1. Evilguppy's Avatar
    What am I doing wrong?
    I unlock my phone with my face and then put it up to the reader, double click on the side button and... it tells me to unlock my phone again and wants it close to the reader again.

    There has to be a better way?
    03-08-2018 08:37 PM
  2. Quis89's Avatar
    Maybe try double clicking the home button prior to putting it near the reader to call up Apple Pay first.
    03-08-2018 08:50 PM
  3. cwbcpa's Avatar
    I might be misunderstanding but here are steps that I took when using the X 1) use Face ID to unlock the phone 2) double click the button 3) use Face ID again to initiate Apple Pay 4) put the phone near the reader.

    I hope that helps. Good luck!
    eyesopen1111 likes this.
    03-08-2018 09:55 PM
  4. mogelijk's Avatar
    I might be misunderstanding but here are steps that I took when using the X 1) use Face ID to unlock the phone 2) double click the button 3) use Face ID again to initiate Apple Pay 4) put the phone near the reader.

    I hope that helps. Good luck!
    Actually, you can just do three steps by omitting your first step. If you double click the button, even with the phone locked, it will take you to Apple Pay and then using FaceID will authorize the payment.
    03-09-2018 12:28 AM
  5. BreakingKayfabe's Avatar
    Maybe try double clicking the home button prior to putting it near the reader to call up Apple Pay first.
    This is surprisingly the only fastest way. I have always had the double click disabled on Touch ID devices and would on the X because I accidentally bring it up too much. With Touch ID I'd just tap the terminal, wallet comes up, insert thumbprint and done. With the X if you tap the reader and go through the same steps it asks you to put it near the reader again. Now I just double click the power button and verify with Face ID before putting it near the reader.
    Rob Phillips likes this.
    03-09-2018 06:51 AM
  6. Just_Me_D's Avatar
    What am I doing wrong?
    I unlock my phone with my face and then put it up to the reader, double click on the side button and... it tells me to unlock my phone again and wants it close to the reader again.

    There has to be a better way?
    Double-press the side button, wait for FaceID to recognize your face and then place the phone near the reader.
    03-09-2018 08:22 AM
  7. anon(5630457)'s Avatar
    What everyone else said.
    03-09-2018 09:20 AM
  8. Evilguppy's Avatar
    Oh. I just used one step too many. Duh. Thanks everyone
    03-09-2018 10:18 AM
  9. cwbcpa's Avatar
    Actually, you can just do three steps by omitting your first step. If you double click the button, even with the phone locked, it will take you to Apple Pay and then using FaceID will authorize the payment.
    You are correct. So few places accept Apple Pay around me. I really don't use it very much. I guess my memory failed me. lol.
    03-09-2018 01:30 PM
  10. kataran's Avatar
    I put it up to reader and my card comes up then double click
    03-09-2018 03:28 PM
  11. anony_mouse's Avatar
    Now I see why Apple Pay is so unpopular! Compare with how many steps it takes to use a contactless bank card. :-)
    03-10-2018 05:34 AM
  12. p3t3rPan's Avatar
    Click click, face recognition, wave, bye bye.
    03-10-2018 05:55 AM
  13. anony_mouse's Avatar
    Click click, face recognition, wave, bye bye.
    Compare that to wave, bye bye! Apple/Android pay seems barely even practical for some situations, for example public transport.

    Plus you don't have to give Apple or Google a continuous charging authority on your credit card. These are a bad idea - https://www.moneysavingexpert.com/ba...rring-payments .
    03-10-2018 06:58 AM
  14. Rob Phillips's Avatar
    Compare that to wave, bye bye! Apple/Android pay seems barely even practical for some situations, for example public transport.

    Plus you don't have to give Apple or Google a continuous charging authority on your credit card. These are a bad idea - https://www.moneysavingexpert.com/ba...rring-payments .
    Continuous payment authority is when you give a merchant permission to continuously charge your card as needed (think Amazon, Netflix). Storing your card information for Apple Pay is not giving Apple authority to debit your card without express authority at the time of purchase.
    Many, including the largest banks in the world, are huge fans of tokenized payment methods like Apple Pay because they vastly cut down on fraud and, as a consumer, I like the fact that merchants never get my card number. I’d rather give one company (Apple) my card information versus every merchant that I buy things from.
    From a convenience standpoint I don’t find it terribly convenient or inconvenient. I use Apple Pay solely because it’s tokenized.
    Last edited by Rob Phillips; 03-10-2018 at 07:54 AM.
    03-10-2018 07:15 AM
  15. p3t3rPan's Avatar
    Compare that to wave, bye bye! Apple/Android pay seems barely even practical for some situations, for example public transport.

    Plus you don't have to give Apple or Google a continuous charging authority on your credit card. These are a bad idea - https://www.moneysavingexpert.com/ba...rring-payments .
    And if I have your card I don’t need any verification. Ha ha
    03-10-2018 04:46 PM
  16. anony_mouse's Avatar
    And if I have your card I don’t need any verification. Ha ha
    Indeed that's true, but as only small transactions are allowed without a PIN (and only up the a certain cumulative amount) the potential losses are small, with liabilities taken by the bank.
    03-12-2018 03:18 AM
  17. anony_mouse's Avatar
    Continuous payment authority is when you give a merchant permission to continuously charge your card as needed (think Amazon, Netflix). Storing your card information for Apple Pay is not giving Apple authority to debit your card without express authority at the time of purchase.
    No. Giving your credit card information to Apple or Google is a continuous payment authority. They can charge you whenever they think you owe them money, such as when you buy an app, become liable for a subscription, use Apple/Android Pay, etc. This is a bad idea - it's better to add the card number only when you want to buy something and then remove it again.

    Many, including the largest banks in the world, are huge fans of tokenized payment methods like Apple Pay because they vastly cut down on fraud and, as a consumer, I like the fact that merchants never get my card number. I’d rather give one company (Apple) my card information versus every merchant that I buy things from.
    From a convenience standpoint I don’t find it terribly convenient or inconvenient. I use Apple Pay solely because it’s tokenized.
    Tokenization is part of the EMV contactless payment standards and is possible using contactless bank cards as well as phones. You can sometimes see the details on the receipt you get after a purchase with a contactless bank card.
    03-12-2018 03:30 AM
  18. Rob Phillips's Avatar
    No. Giving your credit card information to Apple or Google is a continuous payment authority. They can charge you whenever they think you owe them money, such as when you buy an app, become liable for a subscription, use Apple/Android Pay, etc. This is a bad idea - it's better to add the card number only when you want to buy something and then remove it again.
    I was referring specifically to Apple Pay, not storing payment information with Apple to purchase for apps, media, subscriptions, etc. Again, Apple Pay is not a continuous authorization because it requires user interaction with every transaction.
    But what do I know know? I’ve only worked in banking and finance for the last 15 years.
    03-12-2018 07:27 AM
  19. Andrew Clark1's Avatar
    I’ve actually never really used this option till I got the X. But I like it a lot with the X hasn’t messed up yet. By the time i double click while looking at the phone it recognizes my face and I just put to the reader. I usually have to wait for the attendant
    03-12-2018 12:30 PM
  20. Andrew Clark1's Avatar
    I’m having a issue right now trying to upgrade my iCloud. I have my wallet set up I use Apple Pay but when I try to upgrade my iCloud it gets declined every time
    03-12-2018 12:31 PM
  21. Rob Phillips's Avatar
    I’m having a issue right now trying to upgrade my iCloud. I have my wallet set up I use Apple Pay but when I try to upgrade my iCloud it gets declined every time
    Go to Settings, then tap your name and go to Payment & Shipping. Make sure your credit card information is up to date. Your stored payment method used to make purchases with your Apple ID is separate from Apple Pay.
    Last edited by Rob Phillips; 03-13-2018 at 06:27 AM.
    03-12-2018 07:34 PM
  22. Andrew Clark1's Avatar
    Every time I go to view my payment info the exp. date and Ccv code are missing. When I hit save and go back to it it’s still missing. My card works for anything else. Apple takes out .99 every month for my 50gb of storage so I don’t get the issue
    03-12-2018 08:35 PM
  23. Rob Phillips's Avatar
    Every time I go to view my payment info the exp. date and Ccv code are missing. When I hit save and go back to it it’s still missing.
    That’s normal. They do that for security reasons.
    Tartarus likes this.
    03-12-2018 09:49 PM
  24. anony_mouse's Avatar
    I was referring specifically to Apple Pay, not storing payment information with Apple to purchase for apps, media, subscriptions, etc. Again, Apple Pay is not a continuous authorization because it requires user interaction with every transaction.
    But what do I know know? I’ve only worked in banking and finance for the last 15 years.
    Don't do yourself down. I'm sure your experience is very relevant.

    But my point is the same. If you give your credit card details to Apple or Google, they can charge you whatever they claim you owe them whenever they like. This is why it's a bad idea to leave your card details with them.

    It's better to use a bank card directly because then there is no middle man to take a cut and potentially get things wrong. You could argue that in North America the payment card infrastructure is so insecure that using it with a magnetic strip card is even worse than giving your card details to a third party. Actually I would agree with that. But in the rest of the world we have chip-and-PIN and contactless payments, and these are very safe already.
    Last edited by anony_mouse; 06-08-2018 at 10:25 AM.
    05-03-2018 09:16 AM
  25. Mr Segundus's Avatar
    It'd be nice if Apple could work out MST technology like Samsung, but I understand that it is going to be an ancient technology in the future.
    05-03-2018 09:26 AM
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