Apple Pay Arrives In UAE

The much awaited Apple Pay made its debut today in UAE. Six local banks – Emirates NBD, Mashreq, RAKBank, Emirates Islamic, HSBC and Standard Chartered are the first to offer Apple Pay in UAE, supported by Visa and MasterCard.

Recent research reveals that card spending has increased substantially in the last couple of years and UAE is heading towards a digital economy with cashless environment. Interestingly, the UAE is now among only 20 countries worldwide that now enjoy this payment facility.

How Does It Work?

Using Apple Pay is as easy as 1-2-3.

  1. Add your credit cards information to your iPhone’s Wallet app from the ‘Settings’ tab and following the prompts. You can even upload cards by using your phone’s camera to read the card details.
  2. Hold your device near a contactless card reader at where you’re making a purchase and use Touch ID to complete it. You can also do this action with your Apple Watch and even if you leave your iPhone far away, you can still use the Watch for Apple Pay.
  3. The Touch ID step is also available on iPads and Macs that support it. For in-app purchases, a user just needs to tap the ‘Buy with Apple Pay’ button.

In the soon to be launched, iPhone X. Face ID will be used to authenticate an Apple Pay purchase.

Who Can Use It?

Users will have to update their devices to iOS 11 or later and select United Arab Emirates as their region as well as have an iCloud account.

Apple Products Supported

  • iPhone 6 or later in stores, apps, and websites in Safari
  • iPad Pro, iPad Air 2 or iPad mini 3 and later for use on apps and websites
  • Apple Watch in stores and apps
  • Mac introduced in or after 2012 running macOS Sierra or later and Touch ID on Macbook Pro Touch Bar

How Secure Is It?

With Apple Pay, your card number isn’t exactly stored on the iPhone, on Apple servers or shared with merchants. Instead of the traditional method of storing details in devices, a unique device account number is assigned and encrypted, which is securely stored in a secure element on the device. Each transaction then, is authorised with a one-time dynamic security code.

You can view your last transactions in your Apple Wallet, and some allow you to see the last ten transactions. Each bank differs on what information will be displayed, so it’s best to check with your bank to see exactly how this works.

And even if you lose your iPhone, you don’t have to panic. By using ‘Find My iPhone’ or by going to, you can put a device in Lost Mode, which automatically suspends all the cards in Apple Pay.

What’s Coming?

Soon, you’ll even be able to send and receive money over iMessage. Move over banks!

Cyber Gear is now offering regional ecommerce web sites and mobile apps, the facility to integrate their shopping carts to accept payment through Apple Pay.