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Does Apple Pay work without internet?

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Last updated: 28 February 2022

If you’ve got an iPhone, then there’s a good chance you’ve encountered Apple Pay. It’s a useful tool which allows you to use your phone like a contactless card, making spending money that much easier. But what if you’ve run out of data and there’s no WiFi around?

Surprisingly, your device doesn’t even need to be connected to the internet for it to work. So, as long as your mobile phone has battery and your account has money in it, you can make payments anywhere. Here’s why:

When you sign up to Apple Pay, you enter your card details on the app, which then get stored on your device's SE chip. When your phone is held next to a card reader, it uses its NFC (Near Field Communication) capabilities to send your details to the merchant who makes contact with your bank. It works the same as a normal contactless transaction would, except there’s no limit on individual payments.

For the non tech-savvy among us, it might be slightly confusing. However, the best thing to do is just accept it, tap your phone, and marvel at the wonders of modern technology.


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Michael Quinn

Author: Michael Quinn

Michael is a dedicated author helping usave to write guides, blogs and news for the last four years. When not writing articles, you can usually find him at wine tasting events or having a political debate on the night tube.

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