How to use mobile payment services on your smartphone or smartwatch

More and more shops and restaurants are accepting payments contactless, so there is no better time than now to set up a mobile payment service in your smartphone or smartwatch so you can use it to pay.

Today, a wireless payment service is more useful than ever. Not only will it allow you to go shopping without worrying about carrying your wallet, but it will also allow you to take extreme security measures and prevent the spread of the coronavirus.

All you will need is a device compatible with Apple Pay, Google Pay or Samsung Pay, the three most important mobile payment services of the moment. You can use them on your iPhone and Apple Watch or on your smartphone Y tablet Samsung or Android.

If you are concerned about the security of your bank details, you should know that paying with your mobile or smart watch is much more secure than with your card, since the establishment where you pay will not have access to any information from your bank account.

How to use Apple Pay

How to use Apple Pay on iPhone?

Apple Pay works on both iPhone and Apple Watch and can also be used online on select iPad and MacBook models. Assuming you want to use it on your iPhone, you should make sure you have one of these models:

  • iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max
  • iPhone X, iPhone XR, iPhone XS, iPhone XS Max
  • iPhone 8, iPhone 8 Plus
  • iPhone 7, iPhone 7 Plus
  • iPhone 6s, iPhone 6s Plus
  • iPhone 6, iPhone 6 Plus
  • iPhone SE

You will also need to make sure that your bank offers Apple Pay compatibility. Most do it (among them: BBVA, CaixaBank, Santander, Ibercaja, Bankia and Unicaja), but it is not superfluous to check it in the apple website.

With a compatible iPhone and bank, you can now add your credit or debit card to your Apple Pay account. To do this, you must open the Wallet app, tap on the + icon and follow the instructions on the screen.

You should wait for your bank to process the information (it won't take long). When you receive a verification email or text message, you must enter the verification code and you will see how your card already appears in the Wallet app.

How to use Apple Pay in stores?

Paying with your cell phone is very easy, but you must first make sure that the establishment has the service. Some stores limit the maximum amount of payments contactless, but most will let you do it (you may have to enter your PIN number).

Depending on the iPhone model you have, you must use your Touch ID or Face ID to activate Apple Pay, but the process is similar. With Touch ID, you must place your mobile on the reader, wait for the card to appear and authenticate the action with your fingerprint.

In the case of using Face ID, you must first double-tap the side button and look at the screen until the message appears that tells you to bring the phone closer to the reader. Do it and you will see how little it takes to complete the payment.

How to use Apple Pay on Apple Watch?

If you want to use your Apple Watch to make payments, you must follow a process similar to the previous one. Thus, you must add the card or cards that you want to associate with your Apple Pay smartwatch also from your iPhone.

Open the Apple Watch app on your iPhone and tap on the My Watch tab. Then select Wallet and Apple Pay and follow the on-screen instructions to activate the service. You will also need to enter a verification code.

Now you can use your Apple Watch to pay even when you have left your iPhone at home. When you go to pay, double tap the side button of your watch, choose the card you want to pay with and bring the Watch closer to the reader contactless.

How to use Google Pay

How to use Google Pay on your Android?

Google Pay is what Android Pay and Google Wallet were called before. Both have come together to form a new service that can be used on compatible Android phones. That is, you will need an Android compatible with NFC.

If you don't know if you smartphone It has that function, you can check it on the manufacturer's website, in the instruction manual that came with the box when you bought it or simply in the Settings section of your mobile (an NFC option should appear).

Make sure that this option is activated and you can start configuring it. You must have the Google Pay app installed on your smartphone (If it does not come from the factory, you can download it in the Play store) and hit the button to start.

Choose the credit or debit card you want to use (or a PayPal account). Then you can use your mobile camera to scan your card so you don't have to enter your bank details manually.

Then, your bank must verify the request and verify that you are the owner of the card you want to use. This is usually done through a text message that you will receive instantly. Once confirmed, you can start using the service.

How to use Google Pay in stores?

Once you have configured the application, you will see how easy it is also to start using your mobile as a payment method contactless. You should make sure that the establishment offers compatibility with Google Pay.

If so, grab your mobile, unlock it and bring it to the reader contactless. When you hear a beep, that means your payment has been completed. If you have more than one card configured, you must select one of them if you do not want to use the default one.

How to use Google Pay on your smartwatch?

Those who have a smartwatch with Android Wear, like the Fossil Q Explorist, then you can also use it to make payments contactless. If your watch comes with the Google Pay app installed, it means you have a compatible model.

To configure Google Pay, you must add your bank card (in this case, PayPal does not work). Open the Google Pay app and start the process. You must follow the instructions on the screen and in a matter of minutes you will have everything ready.

Once you have finished this process, you can go shopping with your smartwatch Android. When you go to make a payment, simply open the Google Pay app on your watch and close it to the reader contactless. You should wait to notice a small vibration.

How to use Samsung Pay

If you have a relatively new Samsung mobile, then you should be able to use Samsung Pay to make payments if you prefer it to Google Pay. The configuration process is practically the same, but in this case you will need the app Samsung pay.

Open the app, log in to your Samsung account, follow the instructions on the screen and add the information of the credit or debit card (BBVA, CaixaBank, Santander, Banc Sabadell, Bankia …) that you want to use to pay with your mobile.

Once setup is complete, you can now use this service to pay at any compatible store. You must open the app, verify your identity, bring the phone closer to the reader contactless and wait for the transaction to complete.

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