Apple Pay is finally enabled in Malaysia. With this, Malaysia will become the second market in Southeast Asia to have Apple Pay enabled – with the first being Singapore in 2016. Apple Pay allows users to make contactless card payments using iPhone, Apple Watch, iPad and even Mac.
To date, there are a few merchants that accept Apple Pay such as KFC, Machines, McDonald’s, Pizza Hut, Starbucks, Uniqlo, Village Grocers and many more. Besides, a few apps and websites including Shopee, Sephora, Atome and Adidas also offer customers the ability to pay using Apple Pay.
Currently, only customers with Visa and Mastercard cards from these banks – AmBank, Maybank and Standard Chartered Bank can enjoy using this new Apple Pay feature. However, it is said that Apple will add more banks later this year.
How to link your payment card to Apple Pay
If you wish to add your payment cards manually through your iPhone, you can follow these steps:
- Launch your Wallet app, and tap on the + sign on the top right corner
- Select “Debit or credit card”
- Key in your card details
- Verify your card either through OTP or a phone call
Once you have completed the verification process, you can immediately use the linked card for payment. The linked card will be stored in your Apple Wallet.
How To Use Apple Pay
It’s simple and easy, once your cards are linked, you can immediately use Apple Pay to perform transactions. Simply tap your iPhone or Apple Watch on NFC-enabled payment terminals that accept Visa PayWave or Mastercard PayPass transactions.
Bear in mind that you will need to verify your identity with Face or Touch ID each time you wish to perform any transactions. Simply tap on the payment terminal and you’re ready to go!
Apple Pay can also be used for online payments on supported apps and websites. You are just required to change your payment option to Apple Pay during the checkout process.
Is it safe to use Apple Pay?
Every Apple Pay purchase is authenticated with Face ID, Touch ID or a device passcode – as well as a one-time unique dynamic security code. Based on the explanation, credit and debit card numbers are not stored on devices or on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element on the users’ device. Each transaction is authorised with a one-time unique dynamic security code.
As a safeguard, Apple does not retain transaction information that can be tied back to the customers. Meaning, that transactions stay between the customer, the merchant or developer, and the bank or card issuer.
If you’re worried people might use your Apple Pay without your permission once your iPhone is lost or stolen, you can lock or suspend payments from the device.
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