Apple Pay

So, I have used Apple Pay for paying for online services, as well as sending and receiving money to friends and family. As for paying for services online, it's all pretty straightforward, no different than using something like PayPal, for example. As an example, I frequently use a service called InstaCart. This is a service where shoppers can buy groceries for you at stores local to your location, and deliver them to your front door. Alternatively, you can have the store put a shopping cart together for you, and you can do what is known as "curbside pick-up". Using Apple Pay to pay for this service, is as simple as choosing the Apple Pay option from my list of payment options, and then just double-tapping on the submit button. 😎
I've never used Apple Pay at a cash register, like for example going to a Starbucks, purchasing a coffee, and swiping my phone near the reader. I know many have done this, I never have. I'm a bit old-fashioned, and usually just hand them a credit and/or debit card. 🤷

As for sending and receiving money, that is super easy. You do that through the Messages app on your iPhone. Just text someone like normal, swipe to the left of the edit field, until you find the Apps button, choose Apple Pay, and follow the prompts to choose the amount you want to send or request to the person you're texting with. 😀📱

Edit, I do believe in order to send and receive money, both parties need to have Apple Pay set up on their iPhones. Just FYI.

HTH.

In store I simply ask how much then use the side button, face id, then put the phone near the reader. Works flawlessly and then VO tells you how much you have just paid out from your account. Very accessible and easy to use.

My experience is good but it could be better, because I can't really tell how much I'm going to pay at a payment terminal so I just have to trust the cashier, however my bank does send a notification right after the payment so I can easily tell if there's a difference between what I was expecting to pay and what I actually paid, but I don't think that this is part of the Apple Pay experience so your mileage may vary. As far as the online experience is concerned, I have zero complaints about it, and actually prefer Apple Pay to other payment methods since the vendor cannot change the amount after it is communicated to me without invalidating the transaction, so it's fine and is actually my preferred payment method when available.

A huge benefit of Apple Pay for me is that at least my bank trusts it at least as much as they trust my chip and PIN payments, so I am not bound to the ridiculously low amounts that traditional contactless payment methods are subjected, and don't have to input a PIN at a public location either. I think that the largest contactless purchase that I made using Apple Pay was over 3000€ and had absolutely no issues, so I don't really know what the hard limit is for my bank. Also people's reactions to me just paying that kind of sum by twisting my wrist over a payment terminal are priceless, as even cashiers aren't used to anyone making over 50€ contactless payments here, and on Apple Watch you don't even have to authenticate, it's just double-pressing the side button and twisting your wrist to turn the watch to face the terminal.

At online stores it makes sence you see how much you have to pay before paying but for in store purchaces, that's not possible with the current system, and I, don't see how it could be possible in physical stores because somehow the store would have to comunicate with apple pay and then show you the total... Its simply not possible even with physical methods, when buying physically at a store, you'll always get told the total weather your using apple pay or not. Plus you get the wallet charge notification in what? 15 to 30 seconds per experience if that, maybe closer to 1 to 5 seconds in reality, that's when you see the total, but there's no way to have the total comunicated to apple pay beforehand like what you get when shopping online in physical stores. If it was, we'd have already seen that with not even apple pay but physical cards, I suspect, a long time ago. I don't really see this as a problem or downside. If you look at other contactless payment methords i.e, google pay and the one used by garming, none have the, letting you know the total before paying at physical places either, as its not possible to do this.
Also agree on the apple watch, it’s really neet.
As far as apple pay goes for op, it works great. However as to your question of what if one presses the power button twice by accident, if on the phone, the cards won't be ready to pay until you put your face id first. So no problem there. If on the watch, yeah this will bring up the, hold near reader but unless your close to the pos, and I mean, a few inches to a few centimeters as in, you have to practically tap the device to the pos, the charge won't be made. That plus there's a time-limit how long the cards stay up ready for payment but not sure how long that is I think 30 seconds maybe a minute if memory serves.
As far as transfering money, as far as I know, don't you have to be in the US to take advantage of this? Plus you have to have the I think its apple card but not sure. To my understanding though its not available unless your in very Specific countries i.e, US.

At online stores it makes sence you see how much you have to pay before paying but for in store purchaces, that's not possible with the current system, and I, don't see how it could be possible in physical stores because somehow the store would have to comunicate with apple pay and then show you the total.

In this specific case, the payment terminal has to repeatedly send information while it waits for the device to identify itself, and the bank has to be informed of the amount to be paid at some point, so one very conservative solution that would be guaranteed to work with current technology would be to allow us to input that amount before initiating the contactless payment, and then either the bank or the device itself would decide whether the transaction should get committed or aborted based on the information that we entered, much in the same way banks can already allow or deny transactions based on whether the account can be credited or even whether the bank identifies the transaction as potential fraud.

It doesn't make logical sense to make negative claims, because when you do that, you are implying that you know everything.

I am Kaushik from India. Early waiting for Apple Pay to be in my country and experience the beauty.

To my knowledge, Apple Cash, the peer-to-peer money transfer service that works via Apple Pay, does not require Apple Card.

To pay in-store on an iPhone SE 3, assuming the process hasn't changed since the last time I had an iPhone with Touch ID, just hold the phone up to the reader, and rest your finger on the Home button when the Apple Pay screen appears to authenticate the payment. Alternatively, you can select a payment method, or authenticate prior to holding your iPhone to the reader, by pressing the Home button twice on the Lock Screen, and then holding the iPhone to the reader when you're ready to pay.

Online payments should be as straightforward as selecting the "Apple Pay" option in an app or website's checkout flow, and then authenticating when prompted.