About Apple Pay use limits in store

Romania
You may be invited to enter your PIN code for purchases greater than 100 RON.

Apple Pay: how to pay with your iPhone ?

You wonder how to pay with Apple Pay ? If paying with your iPhone is really practical and advantageous ? Or how to activate and deactivate Apple Pay to make online or store shopping ? If you still hesitate to go to mobile payment, we explain everything you need to know to adopt this dematerialized method of settlement.

You are looking for a mobile offer to take advantage of Apple Pay ? Discover the available offers and let yourself be guided in order to take advantage of the partner offer most suited to your needs.

• The essential
• THE Apple Pay payment Allows you to use an iPhone to set an invoice in physical or online store.
• It is also possible to use an Apple Watch, an iPad or a Mac To make Apple Pay purchases.
• Activate and deactivate Apple Pay is easily made from the Wallet application, integrated into your device.
• In France, the Apple Pay ceiling is set at 50 € maximum per transaction.

Apple Pay: how it works and what is it ?

Apple Pay is a mobile payment system developed by the famous firm of the same name. It allows transactions directly with your mobile phone. In this case, an iPhone.

When the merchant or the online store with which purchases are made has the infrastructure necessary for this type of payment, Apple Pay directly transfers funds to the bank account concerned.

Of course, Apple is not the only one to have designed a mobile payment application. But, in its case, Apple Pay uses NFC technology to perform financial transactions.

It corresponds to a technology of contactless mobile payment (Near Field Communication)). That is, two devices can exchange data quickly.

As soon as a merchant has a contactless payment terminal, the NFC chip of a smartphone is compatible with it and allows the transaction to be made. It is therefore a widely used method of payment.

SO, How to pay with your iPhone ? There are some conditions to be fulfilled before you can buy products with your mobile phone:

• Be in possession of a credit card issued by a partner banking establishment.
• Owner a compatible device To make the payment.

To this are added various security checks in order to Configure Apple Pay And to be able to use your mobile phone in place of a traditional credit card.

The apple company highlights a number of arguments to encourage theUse of Apple Pay ::

• Faster payment method and more secure.
• Compatible with a lot of shops around the world.
• More hygienic payment method (you do not receive money or payment terminal).
• Your data is protected from A to Z during the transaction.

In addition, it only takes a few minutes to install and configure Apple Pay. After that, you just have to record a bank card in Wallet to make the purchases of your choice.

You want to buy an iPhone with Apple Pay compatible package ?

Apple Pay payment in detail

Before you can pay with your smartphone, it is necessary toActivate Apple Pay. However, this mobile payment system works with Wallet, a mobile application in which your credit cards are stored and secured.

You must first check that your iPhone has the most recent version of iOS, that your bank card comes from a partner bank and that your Apple identifier is well connected to The iCloud.

Afterwards, Configure Apple Pay is done in only a few steps:

1. Open the Wallet application (Cards in French) already integrated into your phone.
2. Once open, touch the “Add +” button, then “Bank card”.
3. You will be invited to select Banking to which your card is attached.
4. If a verification code is sent to you by SMS, enter it in the application.

For pay with his iPhone, It is then necessary to confirm your information to the bank, so that it validates the use of the card with Apple Pay.

Apple Pay history The Wallet app has a tab entitled “Previous cards” allowing you to visualize the cards you have recorded in the app in the past. The procedure is then the same as that described above if you want to add it again.

Add a card to pay with Apple Watch

You have a connected watch ? With this object also it is possible to activate and Disable Apple Pay to make payments.

The instructions are identical to those aimed at Add a bank card to an iPhone. You also don’t need to download the Wallet app on the Apple Watch instead of your smartphone, since it is already present.

You want to buy a new iPhone with mobile package ?

Add a card to pay with a Mac or iPad computer

If you make many online transactions, it can be very useful toInstall Apple Pay on your Mac or tablet to easily pay your purchases on the Internet.

1. On your Apple Mac, click on the “System Preferences> Cards and Apple Pay” section.
2. If you use an iPad, go to the “Setting” menu, then ” Card and Apple Pay »».
3. Then select the “Add a card” option.
4. You will also need to confirm this information to the card issuing the card concerned.

You can then immediately pay with Apple Pay.

Where can we pay with Apple Pay ?

The mobile payment application developed by Apple offers a wide range of possibilities in terms of transaction places.

For example, you have the possibility of shopping in shops, of course, but also online on e-commerce sites (via the Safari browser) or applications.

The list does not stop there. Even if France has not yet been a part, several countries allow you to take public transport And to settle its travel title using Apple Pay.

Proceeding with private money to individual is another Apple Pay feature. Finally, some universities accept mobile payments with a student card.

And the application Messages for companies also allows you to finalize transactions in this way.

There are very few limitations for pay with his iPhone, Even if some businesses or institutions are still refused to allow payments with a mobile phone.

Anyway, the Apple Pay payment You offer the freedom to have a coffee, place an online order, have you delivered a meal basket, take out a streaming music subscription or just do your shopping at the supermarket.

As soon as you see one or more logos following in the establishment where you are, it means that it is possible toUse Apple Pay ::

The procedure to use Apple Pay

If you are wondering How to use Apple Pay In a business or on a website, know that it is not rocket science.

Apple Pay offers fast and intuitive grip to facilitate mobile payments. Discover step by step how to do to Activate Apple Pay and pay with your mobile phone.

Mobile payment with an iPhone

Depending on the iPhone model in your possession, it will have the Touch ID technology, which corresponds to the unlocking of the device using a fingerprint .

Or Face ID technology, a facial recognition system allowing the use of the smartphone in question. The procedure for pay with Apple Pay is not the same:

1. With Face ID, press twice on The side button of your iPhone.
2. With Touch ID, place your finger on the sensor. Your default card is then displayed in Wallet.
3. If you want to use a different one, touch the main card to display others.
4. Hold the top of the iPhone near the contactless reader. A validation message accompanied by the mention “OK” must appear on the screen ✅.

As a rule, you have no other action to complete the payment by Apple Pay; But it can happen to you to be asked for the phone PIN code or to sign a receipt.

Use an Apple Watch

You want to set your shopping with your connected watch ? No problem !

1. Press the side button of your Apple Watch.
2. Your default card is automatically displayed. To use another, scroll the screen down.
3. Hold the Apple Watch screen near the payment terminal. A slight vibration accompanied by a beep must occur.

This signal confirms the success of payment, you have nothing more to do.

When you choose to use Apple Pay online or in an application, you just have to opt for the payment method with this system, rather than a conventional bank card payment.

The limits of mobile payment with Apple

You wonder if there is a Apple Pay ceiling that may block your future transactions ? Indeed, as a safety measure, it is not possible to buy a smart TV or a new iPhone in this way.

In France, Apple Pay payments are capped up to € 50 . It can also sometimes happen that you should Fill in your iPhone PIN code To confirm the transaction.

In the event that the payment limit set by the merchant is too low, you must then opt for another method of payment.

You are looking to consult your History of Apple Pay transactions ? Whatever the device used, open the wallet app and touch your finger at one of the recorded cards.

This action allows you to display all payments made with your iPhone, iPad or Apple Watch. For more details regarding a particular purchase, touch it simply.

What are the devices compatible with Apple Pay ?

One of the reproaches often made to the technology of Apple Pay mobile payment is its restriction on the compatibility of devices. In other words, only some Apple products allow you to pay with the Wallet application.

However, the apple firm designs new devices each year and constantly improves the operation of its operating systems.

If you own one of the Apple products below, you have the possibility ofActivate Apple Pay and adjust your purchases in a dematerialized manner.

Apple Pays compatible devices are:

• THE iphone With Face ID and iPhone with Touch ID (except the iPhone 5S).
• THE ipad Pro, iPad Air, iPad and iPad Mini with Touch ID or Face ID.
• THE Apple Watch Series 1 and subsequent models.
• THE Mac computers With Touch ID or with Apple chip twinned with a Magic Keyboard with Touch ID.

You are looking for an internet offer adapted to your needs ?

It is true that if you do not have Apple products, you will not be able to use Apple Pay. But alternatives exist to adjust your purchases with a smartphone all the same.

What is the model of my device ? If you don’t know which iPhone, iPad or Apple Watch model is in your possession, know that you can easily find this information online. To do this, Apple provides you with explanatory sheets for each product, to help you locate the model number of your device.

Partner banks of the Apple Pay payment system

After activating Apple Pay and in order to pay with his iPhone, Your bank card must come from a bank that accepts this type of contactless mobile payment.

It goes without saying that not all banking establishments endorse these kinds of practices; Some are therefore resistant to the use of Apple Pay and do not allow mobile transactions.

To help you sort and check quickly if you are a customer of a Apple Pay partner bank, We have gathered them in the list below:

French banks compatible Apple Pay

Facility Name
Advanzia Bank
American Express
APETIZ (Visa cards)
Arkéa Private Bank (Mastercard Cards)
Bank of America
Bank Wormser
BCP Bank
Savoy Bank
Palatine Bank
Banque Populaire (Visa cards)
Biforbank
BNP Paribas
Boursorama (bank cards, visa cards)
bunq
C-ZAM (Bank crossroads)
Savings bank (Visa cards)
Bank crossroads (Mastercard debit cards)
Crédit Agricole (bank cards, visa cards)
Industrial and commercial credit
Mutual credit
Curve
Edenred (Ticket Restaurant cards)
Finish
Fortuneo Bank
Crédit du Nord group (bank cards, visa cards)
Hello Bank!
HSBC (Debit cards and Visa Credit Cards)
icard
ING
JOOMPAY EUROPE S.HAS.
The postal bank
LCL
Lunchr
Lydia
My French Bank
Manager one
Max
Monabanq
Monese
N26
Orange Bank
Payhawk
PAYSERA
Pixpay
Pleo
Qonto
Revolut
Shine
Société Générale (bank cards and visa cards)
Sodexo
Stocardy
Sumup
Swan
Up
Viva wallet
Vybe
Wise
Zelf
ZEN.Com

As you can see, the Online banks (like Boursorama, N26 or Wise) are not the only ones to authorize the Payment by Apple Pay.

So -called “traditional” banks such as Crédit Mutuel or Société Générale also allow their customers to pay for their purchases with an iPhone or Apple Watch.

Is mobile payment secure ?

It is completely legitimate to wonder if pay with his iPhone does not present a security risk . But rest assured, Apple did not do things lightly and did the necessary to Configure Apple Pay in order to strengthen security in the event of fraud attempts.

Biometric identification

First of all, as already mentioned above, paying with Apple Pay can only be done after having been Identified with Face ID, Touch ID or a PIN code. In other words, no one should have, in theory, access to your bank cards recorded in Wallet.

In a second step, data confidentiality is guaranteed: no personal information is communicated to anyone in the context of your Apple Pay payments.

Apple herself ensures that she does not store your data on her servers; where the Single transaction code is issued each new use of Apple Pay. This is called an operation by token (understand “a unique token”).

With a connected watch, you can activate the functionality of wrist detection. So, each time you put the Apple Watch, you must enter your PIN code.

You want to buy a new iPhone with mobile package ?

• In store: your credit card number is never revealed .
• Online: stores and applications only have access to the information you give them.
• With a credit card, No element allowing you to relate to a particular purchase is registered.

In case of loss or theft

If you unfortunately get lost or have your iPhone fly, it is possible to Disable Apple Pay even from a distance. However, for it to work, you must have activated the functionality ” Locate my iPhone »Beforehand.

This then allows you to use the “Lost fashion” of your device, to suspend Apple Pay activity. Instead of Delete all your cards, The application is temporarily paused. If you get the device in question, you just have to Activate Apple Pay a new time.

And if I want to deactivate Apple Pay ?

You no longer need a mobile payment system or want Disable Apple Pay temporarily ? You are completely free to take a break and no longer use the application.

In reality, it is not a question of Delete Apple Pay strictly speaking, but rather to delete recorded bank cards.

1. Open the Wallet app and touch your finger the card you want to delete.
2. Then touch the “Plus” button with the three horizontal points .
3. Then scroll the screen down and touch ” Delete this card »».

These instructions are also valid in the case of an Apple Watch. You should Scroll down the screen To remove a bank card.

Finally, on a Mac, go to the system of system preferences, then click on ” Portfolio and Apple Pay »». Then you just have to click on the button ” DELETE »».

Updated on 09/21/2023

Floriane writes on all subjects linked to the Internet and Mobile.

About Apple Pay use limits in store

In some countries and regions, you may be invited to enter your PIN code when you pay in store with Apple Pay and your transaction is greater than a certain amount. In some cases, you may have to sign a receipt or use another payment method.

Merchants and card transmitters establish limits for certain transactions. Here are the transaction limits for contactless payments in store (especially with Apple Pay):

Africa

Morocco
You may be invited to enter your PIN code for purchases above 400 Mad.

South Africa
You may be invited to enter your PIN code for purchases above 500 ZAR.

Asia Pacific

Australia
You may be invited to enter your PIN code for purchases above 200 AUD.

Continental China
You may be invited to enter your PIN code during your purchases.

Hong Kong
You may not be able to use Apple Pay for purchases above 500 HKD.

Japan
In some stores, you may not be able to use Apple Pay or be invited to enter your PIN code. In other stores, you may not be able to use Apple Pay for purchases above 20,000 JPY.

Macao
You may be invited to sign a receipt or enter your PIN code during your purchases.

Malaysia
You may be invited to enter your PIN code for purchases above 250 RM.

New Zealand
You may be invited to enter your PIN code for purchases above 200 NZD.

Singapore
You may be invited to sign a receipt or enter your PIN code. In some stores, you may not be able to use Apple Pay for purchases above 200 SGD.

South Korea
You may be invited to sign a receipt for purchases above 50,000 krw.

Taiwan
You may be invited to sign a receipt for purchases above 1,000 NTD.

Vietnam Vietnam
You may be invited to sign a receipt or enter your PIN code for transactions over 1,000,000 VND.

Europe

Armenia
You may not be able to use Apple Pay for purchases above 20,000 AMD.

Austria
You may be invited to enter your PIN code for purchases above 25 EUR.

Azerbaijan
You may be invited to enter your PIN code for purchases above 80 AZN.

Belarus
You may be invited to enter your PIN code for purchases greater than 120 byn (visa) or 100 byn (mastercard).

Bulgaria
You may be invited to enter your PIN code for purchases above 100 BGN.

Croatia
You may be invited to enter your PIN code for purchases above 100 HRK.

Cyprus
You may be invited to enter your PIN code for purchases above EUR 50.

Czech Republic
You may be invited to enter your PIN code for purchases above 500 CZK.

Denmark
You may be invited to enter your PIN code for purchases above 350 DKK.

Estonia
You may be invited to enter your PIN code for purchases above EUR 50.

Finland
You may not be able to use Apple Pay for purchases above EUR 50.

France
You may not be able to use Apple Pay for purchases above EUR 50.

Georgia
You may be invited to enter your PIN code for purchases above 160 gel (visa) or 100 gel (mastercard).

Germany
You may be invited to enter your PIN code for purchases above 25 EUR (VISA) or EUR 50 (Mastercard).

Greece
You may be invited to enter your PIN code for purchases above EUR 50.

Hungary
You may be invited to enter your PIN code for purchases above 15,000 HUF.

Iceland
You may be invited to enter your PIN code for purchases above 7,500 Isk.

Ireland
You may not be able to use Apple Pay for purchases above EUR 50.

Italy
You may be invited to sign a receipt or enter your PIN code for purchases above 25 EUR.

Kazakhstan
You may be invited to enter your PIN code for purchases above 25,000 kzt (VISA) or 20,000 KZT (Mastercard).

Latvia
You may be invited to enter your PIN code for purchases above EUR 50.

Liechtenstein
You may be invited to enter your PIN code for purchases above 40 CHF.

Lithuania
You may be invited to enter your PIN code for purchases above EUR 50.

Luxembourg
You may be invited to enter your PIN code for purchases above 25 EUR (VISA) or EUR 50 (Mastercard).

Malta
You may be invited to enter your PIN code for purchases above EUR 50.

Moldova
You may be invited to enter your PIN code for purchases above 1,000 lei.

Montenegro
You may be invited to enter your PIN code for purchases above 25 EUR.

The Netherlands
You may be invited to enter your PIN code for purchases above EUR 50.

Norway
You may be invited to enter your PIN code for purchases above 400 NOK (VISA) or 500 NOK (Mastercard).

Poland
You may be invited to enter your PIN code for purchases greater than 100 EUR.

Portugal
You may be invited to enter your PIN code for purchases above EUR 50.

Romania
You may be invited to enter your PIN code for purchases greater than 100 RON.

Serbia
You may be invited to enter your PIN code for purchases above 4,000 RSD.

Slovakia
You may be invited to enter your PIN code for purchases above 20 EUR.

Slovenia
You may be invited to enter your PIN code for purchases above EUR 15.

Spain
You may be invited to enter your PIN code for purchases above EUR 20 (Visa) or EUR 50 (Mastercard).

Sweden
You may be invited to enter your PIN code for purchases above 400 SEK.

Swiss
You may be invited to sign a receipt or enter your PIN code for purchases above 80 CHF.

Ukraine
You may be invited to sign a receipt or enter your PIN code for purchases greater than 15,000 UAH (VISA) or 1,000 UAH (MasterCard).

United Kingdom
You may not be able to use Apple Pay for purchases above 100 GBP.

How to pay with Apple Pay
Settlement of your purchases with ease and safety

To pay store purchases, No need to leave the watch screen of your iPhone or to open an app.

Just approach the iPhone of the contactless reader Keeping your finger on Touch ID.

A “finished” message will appear on the screen, accompanied by a slight vibration and a beep to confirm that your payment information has been sent.

With the Apple Watch:

On Apple Watch, press the side button twice and Place the Apple Watch screen near the contactless reader.

The Apple Watch vibrates slightly and emits a sound To confirm that your payment information has been sent.

In store, regulations with Apple Pay are generally limited to € 300 (1) . For some traders, the amount accepted in payment via Apple Pay may be lower than this limit. This is a limit imposed by the terminal of your merchant and not by Apple Pay.

If you want to set with a different card from your default card ?

To change card on your iPhone, place the device near the reader without putting your finger on the Touch ID sensor. When your default card appears, touch it, then select the one you want to use. Place your finger on the Touch ID sensor to pay.

On your Apple Watch, press the side button twice. When your default card appears, scan to the left or right to choose your card. Place the watch near the reader to pay.

Pay in apps

To set purchases within apps on your iPhone or iPad, Select Apple Pay at the time of payment and Place your finger on Touch ID.

Consult your transaction history

When displaying the data relating to a wallet card, the last transaction made with it is indicated.

To consult the last 10 transactions. Select the card concerned, then the icon .

This history has only an indicative value (2) . Always refer to your operating bank statement (or by connecting to your online banking services) to follow your transactions and the adjusted amounts.

(1) In the Apple Store and in certain stores, the amount accepted can go beyond the limit of € 300.
(2) Some transactions may appear by asserting different amounts of the real amounts. This is a consequence of the authorization processing carried out with your bank. Only your statement of account is proof.