to suspend or remove your cards from Apple Pay.

Can I continue to use my plastic credit or debit cards if I suspend or remove my cards in Passbook?

When you suspend or remove your cards in Passbook, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic credit or debit card.

I’m a merchant. How can I accept Apple Pay in my store?

To accept Apple Pay in your store, contact your payment provider.

I’m an app developer. How can I accept Apple Pay within my apps?

To accept Apple Pay in your app, go to Apple Pay for developers to learn how to get started.

Have you had a bad experience with Apple Pay? Apple wants to know.

 

iCloud FAQ

What is iCloud Keychain?

iCloud Keychain keeps your Safari website usernames and passwords, credit card information, and Wi-Fi network information up to date across all of your approved devices that are using iOS 7.0.3 or later or OS X Mavericks v10.9 or later.

iCloud Keychain can also keep the accounts you use in Mail, Contacts, Calendar, and Messages up to date across all of your Macs. If you’re signed in to Facebook, Twitter, Linked In, or any other accounts in Internet Accounts on OS X Mavericks, iCloud can push those accounts to your Macs as well.

Learn about iCloud Keychain availability by country.

 

How does iCloud Keychain protect my information?

iCloud Keychain keeps the passwords and credit card information that you save up to date only on the devices that you approve. When you enable iCloud Keychain on an additional device, your other devices that use iCloud Keychain receive a notification requesting approval for the additional device. After you approve the additional device, your iCloud Keychain automatically begins updating on that device.

iCloud Keychain is protected with industry-standard encryption techniques on all of your devices, both in transit and in the cloud.

 

How do I set up iCloud Keychain?

After upgrading to iOS 7.0.3 or later, you’ll be asked by the iOS setup assistant to set up iCloud Keychain. If you skipped this step and want to set up iCloud Keychain now, follow these steps:

Devices using iOS 7.0.3 or later:

  1. Go to Settings > iCloud and turn Keychain on.
  2. Follow the onscreen instructions to complete setup.

Macs using OS X Mavericks v10.9 or later:

  1. Choose Apple () menu > System Preferences, then click iCloud.
  2. Select Keychain.
  3. Optionally set a password to unlock your screen after sleep or after the screen saver begins.
  4. Enter your Apple ID and password.
  5. Follow the onscreen instructions to complete setup.

 

What is the iCloud Security Code?

When you set up iCloud Keychain, you’re asked to create an iCloud Security Code. It can be a 4-digit code similar to the passcode lock for your device, or you can have a more complex code automatically generated for you. The iCloud Security Code is used to authorize additional devices to use your iCloud Keychain. It’s also used to verify your identify so that you can perform other iCloud Keychain actions, such as recovering your iCloud Keychain if you lose all your devices.

 

How can I set up additional devices to use iCloud Keychain?

Follow the iCloud Keychain setup steps above for each device that you want to add. When you enable iCloud Keychain on an additional device, your other devices that use iCloud Keychain receive a notification requesting approval for the additional device. After you approve the additional device, your iCloud Keychain automatically begins updating on that device.

 

How do I set up iCloud Keychain on a new device if I don’t have one of my other devices to approve from?

If you don’t have access to any of your other devices that are using iCloud Keychain, you can still set up iCloud Keychain on another device if you have these items:

  • Your iCloud Security Code
  • The device that is using the SMS-capable phone number you provided when you first set up iCloud Keychain. A verification code is sent via SMS to this phone number. If you don’t have access to this number, contact Apple Support, who can verify your identity so that you can complete setup on your new device.

If you have these items, follow the iCloud Keychain setup steps documented above. Your iCloud Keychain will then be pushed from the cloud to the new device.

 

Can Apple recover my iCloud Security Code?

No. If you enter your iCloud Security Code incorrectly too many times, you won’t be able to use that iCloud Keychain. You can contact Apple Support, who can help verify your identity so that you can try again to enter your iCloud Security Code. After a number of incorrect attempts, your iCloud Keychain is removed from Apple’s servers and you will need to set up iCloud Keychain again.

 

Can I set up iCloud Keychain so that my data isn’t backed up in the cloud?

Yes. When setting up iCloud Keychain, you can skip the step for creating an iCloud Security Code. Your keychain data is then stored only locally on the device, and updates only across your approved devices.

Important: If you choose to not create an iCloud Security Code, Apple will not be able to recover your iCloud Keychain.

 

What happens when I turn off iCloud Keychain on a device?

When you turn off iCloud Keychain for a device, you’re asked to keep or delete the passwords and credit card information that you saved. If you choose to keep the data, it isn’t deleted or updated when you make changes on other devices.

 

What credit card information is stored in iCloud Keychain?

iCloud Keychain stores credit card numbers and expiration dates. It does not store or autofill your credit card security code.

 

Are my existing saved passwords, Wi-Fi networks, and Internet accounts included in iCloud Keychain?

Yes. When you turn on iCloud Keychain, any previously-saved website usernames and passwords, Wi-Fi networks, and Internet accounts are automatically included in iCloud Keychain.

 

How does iCloud Keychain handle websites that do not allow Safari AutoFill?

You can allow Safari to remember and autofill account names and passwords for all websites:

  • Devices using iOS 7.0.3 or later :
    1. Go to Settings > Safari> Passwords & Autofill.
    2. Turn on Always Allow. To use this feature, you must have a passcode lock on your device.
  • Macs using OS X Mavericks v10.9 or later:
    1. Go to Safari > Preferences.
    2. Click Passwords.
    3. Select “Allow AutoFill even for websites that request passwords not be saved.” To use this feature, you must set a screen lock for your Mac.

 

Does iCloud Keychain work with third-party apps?

Yes. Developers can update their apps to work with iCloud Keychain. Passwords saved by those apps are then kept up to date on all devices that use the app and running iOS 7.0.3 or later or OS X Mavericks v10.9 or later.

 

Can I remove my iCloud Keychain from Apple’s servers?

Yes. Follow these steps, starting on any one of your iOS devices or Macs that is using iCloud Keychain:

Devices using iOS 7.0.3 or later:

  1. Go to Settings > iCloud > Account > Keychain and turn off “Approve with Security Code”.
  2. Go to each of your other devices that is using iCloud Keychain and turn iCloud Keychain off.

Macs using OS X Mavericks v10.9 or later:

  1. Choose Apple () menu > System Preferences. Click iCloud, then click Account details.
  2. Deselect “Allow approving using security code”.
  3. Go to each of your other devices that is using iCloud Keychain and turn iCloud Keychain off.

After you complete these steps, your keychain data will remain locally on your devices, but changes to your keychain information will not push to your other devices or the cloud unless you turn iCloud Keychain back on. If you want keychain data to push to all of your devices, but not to the cloud, turn on iCloud Keychain on each device as described earlier in this document, but skip the step to create an iCloud Security Code.

SD and SDXC card slot FAQ

What is SD?
Secure Digital (SD) describes devices that conform to SD standards for non-volatile memory cards. See the SD Association website for more detailed information.

Are there size limitations for the cards that can be inserted into the SD slot?
Yes. The SD card specification for a memory card is 32 mm by 24 mm by 2.1 mm. You can also use thinner cards, such as MultiMediaCards (MMC). Cards that have a thickness greater than 2.1mm or that have surfaces that exceed 2.1mm should not be used. Do not use cards exceeding this size, which may damage the SD card slot if inserted.

Which SD card formats work in the SD card slot?
Cards that conform to the SD 1.x, 2.x, and 3.x standards should work. The SD card slot can use cards that are Standard SD (Secure Digital) 4 MB to 2 GB, SDHC (Secure Digital High Capacity) 4 GB to 32 GB, and SDXC  (Secure Digital Extended Capacity) 4G B to 2 TB. MMC can also be used in this slot. MiniSD, MicroSD, and higher density formats like MiniSDHC and MicroSDHC can also work with the use of “passive” adapters that conform to the width and thickness specifications listed above.

Example of a passive adapter:

What is the maximum speed that my computer can use when reading and writing to an SD card in the SD card slot?
Macs that use the USB bus to communicate with the SD card slot have a maximum speed of up to 480 Mbit/s. Newer Macs use the PCIe bus to communicate with the SD card slot and can transfer data at a much faster rate.

Check the packaging that came with your SD media to determine the maximum transfer rate used by that specific card.

Determine the maximum speed of your Mac using the System Profiler:

  1. Choose About this Mac from the Apple () menu.
  2. Click More Info.
  3. Select USB from the hardware section (for Macs that use the USB bus to communicate with the SD card slot).
  4. Select Internal Memory Card Reader and look for the Speed entry. or
  5. Select Card Reader from the Hardware section (for Macs that use the PCIe bus to communicate with the SD card slot).
  6. Look for the Link Speed entry. Computers that use the PCIe bus express their speed as GT/s.

Does the SD slot work with cards that exceed 32 GB?
Yes.  However, most media manufactures preformat the media using common block-and-cluster sizes that do not approach the theoretical limits of a given file system. Most SD cards use the FAT32 file format. Preformatted FAT32 SD media is commonly available up to a capacity of 32 GB. Media that exceeds 32GB usually uses the exFAT file system. Some smaller capacity cards use the FAT16 file format. Preformatted FAT16 media is generally available up to a capacity of 2 GB. To determine which file system you are using with Mac OS X v10.6.5 or later, insert the media into the SD card slot, go to the Apple menu, select About this Mac…, click on More info…, click on Card Reader in the hardware section, and locate the File System field.

Will the SD card slot work with SD cards that use the exFAT file system?
Yes. Any Mac computer with an SD card slot and running Mac OS X v10.6.5 or later can use the exFAT file system. Note: If you are running Windows 7 using Boot Camp, the exFAT file system can be used only with the MacBook Pro (Early 2011).

How do I insert media into the SD card slot?
Insert a card with the metal contacts facing down and pointing toward the computer.  Do not force media into the SD card slot.  This may damage the SD card slot.

How does my Mac use the media inserted into the SD card slot?
Your computer recognizes a card inserted into the SD card slot as a USB storage device. The SD card can be mounted, read from, and written to just as any other USB storage device can.

I put the card in the slot, but it did not mount.  What should I do?
Remove the card and insert it again. Sometimes, if you put the SD card into the slot too slowly, it may not mount properly.

When I try to write content to the card, I get a “cannot be modified” message.  How can I fix this?
This message appears when you attempt to modify the contents of an SD card that is locked using the lock slider on the card. To edit data on the card, drag the icon representing the device to the Trash to eject the card. When the icon disappears from the desktop, remove the card from the computer.  Adjust the slider tab to unlock the card, then reinsert the card into the slot. Refer to the manufacturers instructions for the location of the slider tab.

Can I reformat an SD card with Disk Utility?
Yes. Using Disk Utility, you can partition and format an SD device as FAT32 (using the MS-DOS FAT setting) or Mac OS Extended. The Mac OS Extended format can only be used on Macintosh systems. Cards formatted to Mac OS Extended will not be recognized by non-Apple systems. Formatting cards larger than 32GB for use with digital cameras, GPS, and other devices may require formatting them with the exFAT file system. When in doubt, format the cards in the device you intend to use with the card.

Can I install Mac OS X on an SD storage device and use it as a startup volume?
Yes. Change the default partition table to GUID using Disk Utility, and format the card to use the Mac OS Extended file format to do so.

How do I remove a card from the SD card slot?
As with any removable media device, allow any data transfer to SD media to complete before removing the card. When removing the card, the best way to insure the integrity of your data is to drag the icon that represents the card to the Trash, then remove the card from the slot after the icon disappears from your desktop.

Can I use SDIO (Secure Digital Input Output) cards?
No. Although SDIO cards are within the width and thickness specifications and should not damage the slot if inserted, they will not be recognized by the computer.

Can I use OS X to see the specifications for the interface hardware and media inserted in the SD card slot?
Yes. The System Profiler should provide information on the interface hardware and the media you inserted into the slot.  To access the System Profiler, choose About This Mac from the Apple () menu. Click More Info, then select USB in the Hardware section. A list of USB devices should appear. Select Internal Memory Card Reader to access information about the interface hardware and the media inserted into the SD card slot.

Can I use the SD card slot while running Windows using Boot Camp?
Yes. The SD card slot works with Boot Camp in Windows XP, Windows Vista, and Windows 7 Home Premium, Professional, and Ultimate. Note: If you are running Windows 7 using Boot Camp, the exFAT file system can be used only with the MacBook Pro (Early 2011).

Use DVD or USB storage to install Boot Camp drivers?
SD, SDHC, or SDXC cards cannot be used to install Boot Camp software on Macs with an SD or SDXC card slot. For more information on the SD/SDXC card slot.

FAQ – Frequently Answered Questions !

Get expert advice and step-by-step how-to’s the latest mac computers and software, iPhones, iPods and iPads.

Some Frequently Answered Questions:

Can a Mac run Windows and Microsoft Office?
Yes. Microsoft Office is available for the Mac, and Word, PowerPoint, and Excel files created on a Mac are fully compatible with Windows. Most other popular applications are available for the Mac, too. But if you need to use a particular Windows-only application, you have a few options: Boot Camp comes with every new Mac, and it lets you run Windows natively — as if your Mac were a PC. If you want to run Mac OS X and Windows side by side, you can purchase Parallels Desktop for Mac or VMware Fusion. Install one of these applications, along with the Windows Installation CDs, and you can run the occasional Windows program right next to your Mac applications, without having to restart.

Is a Mac safe from PC viruses?
Yes. The Mac OS X operating system isn’t susceptible to the thousands of viruses plaguing Windows-based computers. And although no computer connected to the Internet is completely immune to all viruses and spyware, Mac OS X has built-in defenses designed with your safety in mind. The Mac web browser, Safari, alerts you whenever you’re downloading an application — even if it’s disguised as a picture or movie file. And Apple continually makes free security updates available for Mac owners. You can even have them download automatically.

Will my other devices work with a Mac?
A Mac has hundreds of drivers for peripherals preinstalled. Just connect your device and, in most cases, you’re good to go. And a Mac is smart enough to know what to do when you plug in your digital camera: It opens iPhoto and asks if you want to import your recent photos.

Will my keyboard and mouse work with a Mac?
Yes. The Mac is compatible with virtually any keyboard and multibutton mouse, even the ones you use with your PC. Just plug them into the USB ports on your Mac and start working. You can also use the Multi-Touch Magic Mouse or multibutton Apple Mouse, which comes with every iMac and Mac Pro, respectively. And the trackpad on MacBook, MacBook Pro, and MacBook Air offers “right-click” capability — just press the Control key when you click.

Can I work with my existing documents on a Mac?
Yes. A Mac can open most files from your PC, including Microsoft Office documents (Word, Excel, PowerPoint), PDFs, MP3s, iTunes songs, WAV files, JPEGs, GIFs, and more.

Can I join Windows networks?
Yes. If you have a network at home or at work, whether wired or wireless, a Mac will fit right in. You can share files with any computer on your network, browse the web, and get your work or home email.

What about Wi-Fi?
All new Mac computers are Wi-Fi capable. Available wireless networks automatically show up. Just select the network you want to join, enter a password if necessary, and you’re connected.

Is a Mac reliable?
When you buy a PC, you’re buying hardware from one company and an operating system and software from other companies. Not so with a Mac. Because Apple builds both the computer and the software that comes with it, they’re literally made for each other. This means that a Mac rarely freezes or crashes. Occasionally an application might quit, but it won’t affect the rest of your system. And Mac OS X resists most viruses, so you can do anything — without worrying about losing everything.

What software is available for the Mac?
Thousands of titles are available for the Mac. You’ll find everything from Microsoft Office and Rosetta Stone to Adobe Photoshop Elements and Adobe Creative Suite. A huge collection of games covering every genre is available for the Mac, including top sellers such as Age of Empires III, The Sims 2, Guitar Hero III, and many more.

How do I move my files to a Mac?
The best way to transfer your photos, music, documents, and other files is to let us do it for you. When you buy a new Mac from an Apple Retail Store or the Apple Online Store, simply add One to One to your purchase. One to One costs just $99, and it includes Personal Setup, a year’s worth of face-to-face training, and exclusive group workshops. It’s all designed to help you get the most out of your Mac.
If you like, you can transfer your files yourself. And it doesn’t require much work.

Here are two ways to do it:

  1. Copy files from your PC to an external hard drive, connect the drive to your Mac, and move the files over.
  2. Use a local network to move files directly from your PC to your Mac. For detailed information on moving your files to a Mac, read Switch 101: Migrate Your Files or Your Windows System.

Will my current email service work on a Mac?
Yes. You can access your current email in two ways:

View web-based email — such as Gmail, Hotmail, Yahoo! Mail, and MobileMe mail — in the Safari web browser.
Use the Mail application in Mac OS X Snow Leopard. Simply enter your email account information and you’re good to go. If you have email messages in Microsoft Outlook on your PC, you can transfer them to your Mac using inexpensive third-party software.
No matter which method you choose, you can continue using your current email address.

Which web browsers will work on a Mac?
Every Mac includes Safari, the fastest web browser in the world. You can also use Mac versions of Firefox, Opera, and others.

Can I instant message on a Mac?
Yes. Every Mac comes with iChat, Apple’s instant messaging application. iChat supports AIM, Google Talk, and MobileMe. In addition to text messaging, iChat allows you to video chat with friends and family around the world.3 Microsoft and Yahoo! offer Mac versions of their instant messaging applications, too.

What kind of support can I expect?
Every Mac comes with service and support that’s consistently voted the best in the business. If you have a problem in the first year of owning your new Mac, you can take it to an Apple Retail Store to get it fixed or figured out. And if you purchase the AppleCare Protection Plan, you extend your service and support to up to three years from the date of your Mac purchase. The Apple Retail Store also offers services like ProCare, which gives you priority support, and One to One, which provides personal training on your Mac. Each service costs $99 a year.

Is it easy to learn how to use a Mac?
Every Mac is created with the guiding principle that computers should be easy to use, so you can spend more time doing what you love and less time figuring out how your computer works. If you’ve never owned a Mac, you may need a little time to get used to it. But within a week or two, chances are you’ll get along like old friends. And because all Mac applications are designed to work in the same, intuitive way, once you learn one application — iTunes, for example — you’ll quickly pick up iPhoto, Mail, or any of the other software that comes with your Mac.