How Apple’s iPhone 6 will revolutionize online mobile payments in the Middle East

On 19th of September 2014, Apple unveiled two of the most highly anticipated smartphones of the year; the iPhone 6 and the iPhone 6 Plus. While their performance and new features embedded in to the operating system were extremely salivating, another feature not presented before in the iPhones was introduced that will most probably take the online payment procedure by storm. The NFC chip (near field communications) chip present in the iPhone 6 and the iPhone 6 Plus will allow users to make secure online payments successful through the use of partnerships with payment gateways.

Apple Pay

How does it work?

Payment gateways always comply with PCI DSS (Payment Card Industry Data Security Standards) and these standards are always attempting to revise themselves to protect credit and debit holders from having their card details stolen. According to the CEO of Apple, Tim Cook stated that since the reliance of numbers engraved on the cards, not to mention the magnetic interface has become obsolete; there is always going to be a high level of vulnerability when it comes to making payments online.

The feature that the company has took to calling it is called Apple Pay, and what it does is that it adds a credit card from your iTunes account, or a new card using the phone’s iSight camera. Once the card information is stored with Apple Pay, the combination of security provided by payment gateways, not to mention making payments by authenticating with the Touch ID sensor present on the device will allow users to make payments with greater ease, and will feel safer doing so.

How will it be able to become successful in the Middle East?

Making payments online has not yet formed a common discipline in the Middle East. The phenomenal thing about the Apple Pay feature is that users can also use that feature to sync their Apple iWatch to their previous generous devices in order to make the payments without spending too much money just acquiring a whole new iPhone 6. Currently, the Apple devices that are going to be compatible with the synchronization process are the iPhone 5, iPhone 5c, and the iPhone 5s.

Customers prefer making the traditional way of performing transactions in the Middle East primarily because of the security issue that tags along the process of making an online payment. The great thing about the NFC (Near Field Communication) payment feature is that NFC is far more secure compared to using a WiFi or a Bluetooth connection to make the payment. The combination of the NFC chip and the security provided by payment gateways will result in the forming of two layers of security, providing additional safety at the user’s end.

Apple has already announced an API (application programming interface) for Apple Pay so that developers can take advantage of it by stuffing in additional features that will make the security robust and the payment process even more flexible. While the feature is currently starting out from the US, Apple has stated that it will imminently makes its way to other regions, and through the encouraging of online payments, will the Middle East become a hub for future online payment procedures.

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