Right after this summer, iOS users will be able to add their Discover credit cards to Apple Pay to be able to purchase items at supported establishments and other sellers. Apple's mobile payment system already accepts American Express, MasterCard, and Visa, and with Discover soon in its pocket, Apple Pay now works with all four major credit cards in the United States.
The process of adding a Discover card to any supported iPhone or iPad device will basically work the same way as it does with other credit cards. Users enter their credit card number and related data by either typing in the information manually, or by scanning the card. However, the actual card number as well as the security code are not stored on the iPhone or iPad. What happens instead is that a unique Device Account Number is generated with a one-time code to make sure the transaction is secure.
As stated by Discover, card holders of Discover who use Apple Pay can still take advantage of their benefits, which include 5 percent cash-back bonus as well as a tool that allows them to put a halt to any new purchase transaction if their card gets lost.
Discover debit cards will also be accepted by Apple Pay. Debit cards are linked with checking accounts held at banking establishments that partner with Discover, the same way MasterCard and Visa work with selected banks in offering debit cards to their customers.
Apart from revealing its plans to accept Discover credit cards in the near future, Apple Pay is also adding Best Buy to its list of partners. Users who shop at Best Buy can now use Apple's mobile payment system to make purchases done via the retail giant's app.
As of now, Apple Pay transactions are only limited to Best Buy's app, but both parties expect users to be able to use the mobile payment system for in-store purchases before the end of 2015.
This is a sort of special victory for Apple. Best Buy was a major supporter of the Merchant Customer Exchange (MCX), a consortium that was developing its own mobile payment system to rival Apple Pay. Last year, some members of the MCX had withdrawn their support for Apple Pay. But now, one of its most prominent members, Best Buy, is working with Apple, so score one for Apple Pay.
Meanwhile, the list of partners of Apple Pay continues to grow. And despite facing tough competition from Samsung Pay and Android Pay, Apple's mobile payment system still appears to continue to be making some headway.
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