MasterCard partners with Apple to integrate revolutionary Apple Pay

Paying with mobile devices is about to become even more priceless. Today, Apple unveiled Apple Pay that will enable MasterCard cardholders to use their iPhone 6, iPhone 6 Plus and Apple Watch for everyday purchases.

MasterCard worked with Apple to deliver a seamless and secure payment experience. For consumers and merchants alike, that means that every purchase made with a MasterCard using iPhone 6, iPhone 6 Plus, and Apple Watch will offer the security, benefits and guarantees of any MasterCard transaction.

Apple Pay transforms mobile payments with an easy, secure, and private way to make purchases. By integrating Apple hardware, software and services, Apple Pay creates a unique and incredibly intuitive experience for iPhone 6, iPhone 6 Plus and Apple Watch users.

Owners of the new iPhone 6, iPhone 6 Plus and Apple Watch will be able to use their MasterCard credit or debit cards from participating banks directly through Apple Pay. At a store, consumers can simply pay by just holding their iPhone near a contactless reader with their finger on Touch ID and their transaction will be authenticated. For purchases within an app, consumers will simply touch to pay and authenticate with their fingerprint or passcode for a seamless experience without having to enter their card number or leave the app. You can pay with Apple Watch: just double-click the button below the Digital Crown and hold the face of your Apple Watch near the retailer’s contact-less reader. A gentle pulse on your wrist and beep confirm that your payment information was sent.

“Apple has a long tradition of introducing breakthrough products with features that really matter to people. Apple Pay, combined with MasterCard’s payments technology, gives consumers an easy, secure and private way to shop,” said Ed McLaughlin, chief emerging payments officer, MasterCard, in a statement. “We have been a pioneer of mobile commerce innovation for years – including the world’s first contactless and mobile payment solutions. We’re thrilled that MasterCard cardholders will soon be able to make payments from their iPhone 6, iPhone 6 Plus and Apple Watch, knowing that every purchase is secure and offers all the same guarantees and benefits they’ve come to expect from using their MasterCard.”

Apple Pay will be made available for U.S. consumers via a free update to iOS 8 this October. MasterCard cardholders will be able to make simple and secure payments in the apps of top merchants, as well as contactless payments at some of the most frequented U.S. locations including major stores, restaurants, transit providers, fuel and convenience stores, and all Apple Store locations. One of the first to accept Apple Pay via iPhone 6, iPhone 6 Plus and Apple Watch will be MasterCard’s long-time partner Major League Baseball.

To find a listing of contactless-enabled merchant locations, download the MasterCard Nearby app via Apple’s App Store or go to

Payments via Apple Pay integrate with the MasterCard Digital Enablement Service (MDES). Announced last year, this service, provided by MasterCard to banks, allows a connected device to be used for everyday shopping and payments. In addition to the banks announced today by Apple, MasterCard is working with its partners to bring additional banks on board quickly through the MasterCard Digital Enablement Service.

Source: MasterCard

Related articles:
TSYS supports Apple Pay – September 10, 2014
Apple announces Apple Pay mobile payments – September 9, 2014


    1. Agree
      This was not talked about enough in the commentaries after the presentation.
      This will be huge and something that Android and Microsoft cannot copy because of TouchID and the integration with the iPhone.

    2. There is no indication of this at all. There has not been anything mentioned about ApplePay driving iPhone sales or anything else. There doesn’t appear to be any excitement that I’ve noticed. Judging from Wall Street’s reaction, Apple struck out again.

      I can’t even buy an AppleWatch until next year and that’s really disappointing to hear because I was ready to run out and get the AppleWatch Sports. I don’t even know why they bothered to announce the AppleWatch so early. Samsung can now easily duplicate AppleWatch down the the digital crown and have a near-clone GearWatch ready for sale in time for the holidays for $300.

      1. Actually based on Wall Street’s usual down reaction to passed Apple announcements and what the Market did as a whole yesterday I’d say Wall Street is pretty pleased overall. It didn’t jump because the market was down and there was a lot of expectation built in to the market already. This time they bought the hype and stayed.

        As for the Watch, Apple just severely cut into other makers smart watch sales for the 4th quarter and made sure the existing product line won’t be eaten into by its own new product. Loads of people will hold off on holiday smart watch purchases until they see the new Apple Watch, plenty new iPhone 6’s for Christmas, Apple gets a new launch in a slow quarter…if you ask me they have played this very well.

    3. Android users tend to buy what the sales people offer them. I doubt if they will change that quickly. However, once they start to see “Apple Pay” on payment devices, once they see how people pay using their iPhone combined with HealthKit and Homekit should get them more curious to question the sale staff with more details.

      Having said that, we are talking about a small margin of Android users who are willing/able to pay for an iPhone 6 with NFC and the lifecycle means at least 3 years for the full impact of Apple Pay to be realized (I agree it may force those who are still holding to iPhone4 to upgrade). Those individuals tend to ignore the Total Cost OF Ownership versus upfront cost.

  1. What I didn’t really understand is that on the iPhone you use Touch ID to securely confirm the payment. On the Apple Watch you just double click the button. Surely that removes a level of security?

      1. If you’re going to have to get your phone out to use Touch ID to validate the transaction what is the point of holding your watch near the payment facility? You’re having to use two devices in that case. Why not just use your phone to start with?

      1. Seems a bit off to me. The use of your finger for each transaction makes sense. If it stays synced whilst on your wrist that’s fine, but that implies you’d still need to validate every day, or at least the first time in a day. Since I don’t buy that many things in person I can’t see that saving me a huge amount of time.

        1. You’re going to be taking it off to charge, anyhow. When you put it back on, it syncs with your phone and you validate. It also has a sense of place, knowing when it gets out of range of your phone.

    1. No, it’ll still be the “card issuer”. Benefits of a Mastercard transaction might include an automatic warranty extension, or replacement due to theft… it definitely won’t be Apple providing those benefits, so it won’t be Apple providing the card’s guarantees.

      As for security… as far as the US is concerned, lacking a chip-and-PIN on credit cards, *anything* is more secure than the magstripe.

    2. This guarantee is also for merchants. They will get a discount of the transaction fee percentage with this, like they currently do with signatures. This discount will help to drive adoption.

    1. That’s why I have waited expectantly for Apple to enter the personal defense market…They have disrupted markets of all sorts, so why not? Their commitment to the user experience must surely extend to the safeguarding of life, limb, and property in the mobile sphere.

      They have dismissed as outlandish my suggestion of slot-loading neurotoxin-coated shuriken flingers. No surprise there, I suppose. But they could partner with Kimber, for example, in the U.S. Apple only need solve the interstate regulatory hassles, such as crossing the street in a Stateline city and finding one’s concealed carry permit suddenly invalid…

Reader Feedback

This site uses Akismet to reduce spam. Learn how your comment data is processed.