Apple Pay is a popular contactless online payment system that allows customers to make secure and fast transactions using their mobile devices. Although it was initially introduced for consumer use, it has quickly become a game-changer for merchants as well. In fact, during the FIFA 2022 World Cup in Qatar, almost 90% of venue purchases were made with contactless payments. This emphasises the need for merchants in Qatar to adopt contactless payments by offering apple pay as a payment option to their customers, including locals, expats, and tourists. In this blog, we will first explore the benefits of Apple Pay for users and then dive deep into why merchants need to consider it as a payment option for their customers.

Apple Pay For Customers

Apple Pay is a mobile payment system that allows users to make purchases using their iPhone, Apple Watch, or iPad. It works by tokenising the user’s credit or debit card and using Near-field communication (NFC) technology and biometric authentication to transmit payment information securely. NFC is the technology Apple Pay uses to securely transmit payment information between a customer’s Apple device and a payment terminal. NFC technology enables quick and contactless transactions, making Apple Pay a popular payment option for users who value speed and convenience.

Benefits of customers using Apple Pay in Qatar:

1. Enhanced security features: Apple Pay is a secure payment option, eliminating the need for physical cards and offering additional protection layers like authentication and encryption. Customers can authenticate themselves using their biometric data or password, and the credit card details they enter are encrypted, ensuring their safety.
2. User authentication process: Apple Pay requires customers to authenticate themselves using biometric data or a password, adding an extra layer of security. This ensures unauthorised individuals cannot access the payment system, making it safe and reliable.
3. Robust encryption technology: Apple Pay encrypts credit card details, so they are never shared with anyone. Instead, a transaction-specific dynamic security code is sent to the payment network, making transactions safe and secure.
4. Quick and effortless transactions: Apple Pay is fast and efficient, allowing customers to complete purchases quickly and easily. The system eliminates the need to enter credit card details manually, making the checkout process hassle-free.
5. Convenient payment option: Apple Pay is a convenient payment option that eliminates needing a wallet or credit card. Everything customers need is on their smartphones, making it easy to make in-store and online purchases.

Steps To Start Using Apple Pay On Your Device

If you are wondering how to use Apple Pay in Qatar, here is a step-by-step process to start using Apple Pay on your device:

1. Open the Wallet app on your iPhone or iPad.
2. Tap the + button to add a card.
3. Follow the instructions to scan or manually enter your card information.
4. Verify your card by providing the necessary information.
5. Once verified, your card will be tokenised for security purposes.
6. Set up your preferred security measures, such as Touch or Face ID.
7. You can now use Apple Pay in-store, online, or in-app by simply holding your device near a contactless payment terminal or selecting Apple Pay at checkout.
8. Transactions are confirmed with a beep or vibration, and your payment details remain private as they are not shared with merchants.

That’s it! Following these simple steps, you can start using Apple Pay on your device and enjoy a quick, secure, and convenient payment experience.

Making online payment transactions with Apple Pay

Using Apple Pay for making online payments via payment links, payments gateway, invoice links, mobiles apps and more. Here is a step-by-step breakdown to help you understand better how Apple Pay works:

1. As shared above, Apple Pay uses tokenisation to safeguard bank details by sending the customer’s card information to the card’s issuing bank or network.
2. Once the tokenisation is done, customers can use Apple Pay to make contactless purchases by hovering their phones near physical payment readers or clicking “Buy with Apple Pay” on an online checkout page.
3. To complete a purchase, Apple Pay users must simply confirm the purchase with a tap on their device.
4. Apple Pay users with the feature enabled on their device can complete transactions using Touch ID or Face ID.
5. Apple Pay uses NFC technology to enable communication between two devices.
6. During a transaction, NFC transfers a token from the customer’s iPhone to the payments processor, which securely and quickly processes the payment.

Using Apple Pay at a Point of Sale machine

When shopping offline, here is how Apple Pay can be used to make payments at Point of Sale terminals without the need to carry a physical card:

1. The customer selects the payment method at the POS terminal as Apple Pay.
2. The customer holds their iPhone, iPad, or Apple Watch near the payment reader equipped with NFC technology.
3. The device communicates wirelessly with the payment reader and sends a token instead of the payment details for security.
4. The payment reader confirms the payment through the merchant’s payment processor.
5. The customer verifies the payment through Touch ID or Face ID.
6. The payment is complete, and the customer receives a confirmation message on their device.

Apple Pay has revolutionised how consumers pay for goods and services, offering a secure, fast, and convenient payment solution. However, not just consumers benefit from this technology – merchants also enjoy numerous advantages when they accept Apple Pay payments. Read on to explore the benefits of Apple Pay integration for merchants.

Apple Pay For Businesses In Qatar

With the rise of mobile payments, businesses in Qatar are seeking faster, more secure and more convenient ways to accept transactions. Apple Pay for businesses offers just that, allowing customers to make payments with a single touch using their Apple devices. Here is how Apple Pay in your payment process can help enhance the payment experience for customers while simplifying the payment process for merchants.

Easy on-the-spot payments

Apple Pay streamlines customer payments, resulting in faster transactions and improved satisfaction rates. It enables customers to pay through their iPhone or Apple Watch, eliminating the need for a physical card. This feature is particularly helpful for restaurants, allowing staff to process transactions quickly and focus on delivering excellent service.

Increased transactions 

Apple Pay’s convenience can boost transaction volume for merchants, particularly in retail. By offering Apple Pay as a payment option, merchants can attract tech-savvy customers who favour fast and secure digital payments. Pairing Apple Pay with an invoice link payment system to send invoices via email or SMS can further enhance the customer experience and increase sales, improving the retailer’s revenue.

Faster and more secure transactions 

Apple Pay’s fast and secure transactions can benefit hotels and other tourism-related businesses. Integrating Apple Pay allows guests to quickly and securely book without needing a physical card and reduces wait times at POS machines. Apple Pay’s token system also protects card information, builds guest trust, and reduces the risk of fraudulent transactions.

Frictionless checkout process  

Apple Pay can provide a seamless checkout experience for the tourism industry, especially for customers who prefer making bookings in advance. Integrating Apple Pay with a payment gateway on your website or app can reduce customer drop-off rates and enhance the customer experience. Its “click and go” payment mechanism simplifies the payment process, resulting in higher customer satisfaction and improved merchant conversion rates.

Higher conversion rates 

Apple Pay’s simple and easy payment mechanism can boost conversion rates for merchants across industries. Customers can quickly and securely complete transactions in-store by offering Apple Pay with a POS machine. For online purchases, Apple Pay’s simplified payment process with lesser steps to complete payment increases the likelihood of completing transactions, resulting in higher sales and improved revenue streams for merchants.

Attract more customers

Finally, merchants can attract customers across industries by offering Apple Pay as a payment option. With the rise of digital payments, customers who prefer Apple Pay, including expats and tourists, may choose a merchant that offers this option. Merchants can expand their customer base and grow their business by providing various payment methods, including Apple Pay.

In conclusion, merchants in various industries can benefit from Apple Pay transactions’ convenience, speed, and security. By offering this payment option, merchants can enhance the customer experience, increase transactions and revenue streams, and attract more customers to their business. Reports by Statista suggest that the sum transaction value of digital payments in Qatar is expected to grow at a 12.38% annual growth rate (CAGR 2023-2027), which will further result in a projected total amount of USD10.47 billion by 2027.

As online payments continue to grow in popularity, merchants who offer Apple Pay will be well-positioned to meet the evolving needs of their customers. So, the next question is, how do you leverage this upward trend in using Apple Pay in Qatar to grow your business? To help you do so, Sadad offers POS & online payment solutions to empower businesses in Qatar to cater to their customer’s payment needs, irrespective of their preferred mode of payment.

Simplify Apple Pay Integration With Sadad

Imagine a world where you no longer have to navigate multiple payment solution providers to take care of your needs. Welcome to our one-stop destination, where all your payment needs are met with just a few clicks! Merchants like you prefer Sadad to collect payments via Apple Pay, Google Pay and more for both online and offline transactions because:

1. An array of solutions: Sadad offers payment gateway solutions that can be easily integrated into your website or mobile app. Our invoice link generator lets you send invoice links to your customers in-store and when ordering from home by email or phone number. Sadad’s POS machine in Qatar comes in 2 sleek designs, Sadad POS and Sadad POS mini, built with keeping in mind the varied needs of on-the-counter and door-to-door service providers. Additionally, Sadad lets you send payment links to your customers to collect payment digitally.
2. Ease of integration: All our solutions are easy to integrate and use. The payment gateway has ready reckon APIs and SDKs that you can easily integrate with your website/mobile app. You can integrate these hosted payment components offering a personalised checkout page that ensures a smooth customer experience. Similarly, the sign-up process for using e-invoicing solutions, POS machines, and payment link generator takes minimal time to sign up and accept payments.
3. Multiple options to accept payments: Across our solutions, you can accept payments via not just Apple Pay but via UPI, Google Pay and cards, including VISA cards, Master cards, American Express cards, NAPS cards, and JCB cards.
4. Trusted by customers: Sadad payment solutions Qatar Central Bank approved and are PCI-DSS compliant, making them a trusted payment aggregator for customers and merchants alike. Our system additionally supports 3D Secure 2.0 (3DS2) to prevent fraudulent transactions, which offers dual-layer authentication.
5. Hassle-free accounting & settlement: Our solutions come with a merchant dashboard that you can use to reconcile your statement and keep transactions in one place. Every time a transaction is made using our solutions, you get notified via the merchant dashboard along with our mobile app with all the necessary details of the transaction. All transactions are settled within two days, ensuring no delay in settling accounts.

Ready to experience seamless payments via Apple Pay integration with Sadad – your one-stop destination for all payment solutions? Click here to sign up now.

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