Before going into this topic in digital commerce, you will need to know that Apple Play is a mobile payment service that has been created by Apple and that it has many applications and functions. Among them, the fact that use virtual card numbers with a double objective, on the one hand by increasing the privacy of the user and on the other hand, reducing the possibilities of fraud that can occur in non-conventional means of payment.
In any case, it is a digital tool that is at your disposal so that you can carry out transactions in shops and online stores. And that is distinguished, because its movements are not formalized with the real card number, but on the contrary it is with a fictitious one. It is, in short, an emerging payment method that can be used for your customers or users to pay for their purchases without any incident.
Really, the launch of this mobile payment service can be very useful for your online business line. Because it is also a very useful way to avoid banks and that the charges can be made exempt from payment and other expenses in their management or maintenance. A more than overwhelming reason that can bring many advantages, both to your digital company and to the clients themselves
Apple Pay in your eCommerce: what are its advantages?
The time has come for you to know the benefits that the use of this digital payment method can bring in commercial transactions within your business. Among which are those that we are going to briefly expose below.
Convenient and fast payment system
There is no doubt that Apple Pay is a means of payment with these characteristics. Because it only requires correctly installing the service in the terminal and verifying the ownership of the card with the bank. It is that simple and that it can materialize automatically from the precise moment of its capture.
But there is another characteristic that defines this innovative system and that is that at the time of making the payment of digital purchases you do not have to show any document (ID, passport, bank papers, etc.) If not, on the contrary, only with fingerprint and the operation will be ready.
Its high security
The fact that the verification is carried out with the customers' fingerprints is a first sign of its strong security. The reason is because no one will impersonate its holders and therefore is less exposed to fraud or incidents of some importance in its use. Like the number linked to the debit or credit card, it remains fully encrypted. To the point that not even from Apple will be able to access content as sensitive as this.
Widespread use in the digital sector
One of its great benefits is that its implementation is already practically widespread in the digital sector. Where you cannot forget that there are already many online stores where you can already pay with mobile devices and everything indicates that in the next few operations will skyrocket through this commercial strategy. Without the need to carry cash to buy sportswear, technological designs or any other line of business that is developed through the network.
Application of Apple Pay in digital commerce
But there are many other contributions that can improve the application of this medium in electronic commerce or trademark. Among them, the fact that you can be a lot more open to customer needs. To the point that they will have many more resources to send you the payments for online purchases. How many times have they stopped carrying out a monetary operation simply because they did not have this innovative means of payment? So that the last victim of this action will have been yourself when neutralizing some purchases from your virtual store.
Of course, accepting Apple Pay is a lot faster than accepting credit or debit cards traditional or other payment methods. Customers will no longer have to waste time searching for their wallet and pulling out the right card. Customers can make purchases with just one touch1 in apps or on certain websites. In this way, the benefits that they can generate are the following that we expose you:
- Being more open to new forms of payment and therefore can affect the billing of your small or medium digital company.
- You will receive the money in a little space of time and what is most interesting for your interests: without commissions or other expenses in its management or maintenance, as it happens in other systems with similar characteristics.
- You will not have excessive problems in your application if you follow the correct guidelines for action since you will only be required to follow them step by step.
- It is an advantage that you grant to your clients so that they can formalize purchases since in recent years it is being imposed in online payment in the younger segments of the population.
- On the other hand, do not forget that when your customers make the monetary charge with Apple Pay, You do not receive the customer's credit or debit card number, so you will not have to handle these numbers in your system.
Apple Pay works most credit and debit cards: Visa, Mastercard, American Express, Discover, Interac, eftpos, China Union Pay, Suica, iD and QUICPay networks, and with most issuers and payment providers.
How do you use this application?
Do you want to know how to pay with this digital application? Well, show a little attention because this information may interest you:
To pay in establishments
We can use Apple Pay to pay in stores, as long as you accept payments with contactless technology. To make these payments we can use iPhone or Apple Watch:
Payments via iPhone
We must put our finger on Touch ID and bring the phone closer to the reader until the accepted message appears. Through this form, the payment will be made with the card that we have predetermined. To change it, we must bring the smartphone without pressing the Touch ID, so that it will allow us to select with which card we will make the purchase.
Payments via Apple Watch
You have to press the side button twice and bring the screen of the device closer to the reader until you feel a slight pulsation. To select the card with which we will pay, we will only have to swipe to the right until the one that interests us appears. We must bear in mind that the terminal may ask us if we will make the payment on credit or debit. We must select the credit option whenever we want to pay with Apple Pay.
To pay on web pages
If you want to make payments with this technological application in online stores, of course you can do it with great ease. Not in vain, this process can be done from the search engine with all Apple devices. In any of the cases, you must bear in mind that the formalization of this process will be practically the same as for payments in mobile applications.
Could you be charged with fraud in Apple Pay transactions?
In stores, Apple Pay transactions are treated exactly the same as transactions made with a debit, credit card, Suica or usual prepaid. The same liability rules will apply to Apple Pay transactions.
In apps and websites,1 Apple Pay transactions may be treated more favorably than regular plastic card transactions. The responsibility for the transactions may pass to the issuer. Contact your payment provider to learn more about how you can take advantage of the liability change for payments with Apple Pay on your app and website.
Do they need to sign a receipt or enter a PIN code?
In stores in certain countries and regions, if when a customer pays with Apple Pay the transaction exceeds a previously established amount, they may have to enter their PIN code. In some cases, you may need to sign a receipt or use another payment method.
Apple Cash does not need a PIN, as all purchases are authenticated using Face ID, Touch ID, or a secure code. Some terminals may still require a PIN to complete any debit transaction. If prompted, instruct customers to enter a four-digit code, such as 0000.
How are returns processed with Apple Pay?
With the device account number, find the purchase and process the return exactly as you would with a traditional credit, debit, Suica or prepaid card payment. In Japan, you can also use the transaction ID on the receipt to find the purchase and process the return.