Mark, 

I think what I've been doing may have more to do with ignorance than any 
setting I have. I think the next time I use apple pay, I'm going to try it from 
the lucked screen as you described and expect I'll love it even more if that 
works as I'm betting it will. 

Thanks for setting me straight. 

Alan Lemly 

Sent from my iPhone

> On Sep 27, 2015, at 2:49 PM, M. Taylor <mk...@ucla.edu> wrote:
> 
> 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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