APPLE PAY NEWS

Apple Pay has revolutionized the way we make payments, evolving from a convenient alternative to physical cards into a dominant force in the mobile payment landscape.From its initial launch to its current state, Apple Pay has constantly innovated, offering users a seamless and secure payment experience.However, this success hasn't been without its challenges. The most popular apps covered by the rule collectively process more than 13 billion consumer payments a year, the CFPB said.Antitrust concerns in the US and EU have put Apple's NFC chip and payment system under scrutiny, leading to significant changes on the horizon.As we celebrate Apple Pay's 10th anniversary, the company is poised to introduce a wave of new features that will further integrate financing, rewards, and buy now, pay later (BNPL) options directly into the iPhone, enhancing the user experience when shopping online and in apps. But every option was brokered by Apple, and the only tap-to-pay option was through Apple Pay. In a press release today, Apple says that will soon change. Starting with iOS 18.1This article dives deep into the latest Apple Pay news, exploring the upcoming features, addressing the ongoing challenges, and providing you with a comprehensive understanding of what to expect from Apple Pay in the future. Until now, Apple Pay and Apple Wallet have had exclusive access to many features of the iPhone s NFC chip, but that will change with iOS 18.1. Jay Peters is a news editor covering technologyWe'll cover everything from new financing options and expanded accessibility to security enhancements and compliance adjustments. Learn about Support for third-party browsers, Tap to Pay on iPhone, order tracking, merchant tokens, and more.Get ready to explore the next chapter of Apple Pay.

Expanding Apple Pay Functionality: New Features and Integrations

Apple is consistently working to enhance the Apple Pay experience, introducing new features and integrations that offer users greater flexibility and convenience. Looking ahead at what s next for Apple Pay, we are excited to now bring our users more ways to pay, including the option to redeem rewards and access installment loans from Apple Pay-enabled issuers and lenders right at checkout with Apple Pay online and in-app on iPhone and iPad.Let's explore some of the most anticipated updates.

Installment Loans and Financing Options

One of the most exciting developments is the deeper integration of financing options directly into Apple Pay.Imagine being able to access installment loans right at checkout, directly from your iPhone or iPad. Apple Pay has been hugely successful but has been the focus of antitrust complaints in the US and EU. Now, Apple is opening up its NFC chip and payment systems.This is becoming a reality with the introduction of installment loan options from Apple Pay-enabled issuers and lenders. The latest announcement from Apple about updates to Apple Pay Wallet terms has caught the attention of users worldwide. From security enhancements to compliance adjustments, the company is refining its digital wallet experience to align with evolving technological and regulatory landscapes.For example, with iOS 18, eligible users in the U.S. can access installment loan options from Affirm, and in the UK, from Monzo Flex. Apple agrees to pay $95 million to settle Siri eavesdropping claims . Consumers who own a Siri-enabled device including iPhones, MacBooks and AppleTVs may be eligible to file aThis allows users to spread out the cost of purchases over time, making larger items more accessible.

This integration benefits both consumers and lenders. Apple's new mobile payment system, Apple Pay, is under threat from criminals. Banks report rampant fraud linked to the 5-month-old service used by millions of Americans to make purchases.Consumers gain access to convenient financing options directly within their trusted Apple Pay environment, while lenders can reach a vast user base and streamline the loan application process.Apple acts as a facilitator, connecting users with these financing options through its Wallet app.

Rewards and Loyalty Programs

Apple is also focusing on integrating rewards and loyalty programs more seamlessly into Apple Pay.Imagine automatically redeeming rewards points when making a purchase with Apple Pay, without having to manually enter codes or scan separate cards. Apple Payments Services LLC, a subsidiary of Apple Inc, is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. If you reside in the U.S. territories, please call Goldman Sachs at with questions about Apple Card.This enhanced integration would simplify the rewards process, making it easier for users to take advantage of their loyalty benefits. All the latest breaking news on apple pay. Browse Newsweek archives of photos, videos and articles on apple pay.This is a significant step towards creating a more integrated and rewarding shopping experience.

Tap to Pay on iPhone: Empowering Merchants

Apple is breaking down barriers for small businesses and large retailers alike with the introduction of Tap to Pay on iPhone.This innovative feature, launching with iOS 18.1, allows merchants to accept Apple Pay, contactless credit and debit cards, and other digital wallets simply by tapping their iPhone – no additional hardware required. Since Apple Pay is accepted by over 85 percent of retailers in the U.S, there s almost no end to where and how you can shop with your Apple Cash card whether you re in a store, online, or in an app. And for merchants that don t take Apple Pay yet, you can use your virtual card number securely online and in apps anywhere Visa is accepted.This eliminates the need for expensive card readers and simplifies the payment process for both merchants and customers.

Tap to Pay on iPhone is particularly beneficial for small businesses, pop-up shops, and mobile vendors who may not have had access to traditional payment infrastructure. Apple Pay is the dominant mobile payments solution, even forcing its biggest potential competitor to shutdown, and as the service continues to expand, it will only get better. View the fullIt also promotes a more hygienic and contactless payment experience, which is increasingly important in today's world.This feature promises to democratize access to digital payments and further expand the reach of Apple Pay.

Order Tracking and Merchant Tokens

Beyond payment processing, Apple is enhancing the overall shopping experience with features like order tracking and merchant tokens. CUPERTINO, CALIFORNIA Apple today announced plans to introduce Tap to Pay on iPhone. The new capability will empower millions of merchants across the US, from small businesses to large retailers, to use their iPhone to seamlessly and securely accept Apple Pay, contactless credit and debit cards, and other digital wallets through a simple tap to their iPhone no additional hardware orOrder tracking allows users to easily monitor the status of their purchases directly within the Wallet app, providing real-time updates on shipment progress. The European Commission first raised objections against Apple s tap-to-pay practices in 2025, having opened a formal antitrust investigation into Apple Pay two years earlier.Merchant tokens enhance security by replacing sensitive card details with a unique token, reducing the risk of fraud.

Addressing Antitrust Concerns and Opening Up the NFC Chip

Apple Pay's dominance in the mobile payment space has drawn scrutiny from regulatory bodies like the European Commission and the US Department of Justice. All news articles about Apple Pay can be found on this page. Latest Apple Pay News. Apple Pay. Mother s day deal appears on Apple Pay.The primary concern revolves around Apple's control over the NFC chip in iPhones, which has historically been restricted to Apple Pay.This exclusivity has been seen as anti-competitive, potentially stifling innovation and limiting consumer choice.

The EU Antitrust Investigation

The European Commission first raised objections to Apple’s tap-to-pay practices in 2025, having opened a formal antitrust investigation into Apple Pay two years prior.The investigation focused on whether Apple was unfairly limiting access to the NFC chip, preventing competing mobile payment services from offering tap-to-pay functionality on iPhones.

Opening Up the NFC Chip with iOS 18.1

In response to these concerns, Apple has announced plans to open up its NFC chip to third-party payment services starting with iOS 18.1. Enable Apple Pay on your website for every browser 1 on Mac, PC, and beyond. Customers can now easily initiate Apple Pay from any computer and securely complete payment on their iPhone by scanning a code. Simply add the Apple Pay JS SDK to your existing Apple Pay integration to extend support to more browsers and devices. Learn moreThis means that other payment providers will be able to develop their own tap-to-pay solutions for iPhones, giving consumers more choice and fostering greater competition in the mobile payment market. It says your Apple iCloud ID was recently used at an Apple Store in California for $143.85. It goes on to say a suspicious sign in request and Apple Pay activation request was detected.This is a major shift in Apple's approach and could have significant implications for the future of mobile payments.

Impact on Competition and Innovation

Opening up the NFC chip is expected to have a positive impact on competition and innovation in the mobile payment space.It will allow other payment providers to offer competitive services on iPhones, potentially leading to lower fees, better features, and more choice for consumers.It could also encourage innovation in areas such as loyalty programs, rewards, and alternative payment methods.The long-term effects of this change remain to be seen, but it is a significant step towards a more open and competitive mobile payment ecosystem.

Security and Privacy Enhancements

Security and privacy are paramount when it comes to mobile payments.Apple has consistently emphasized these aspects of Apple Pay, implementing various measures to protect user data and prevent fraud.

Tokenization and Encryption

Apple Pay uses tokenization to protect sensitive card information.When you add a card to Apple Pay, your card number is replaced with a unique device-specific token that is stored securely on your device. In 2025, buy now, pay later loans totaled $24 billion, up from $2 billion in 2025, according to a CFPB report.The popular payment option has become ubiquitous in stores and online, but manyThis token is used for all subsequent transactions, so your actual card number is never shared with merchants.In addition, all Apple Pay transactions are encrypted to protect your data during transmission.

Fraud Prevention Measures

Apple employs various fraud prevention measures to detect and prevent fraudulent transactions.These include monitoring transactions for suspicious activity, requiring authentication for certain purchases (e.g., using Face ID or Touch ID), and providing users with tools to report fraudulent activity. Find the latest Apple Pay news from WIRED. See related science and technology articles, photos, slideshows and videos.However, it's important to stay vigilant and be aware of potential scams.Some users have reported receiving fraudulent messages claiming suspicious activity on their Apple Pay accounts.Always verify the legitimacy of any communication before providing personal information or taking any action.

Staying Vigilant Against Scams

While Apple implements robust security measures, users must also be proactive in protecting themselves from scams.Be wary of phishing emails or text messages that attempt to trick you into providing your Apple ID, password, or other sensitive information. Apple announced the news in a statement to 9to5Mac: Starting later this year, users across the globe will be able to access installment loans offered through credit and debit cards, as well asAlways access your Apple account directly through the Settings app or the Apple website, and never click on links in suspicious emails or text messages. Apple Inc. plans to add several new features to Apple Pay and Apple Wallet later this year that will more deeply integrate financing, rewards, and buy now, pay later options into the iPhone when consumers shop on their phones.If you receive a suspicious notification about Apple Pay activity, contact Apple Support directly to verify its authenticity.In Hungary, some users have reported unexpected charges from Apple Pay. Apple s answer to buy-now-pay-later (BNPL) services was a clever one. Like the Apple Card and Apple Cash, the entire experience was integrated into the iPhone s Wallet app, allowing customersIf you notice any unauthorized transactions, immediately contact your bank and Apple Support.

Apple Pay and the Future of Mobile Payments

Apple Pay is undoubtedly a major player in the mobile payment revolution, and its influence is only set to grow in the coming years.With its widespread adoption, innovative features, and commitment to security, Apple Pay is shaping the future of how we pay for goods and services.

Dominance in the Mobile Payment Landscape

Apple Pay has become the dominant mobile payment solution, accepted by over 85 percent of retailers in the U.S. Apple users experienced problems with a range of the company's payment features on Friday.Its ease of use, security features, and integration with the Apple ecosystem have contributed to its popularity among consumers.Apple Pay has even pushed competitors to adapt or, in some cases, shut down, highlighting its significant impact on the market.

The Rise of Mobile-First Alternatives

Apple Pay is part of a broader trend towards mobile-first payment alternatives.As more shoppers embrace smartphones and mobile devices, they are increasingly looking for faster, more convenient ways to pay. Apple Pay is now the fifth most widely available online payment option as more shoppers ditch traditional checkout forms for faster, mobile-first alternatives.Apple Pay caters to this demand by offering a seamless and secure mobile payment experience. T bb olvas nk jelezte, hogy valami probl ma van az Apple Payjel: t megesen von le p nzeket. Volt olyan olvas nk, akitől k tszer 990, majd m g egyszer 2025 forintot vett le a rendszer.According to recent data, Apple Pay is now the fifth most widely available online payment option, demonstrating its growing acceptance among merchants and consumers alike.

Expanding Accessibility and Browser Support

Apple is working to expand the accessibility of Apple Pay across different browsers and platforms. Apple Pay is malfunctioning in Hungary, according to reports from several Hungarian news sites.Apple device owners are seeing surprise, unexpected charges without making purchases. Some users areBy integrating the Apple Pay JS SDK, developers can enable Apple Pay on their websites for users on Mac, PC, and other devices. If you've implemented Apple Pay using the W3C API instead of Apple Pay JS, keep in mind that not all browsers support the Payment Request API. Finally, you should either use the existing canMakePayments() API or the new paymentCredentialStatus object from the Apple Pay capabilities API to determine when and where to display the Apple Pay button.This allows customers to initiate Apple Pay from any computer and securely complete payment on their iPhone by scanning a code. Apple made the announcement as it marked the 10th anniversary of Apple Pay. With iOS 18, eligible users can now access installment loan options from Affirm in the U.S. and from Monzo Flex in the UHowever, it's important to note that if you've implemented Apple Pay using the W3C API instead of Apple Pay JS, not all browsers may support the Payment Request API.

Apple Pay and Apple Card: A Synergistic Ecosystem

Apple Pay is intricately linked with other Apple financial products, particularly the Apple Card and Apple Cash.These products work together to create a cohesive and rewarding financial ecosystem for Apple users.

Apple Card and Apple Cash Integration

The Apple Card, issued by Goldman Sachs, offers seamless integration with Apple Pay.Users can easily add their Apple Card to Apple Pay and earn Daily Cash back on purchases made with Apple Pay.Apple Cash, a digital debit card stored in the Wallet app, can also be used with Apple Pay for purchases in stores, online, and in apps.This integration allows users to manage their finances and rewards within the familiar Apple ecosystem.

Buy Now, Pay Later (BNPL) Integration

Apple's entry into the Buy Now, Pay Later (BNPL) market has further enhanced the Apple Pay ecosystem.Apple's BNPL solution, integrated directly into the Wallet app, allows customers to split purchases into installments, providing a convenient and flexible way to manage their spending.This feature, like the Apple Card and Apple Cash, leverages the seamless integration within the iPhone to offer a user-friendly experience.

Navigating Apple Pay Issues and Support

While Apple Pay generally provides a smooth and reliable payment experience, users may occasionally encounter issues or require support.Understanding how to troubleshoot common problems and access help resources can ensure a seamless Apple Pay experience.

Troubleshooting Common Problems

Some common Apple Pay issues include transaction failures, card verification problems, and unexpected charges.If you experience a transaction failure, try again later or contact your bank to ensure there are no issues with your card.If you have trouble verifying your card, double-check the information you entered and ensure that your bank supports Apple Pay.If you notice any unexpected charges, immediately contact your bank and Apple Support to report the fraudulent activity.

Accessing Apple Pay Support

Apple offers various support resources for Apple Pay users.You can find helpful information and troubleshooting tips on the Apple Support website or in the Apple Support app.You can also contact Apple Support directly via phone, chat, or email.Be prepared to provide details about the issue you are experiencing, as well as your Apple ID and card information (if applicable).

Addressing Concerns about Siri Eavesdropping

It's worth noting that Apple recently agreed to pay $95 million to settle Siri eavesdropping claims.While not directly related to Apple Pay transactions, this highlights the importance of privacy and data security.Consumers who own a Siri-enabled device, including iPhones, MacBooks, and AppleTVs, may be eligible to file a claim as part of the settlement.

Conclusion: The Future of Apple Pay is Bright

In conclusion, the Apple Pay news landscape is dynamic and exciting.From expanding functionality with installment loans and enhanced rewards programs to addressing antitrust concerns by opening up the NFC chip, Apple is constantly evolving its mobile payment solution.The integration of Tap to Pay on iPhone empowers merchants of all sizes, while security enhancements protect users from fraud. Apple Pay continues to dominate the mobile payment landscape, shaping the future of how we transact.Key takeaways include:

• Expanded Functionality: Expect deeper integration of financing options, rewards programs, and BNPL services.
• Increased Accessibility: Tap to Pay on iPhone empowers merchants, and expanded browser support makes Apple Pay more accessible.
• Enhanced Security: Tokenization, encryption, and fraud prevention measures protect user data.
• Addressing Antitrust Concerns: Opening up the NFC chip promotes competition and innovation.
• Evolving Ecosystem: Apple Pay is seamlessly integrated with Apple Card, Apple Cash, and other Apple services.

Stay informed about the latest Apple Pay news and updates to maximize the benefits of this innovative mobile payment solution.By understanding the new features, security measures, and evolving landscape, you can confidently embrace the future of payments with Apple Pay.Don't forget to keep an eye out for iOS 18.1 for the tap to pay function and continue to remain diligent against online fraud.Embrace the ease and safety of Apple Pay for a seamless payment experience.