With the release of iOS 8.1, Apple Pay has arrived on the iPhone 6 and 6 Plus. Apple Pay, which lets your phone act as your credit and debit cards, is part of the operating system itself, made visible through the Passbook app. It works a lot like Google Wallet, using a near-field communication (NFC) chip hidden inside the phone to initiate a payment with a special receiver that you can find at some checkout counters. The receiver looks like a teacup saucer-sized disc attached to the top of some credit card swiping machines. Unlike Google Wallet, which uses PIN protection, Apple Pay authenticates your transaction with a fingerprint scan on the home button. In some cases with Apple Pay, you have to both scan your fingerprint and enter a PIN into the card reader (as was the case when I made a recent purchase with a PIN-protected debit card). Before you can use Apple Pay, you'll have to set it up on your phone, and make sure you know which card is the default for purchases. You'll also need to be sure your credit card works with Apple Pay, as not all banks are supported. I'll explain below how to determine the cards that will work. Read more http://www.pcmag.com/article2/0,2817,2470782,00.asp
