Apple Pay, Apple's answer to mobile payments, was finally released on Monday. iPhone 6 and 6 Plus users will be able to use Apple Pay in stores once they upgrade to iOS 8.1.

Apple Pay connects with your credit and debit cards and allows you to make payments by touching your phone to an NFC-enabled terminal, and holding your thumb to the fingerprint sensor, called Touch ID, to authenticate your purchase. You can also use Apple Pay for online purchases and for purchases within apps.

At launch, the app is only available for credit and debit cards issued by American Express, Bank of America, Capital One Bank, Chase (Visa only), Citi, Merril Lynch (credit only), U.S. Trust, and Wells Fargo. Apple says more than 500 banks have signed up to use Apple Pay. 

So far the app works flawlessly. But only if you know where to use it. 

You can use Apple Pay at 220,000 locations in the US so far, including:


McDonald's Panera Bread Subway Whole Foods ExtraMile Wegmans


Chevron  Texaco

Clothing and sportswear:

Bloomingdale's Champs Macy's Aeropostale Sports Authority Six:02


Foot Locker Lady Foot Locker Kids Foot Locker Footaction House of Hoops Nike Run by Footlocker


Petco Unleashed

Drug stores:

Duane Reade Walgreens

Office supplies:

Office Depot


Toys R Us Babies R Us

Big box stores:

BJ's Wholesale Club


RadioShack Apple Store

Coming later this year:

Anthropologie Disney Store Free People Petsmart Sephora Staples Urban Outfitters Walt Disney World

You can also use Apple Pay with the following apps:

Eventbrite, Starbucks, Levi's Stadium, Sephora, JackThreads, and StubHub are adding Apple Pay support "later this year," Apple says.  

See Also:

Top Investor Marc Andreessen: Apple Pay Is 'Very Clever' And Everyone Is 'Freaking Out' Over ItShoppers Rejoice: Apple Pay Is Coming To The iPadA New Breed Of Apps Could Completely Change The Way We Pay In Bars And Restaurants

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