TLDR
Apple Pay is a mobile wallet for Apple devices and is an easy way for users to make purchases in stores, applications, and on the web. It allows users in the U.S to send and receive money to friends and family using the Apple Pay feature in iMessage. In order to use Apple Pay, you must have a passcode on your device. Apple does not retain your full account number or any transaction information - all of your transactions stay between you and the merchant. Apple Pay uses multiple layers of encryption to protect your credit card information.via the TL;DR App
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