The long-awaited Apple Pay feature is finally available in Malaysia. With this feature, users of Apple’s iPhone and Watch devices can now link their credit cards to make quick, contactless payments by just touching their gadgets to payment terminals that support this feature.
While some may think that this is nothing new since Samsung Pay does the same thing, Apple has added a couple of extra features which make it more convenient than Samsung Pay.
Here’s how Apple Pay can be more convenient.
PIN or signature not required for transaction above RM250
When it comes to contactless payments such as Visa PayWave or Mastercard PayPass, we are required to enter a PIN or a signature if the transaction amount is RM250 and above. This limitation applies to Samsung Pay, but not to Apple Pay.
This feature is made available by Apple’s tokenisation technology to safeguard bank details and all payments require Face ID, Touch ID or passcode. This means that you can use Apple Pay for transaction of any amount.
The only limit here is the permitted amount set by your bank.
Apple Pay works on in-app and website transaction
Apart from physical in-store transactions, Apple Pay also supports in-app and website payments. Instead of having to fill in your card details in the form, you can just choose “pay with Apple Pay”. There’s no need to wait for the OTP via SMS too.
However, similar to in-store payments, you’ll have to authorise the transaction using your device’s Face ID, Touch ID or passcode.
Features not available in Malaysia
Although Apple Pay is enabled in Malaysia, some other extensive features such as Apple Card, Apple Cash and money transfers via iMessage are not available in Malaysia just yet.
Other than that, rewards or cashback are currently not available on Apple Pay in Malaysia too. As a comparison, Samsung Pay provides points for every transaction which you can use to redeem vouchers and other promo items.
How to enable Apple Pay?
To enable this feature, all you need to do is register your credit card with the Apple Wallet app on your iPhone or Apple Watch. Once you are done setting up, you can use Apple Pay with authentication done via Face ID, Touch ID or passcode.
However, there are only a select number of banks currently supporting Apple Pay functionality right now, including Maybank, Standard Chartered, and Ambank.
If you are attempting to register credit cards from other banks, it will return a notice saying that the functionality is yet to be supported by said companies.
Nonetheless, this feature has only just rolled out in Malaysia and we can expect it to support credit cards issued by other banks and to unlock more features.
Apple users, are you excited to use this feature? Share your thoughts!