Hello Alan,

You must have your settings setup to require that you select your credit card 
of choice each time you use Apple Pay.

In my case, even when the phone is locked, at the time of purchase, I simply 
place my finger on the Touch ID, and hold the phone very near the terminal, and 
that's all.  When the phone is close enough to the terminal, the ApplePay logo 
appears on the phone's display, then the phone vibrates indicating that the 
transaction was successful, and that's all.  After that, I simply return the 
phone to it's previous location as the screen turns off, once again.   

The entire process takes no more than 5 to 8 seconds.  

It's a beautiful thing.  And the best part is that major grocery stores are 
beginning to accept Apple Pay.  

Mark

-----Original Message-----
From: viphone@googlegroups.com [mailto:viphone@googlegroups.com] On Behalf Of 
Alan Lemly
Sent: Sunday, September 27, 2015 12:24 PM
To: viphone@googlegroups.com
Subject: RE: Newbie Apple Pay question

Mary,

It's been awhile since I set up the credit card I use with Apple Pay in my 
iPhone but I had to first add it to my Passbook. When I've used Apple Pay at 
Walgreens and McDonald's, I first have to select the applicable credit card in 
my Passbook and then make sure my appropriate finger is on the home touch ID 
button before I hold the phone near the reading device to record the purchase. 
I don't know if this procedure is the same for everyone or if I set up certain 
settings for it to work this way.

Alan Lemly

-----Original Message-----
From: viphone@googlegroups.com [mailto:viphone@googlegroups.com] On Behalf Of 
Mary Otten
Sent: Sunday, September 27, 2015 1:31 PM
To: viphone@googlegroups.com
Subject: Newbie Apple Pay question

I have never used Apple Pay, only read about it. I am intrigued by the notion 
of paying for something from your lock screen. On the other hand, it seems 
awfully insecure. Say someone steals your phone and walks into a store. As I 
understand it, all you have to do if you have wallet from the lock screen 
enabled, is walk up to the register and hold your phone near the special NFC 
reader, and presto. Your credit card is charged. Surely, there is something 
more to it, something I am missing.
Mary

Sent from my iPhone

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