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Hands on: Apple Pay is even slicker than your snakeskin wallet, brah

Apple Pay just killed the wallet. The longest part of setting up Apple Pay was downloading iOS 8.1 — after that, it was smooth sailing. The setup requires only a few easy steps and takes less than 5 minutes. It takes even less time to make your first in-store purchase.

Related: Everything you need to know about Apple Pay from security to how it works

Like other mobile wallets before it, Apple Pay works at stores and cafes with NFC-enabled payment pads. It uses the same framework and the same technology that’s been around for years. what makes it different, is the ease of setup and use. Here’s how it works:

Apple Pay setup

Setting up a mobile wallet can be a true ordeal. Most competitors ask you for your routing number and other obscure information that you have to look up somewhere else. Either that, or they ask you for sensitive personal information like the last four digits of your social security card. That alone is enough to freak out many people. Apple Pay doesn’t ask for anything that you haven’t given the company already and makes setup much easier — Everything you need to set it up is on your credit or debit card.

(Note: Apple Pay is ONLY available on iPhone 6 and 6 Plus. No older iPhones)

  1. Download iOS 8.1 Update (it’s available now)
  2. Open the Passbook app
  3. Click on Set up Apple Pay (Make sure Touch ID is set up)
  4. A screen prompts you to either:
    1. Use card on file with iTunes
    2. Use a different debit or credit card
  5. If you use the card already file, you simply verify the card with the security code on the back.
  6. If you add a new card, you can just scan the card details with your camera by touching the blue camera icon next to card number section
    1. If you don’t want to scan your card, you’ll be asked for the following info:
      1. Name
      2. Card Number
      3. Expiration date
      4. Security code

… And you’re done. Apple Pay will inform you that it’s activating your card with the bank’s permission and voila! You’re all set to tap and pay. I went through the entire process from start to finish in less than five minutes. I already had a card on file with iTunes, so setup for that card was easy. I added a second card just to test the camera scan feature and it worked perfectly. I didn’t have to enter any of my credentials, save the security code, which the camera can’t scan since it’s one the back of the card.

Apple Pay does not support all kinds of cards, though it does support Visa, MasterCard, and American Express. Many loyalty rewards cards and corporate cards don’t work with Apple Pay — yet. For example, our Deputy Editor at DT couldn’t add his old Michigan State University Federal Credit Union card or the company’s Amex corporate card to Apple Pay. Apple says it plans to add more partners and support more card types in the future, but if you use a smaller credit union or bank, it may not yet support the system.

Once your card is in the app, you can tap on the little info button to see the details of each card. You’ll have easy access to the mobile banking app, a fast link to contact your bank in case of a problem, the redacted card and Device Account Number, as well as the privacy policy and an option to remove the card. Your most recent transactions will also be listed.

Next page: Tap to pay works as well as advertised

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