Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication. It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode. It does not require Apple Pay-specific contactless payment terminals it can work with any merchant that accepts contactless payments. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It is not available on any client device that is not made and sold by Apple (in particular, it cannot be used on any Android device, nor on any browser running on Windows).

It is supported on the iPhone, Apple Watch, iPad, and Mac. that allows users to make payments in person, in iOS apps, and on the web using Safari. Macs supporting Handoff running macOS Sierra or later paired with an Apple Watch or iPhone 6 or newerĪpple Pay is a mobile payment and digital wallet service by Apple Inc. Apple Watch paired with an iPhone, or Series 3 or newer with cellularĢ014 iPads ( Air 2, Mini 3) or newer with iOS 10 or later

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