Wells Fargo and Apple Pay: Will I Be Able to Use My Credit Card?

Lindsay KonskoOctober 20, 2014
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Apple Pay debuted in 2014 and has since gained wide acceptance and become compatible with most major credit card issuers, including Wells Fargo. For updated information, see our story on how Apple Pay and other digital wallets work.

The moment that Apple fans have been waiting for is here: the release of Apple Pay. But you might be wondering if the service will accept your payment methods, particularly your Wells Fargo credit card.

When the mobile payment system comes online in October 2014, you can count on being able to use your card with just a touch — if you have an iPhone 6 or iPhone 6 Plus, of course. Let’s take a closer look at how it works.

About Apple Pay

When Apple Pay was announced at the company’s big unveiling event on Sept. 9, 2014, most folks in the technology world reacted with excitement, but not surprise. The mobile payment service was hotly anticipated, and now that it’s finally coming online, many expect it to change the way we pay forever.

If you’re not familiar with how Apple Pay works, it’s fairly straightforward: First, you’ll load your payment and store loyalty cards into the Passbook application. This involves taking a picture of each of your cards and uploading it to the app. If you typically use one card to pay for most of your purchases, you can select it as the default when you put its information into Passbook.

Then, if you’re shopping in a store that supports Apple Pay, you’ll hold your iPhone 6 or iPhone 6 Plus in close proximity to the payment terminal and make your payment with a tap of your finger. This touch will both verify your identity using Touch ID technology and authorize the card you’ve selected to be charged.

Because Apple Pay works with payment terminals by using near field communication (NFC) technology and comes with several layers of security built into each transaction, most experts expect it to be a safer way to pay than our current swipe-and-sign system.

As of October 2014, Apple Pay will be accepted at over 220,000 brick-and-mortar retailers nationwide, including:

  • Walgreens.

  • Whole Foods.

  • Macy’s.

  • McDonald's.

  • Bloomingdales.

You’ll also be able to use Apple Pay with some popular apps, including:

  • Starbucks.

  • Target.

  • OpenTable.

  • Groupon.

  • Uber.

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