Digital wallets and the popularity of mobile payment
How to pay with Apple Pay
Despite its rapid adoption during the pandemic, setting up and using mobile payments has a learning curve, especially for older consumers. A first step is to charge the credit and debit cards you want to use for payment, and then familiarize yourself with the tap-and-pay dance. Toplin says young users are teaching parents and grandparents how to set up contactless payments.
In general, when getting ready to pay, look for the wavy contactless payment symbols on the payment terminal and / or the logos for Apple Pay and Google Pay, which sometimes appear as G Pay.
To pay with an iPhone with Face ID, double-click the side button and hold your phone near a compatible contactless reader, assuming you want to use the card you’ve set as default. Otherwise, tap the default card in the app and choose another card you want to use. You will see a check mark circled and the word Completed when a transaction is complete.
The process is similar on an iPhone with Touch ID, except you place your finger on the Touch ID fingerprint sensor.
If you’re using an Apple Watch to pay, double-click the side button, which will open your card by default, and hold the watch screen near the contactless reader.
How to pay with Google Pay
To use Google Pay, unlock your device (Android methods vary) and hold the key near the reader for a few seconds. A blue check mark confirms that the transaction has been completed.
Along with Apple’s Android and iOS software, you can also use a variety of third-party peer-to-peer applications, including PayPal, Square’s Cash app, and Venmo, to exchange money with family and friends.
Keep in mind that these apps operate by different rules and don’t have the same protections and remedies you get with a credit card. Treat them like cash transactions and make sure the person you are paying is who they say they are. As a safety measure, Google says that if Google Pay doesn’t recognize someone who has asked you for money, you’ll see an alert to make sure you know the person before sending the loot. Apple will display a similar warning with its own peer-to-peer Apple Cash option.
Your physical wallet may not be ready to retire just yet, but even minimalists probably carry both a wallet and a device, more than they did in the days of Seinfeld.
“The real question is [this]: Are you comfortable enough to leave the house without your phone? Asks Natalie Lingo Kerris, 56, a brand marketing consultant and former Apple public relations manager.
Edward C. Baig is a contributing writer who covers technology and other consumer-related topics. He previously worked for USA Today, BusinessWeek, US News & World Report and Fortune and is the author of Mac for Dummies and co-author of iPhone for Dummies and iPad for dummies.