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Most of us leave the house carrying three essentials: But over the past few years, more and more people are combining the latter two objects. No, we're not talking about phone cases that also hold cash. Your smartphone can store your financial details and use them to make secure, instant payments in the store. It may feel vaguely futuristic, but you can check out with a wave of your mobile—as long as the place you're shopping has the necessary hardware.
If you're new to the world of app-based payments, but want to upgrade from the old cash and cards approach, it's easier than you might think to get set up.
In fact, you have most of what you'll need already installed on your phone. Here are your payment options. Apple Pay first saw the light of day in October Now it comes pre-installed on most of Apple's hardware products, including the Apple Watch and the iPhone at least on version 6 or later. You can use this program to pay for purchases online, within apps, and in physical stores: From here, you can link your credit or debit cards to the phone's payment system.
It also lets you add new cards and edit the details from existing ones. To add the same card or cards to your Apple Watch, use the Watch app.
This will give your wearable the same paying power as the card you've added, which means you'll be able to pay with your smart watch even when your iPhone isn't nearby. Once you enter your card details, you're ready to pay for goods. To do this in a physical store, you can use any contactless terminal, even if it doesn't display an Apple Pay sign though the sign is worth looking out for. As long as the checkout takes contactless payments, it should work with Apple Pay as well.
Unlock your phone with a passcode or Touch ID, to prove it's actually you using it, then tap your iPhone or Apple Watch on the terminal to pay. Your card details aren't actually beamed from your phone to the terminal. Your device simply confirms that it's authorized to act on your behalf, using an encrypted code it received when you registered your card with it the first time. Because this system is unfamiliar, it may breed security concerns.
But Apple Pay can actually protect your money better than a card. While someone who steals your credit card would then be able to make multiple payments with it, that's not possible with an iPhone—they would need the phone's Touch ID or passcode to access your earnings. Android Pay launched in September , a year after Apple's payment system, and it works in a very similar way. Its primary purpose is to let you quickly pay at the checkout in a retail store, but the tech has also found its way to apps and online shopping.
Android Pay works on phones and tablets using Android 4. You can manage all of your cards and other payment information through the Android Pay app on your phone. If you already have registered certain cards with Google for in-app payments and the like , then you can quickly add these to Android Pay with just a few taps.
On an Android Wear watch, you will need to install the Android Pay app separately, then use it to select one of the cards you've previously placed on your phone. Like with Apple Pay, you need to have some sort of lock on your phone like a fingerprint or passcode to use Android Pay, as this can verify your identity.
If you're using a smartwatch, you don't need to unlock your phone every time you pay. However, if you take your watch off, then you will need to reauthorize the connection by unlocking your phone the next time you use Android Pay in a physical store.
Android Pay should work with any terminal or checkout that supports contactless payments, though you can also look out for the Android Pay badge. Outlets from Macy's to Whole Foods have signed up for the system. In the store, make sure your phone is unlocked, tap it against the terminal for a few seconds, and wait for the green light. Again, the system will send an authorized token rather than your actual card details—just one more way that Apple and Android Pay resemble each other.
Samsung Pay , despite the name, works on any modern Android phone, not just Samsung devices. You can also install it on the Gear S2 and Gear S3 smartwatches. Once you've added the Samsung Pay app to your device, add your cards within the app. When it comes time to pay, simply unlock your phone which can even be done via an iris scan on a Galaxy S8 , and then hold your phone against the terminal to use your card.
It works with both contactless terminals and those terminals that use the old magnetic stripe technology. In the latter case, however, you do need a recent Samsung device, because the method requires extra in-phone hardware. That ability makes Samsung Pay compatible with a broader range of point-of-sale terminals. We've covered your options if you want to use your phone in a physical store.
But what if you just want to pay back your friend for dinner, or settle the cable bill with your roommates? In this case, you've still got plenty of app options. Like with Apple, Android, or Samsung Pay, you will need to link these apps to a real bank account or card.
But the process is usually pretty painless. PayPal Android , iOS is perhaps the best-known and one of the longest-running mobile payment options. Recently, its apps for phones have caught up to its desktop site in terms of ease-of-use and functionality. If you link a bank account to your PayPal, or accumulate a PayPal balance, you can pay anyone at least, anyone else who has a PayPal account for free. In the world of payment apps, Square Cash Android , iOS is the up-and-coming contender, looking to significantly improve the way we all send money to each other.
Perhaps its best feature is that the person you're paying doesn't need their own Square Cash account: You can use the app to pay anyone whose email address you know. Square Cash lets you link debit cards for free, but adds a 3 percent charge for linked credit cards.
This socially-connected option is built more like a messaging app than a payments tool. It even includes an option for splitting a bill. Payments are free from a linked bank account, major bank debit cards, or a Venmo balance. Otherwise, you face a 3 percent charge for credit cards.
Welcome to the future of payments. Apple Pay on the iPhone. Like Apple Pay, Android Pay should work at any terminal that supports contactless cards. Samsung Pay works with contactless technology and the older magnetic stripe method. The beauty of Square Cash is that you can send money to anyone with an email address.
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Sorry, web chat is currently offline, our opening hours are. Give us a call for free and impartial money advice. Protecting your home and family with the right insurance policies Insurance Insurance Car insurance Life and protection insurance Home insurance Pet insurance Help with insurance Travel insurance Budget planner. A simple guide to credit cards Used well, a credit card is a secure and flexible way to pay and can be a good way to spread the cost of major purchases.
How does a credit card work? Is a credit card for me? Pros of credit cards Cons of credit cards Charges and fees How does a credit card work? Read more about Cheap cards to use abroad. Did you find this guide helpful?
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Back to top Debt and borrowing Before you borrow. Taking control of debt. Mortgage and rent problems. Credit cards and credit ratings. Note that most cards, like in the example above, only provide a grace period on purchases, but not on balance transfers or cash advances. You may have seen something on your credit card statement that says Available Credit. What does that mean?
A credit card is a type of flexible loan. You can spend up to a certain amount at one time, which is determined by your credit limit. This amount the remaining amount the credit card issuer will let me spend right now. Available Credit is roughly your credit limit minus the current balance of the account. On top of any fees your bank may charge for late payments, a late payment on your credit reports can stay there for seven years.
Generally, we recommend that you pay the full statement balance on the due date. This lets you maximize the grace period while avoiding late payments. If you do this, make sure you allow enough time for your payment to process so it will post on the due date. Credit card issuers can vary in how long they take to post a payment to your account. For the first few billing cycles, you might want to allow ample time to see how long payments take to process.
You can get details by calling the customer service phone number for your financial institution. Most credit card issuers will let you set up online payments from your checking account or savings account so your bill will automatically get paid on the due date each month. This is a great option to avoid late payments and credit card debt. If you do set up automatic payments, be sure to review your statement before the payment date so you can identify and deal with any fraud or unauthorized transactions that may show up on your card.
As long as your account has a grace period, paying your balance off early like this is unnecessary. Many credit cards work this way. Credit utilization , or how large your balances are compared to your credit limits, is a major factor in credit scores.
You can figure out your utilization on a card easily: A lower percentage is generally better. A higher limit on a credit card gives you more room to work with in terms of your credit utilization.
You can reduce the balance reported to credit bureaus, and thus utilization calculated by credit scoring models, by paying a large portion of your outstanding balance before the statement period closes. But if I were applying for a mortgage in a few months, for example, I may want to maximize my credit scores by reducing the reported utilization. If you want to learn more about building credit with credit cards, check out this guide.
The Indigo Platinum Mastercard is designed for people with fair credit who want to improve their credit by showing a positive payment history. In this post you'll learn what a credit card balance is, how it affects your credit scores, and why you should avoid having one that lingers at all costs.
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