The Briefing

How do Apple Pay and Google Pay work?

It’s easy peasy to pay with your phone!

February 17, 2022
Reading time 2 min.

🌈 A quick taster for you:  

  • Easily connect your OWWN card to Apple or Google Pay.
  • Pay faster both online and offline. 
  • Your account details stay secret and your OWWN account remains secure.

🧐 Why do I care?

Okay, okay, if you’re thinking, "Apple Pay? That's so 2018!", then you're absolutely right. But we’re living in a country where the favorite means of payment is still a jingle of coins and a jumble of bills. At least that's how the older generation see it! In reality the number of people paying by card is increasing quite a bit — and the smartphone is becoming more and more popular as a way to pay. 
So it's high time to get in the game. But where can you pay with your smartphone? Is it even secure? How complicated is it to set up? We’re bringing you all the answers.

🔍 What exactly is happening here?

  • How do Apple Pay and Google Pay work? 
    Basically, both systems work in a very similar way. First, you need to have an account, like the one from OWWN, which offers the service. Then you can connect your checking, debit, or credit card to either Apple Pay or Google Pay. And boom, you're ready! You can then use your phone to pay at any store that offers contactless payment — there will be an NFC symbol on the card reader, which looks like the WLAN symbol. Just unlock your phone, hold it up to the card reader, and you’re done. 
  • How can I connect my card? 
    The question of all questions: Apple or Android? While we can't answer that one for you, we can tell you the options for both. 
    Google Pay works on all newer Android devices (Android 5.0 and above). So all you have to do is install the Google Pay app, sign in with your Google account, and enter your card information. Easy peasy. 
    Apple Pay works exclusively on Apple devices. Just download Apple Wallet, register your Apple ID, and enter your payment information. Easy peasy lemon squeezy.
  • How secure are the payments?
    Both services use a virtual copy of your real credit card number. So when you pay at a store they don’t receive your real account number, but only the virtual account number. Your real bank account is therefore protected if you were to lose your phone, or if it gets stolen. And if you do lose your phone, you can easily block your virtual card via Google's "Find My Device" or Apple's "Where Is". All of your payment information is encrypted and stored on secure Apple and Google servers.

🤓 What does this mean for me?

In the year 2022, pretty much our entire life is stored on our phone, so it makes sense to use it for our finances too. Paying with Apple or Google Pay can simplify your everyday life, so why not give it a try? There’s a couple of situations in the waive office this week when it came in super handy. One was when our CEO headed out for a lunchtime jog and, having left his wallet in the office, was still able to shout everyone to lunch right after his run by paying with his apple watch. And then yesterday when a colleague downloaded a new food delivery app, she could pay for the order with two clicks because all her banking info was already stored on her phone. We like it when things are so easy.

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