© Apple
Discreetly announced by press release, Tap to pay on iPhone is nevertheless a major innovation in your daily life. From now on, shopping in store will no longer be like any other.We'll explain why in 4 questions.
What is Tap to Pay on iPhone?
« With Tap to Pay on iPhone , merchants can enable contactless payment acceptance through a supported iOS app on an iPhone XS (or later) running the latest version of iOS,” Apple explains in its press release. .
Concretely, merchants can offer customers to pay on an iPhone. For you, the payment doesn't change: you hold your card, iPhone or Apple Watch close to the merchant's compatible iPhone, and that's it. All only contactless via NFC technology.
The advantage of Tap to Pay is therefore to be able to pay anywhere, including in the most remote places. All that is required is that the NFC communication takes place between the means of payment and the merchant's iPhone. No need for a payment terminal anymore.
In which stores does Tap to pay work on iPhone?
In all stores where the merchant has an iPhone. The only condition is that the company is based in France and has a bank account in a partner bank.
< p>The merchant must, however, have at least an iPhone XS or later model with the latest version of iOS installed as well as the application to support payments. And that’s it.
“Tap to Pay on iPhone has revolutionized the way consumers and businesses view mobile payments in the US, UK and Netherlands,” says Virginie Melaine-Christensen, Director General Director of Adyen France. “In addition, we saw how Tap to Pay on iPhone allows merchants to accept payments anywhere, without the need for additional hardware. We are very proud to introduce this revolutionary feature to France through French fashion brand Sézane.”
Brands like Christian Dior Couture (LVMH) , Dyson, Rituals and therefore Sézane have already adopted this payment method.
Which banks are compatible with Tap to pay on iPhone?
For the moment , Tap to pay on iPhone is available to a handful of partners. Among the first, the BPCE group (Banque Populaire – Caisse d'Epargne). “The support for this service demonstrates our desire to integrate value-creating technological developments, and perfectly complements the offering of in-store and online payment solutions offered to merchant customers of Banque Populaire and the Caisse d’Epargne” welcomes Yves Tyrone, Managing Director Digital & Group payments.
BPCE is not Apple's only partner to date. Ayden, myPOSn SumUp, Viva Wallet, Worldline and Revolut are already compatible. BNP Paribas, Crédit Coopératif, Market Pay, Stancer and Stripe will soon join them.
On the bank card side, American Express, Discover, Mastercard and Visa are also ready for the deployment of Tap to pay on iPhone.
What about security?
Always concerned about the security of user data, Apple had to wait to obtain validation from financial organizations to deploy its technology in France. Thus “Customer payment data is protected by the same technology that ensures the confidentiality and security of Apple Pay” explains Apple. And added:
All transactions made via Tap to Pay on iPhone are encrypted and processed using the Secure Element, and as with Apple Pay, Apple has no information about what is purchased or who made the purchase.
Tap to pay on iPhone is available now.