How can I use NFC and Apple Wallet together?
How payment with Apple Pay and the Apple Wallet works is sometimes not entirely clear. This article provides an overview of the Apple payment system.
You don't need to do anything else for this. NFC is already integrated into the iPhone's payment system. This is because the "Apple Pay" function is based on NFC technology. Apple Pay in turn uses the bank cards stored in the Apple Wallet.
Apple Wallet is an app for storing credit and bank cards - comparable to a digital wallet. It stores all your bank cards digitally and in a bundle. Apple Pay is also required so that these cards can also be used.
Apple Pay has access to the cards in the wallet and can be used for payments both online and offline in shops. Apple Pay is available for iPhones, iPads, MacBooks and Apple Watches. However, payment via NFC is only supported with the iPhone or Apple Watch. The reason for this is that both devices have an NFC interface.
Contactless payment is made by simply holding the smartphone or smart watch up to the payment terminal. This activates the NFC function and the data is exchanged via NFC using Apple Pay.
To understand how the Apple Pay payment system uses NFC technology, it needs to be explained in more detail.
"Apple Wallet is an app that is only available on iPhones and Apple Watches. It is only responsible for storing and saving digital objects such as credit and debit cards. As the name suggests, it is treated as a digital wallet. However, the wallet alone cannot be used to make payments.
Apple Pay is ultimately responsible for payments. The payment system is available on the following Apple devices: iPhones, iPads, MacBooks and Apple Watches. Apple Pay can be used to pay both online on websites and offline in shops.
To make contactless payments in a shop, Apple Pay requires access to the Apple Wallet in which the bank cards are stored. Apple Pay requires NFC for contactless payments in shops. Contactless payments are only possible with iPhones or Apple Watches. The reason for this is that they have an NFC interface. This means that an NFC chip and an antenna are built into them.
NFC is a technology for exchanging small amounts of data. The special thing about it is that it only works over short distances. This short distance makes it perfect for exchanging sensitive data. Apple Wallet does not work directly with NFC. Instead, the technology interacts with the Apple Pay payment system.
The interaction therefore works as follows: The Apple Pay system manages the payment process. To do this, it uses the Apple Wallet app to gain access to account information. Apple Pay uses NFC technology to send the necessary information to the payment terminal. This is because NFC allows data to be transmitted over short distances.
To finalise the payment, the payment process must be confirmed using either Face ID, Touch ID or a password. This makes it easy to pay.
First published: 16.01.2024 / Updated: 16.01.2024 2024-01-16 2024-01-16