How Apple Pay Works?? | Tech for Product Managers

Very Easy to Understand

Imagine you’re a Product Manager writing PRD at a coffee shop.

You just order a Coffee for you.

You decide to use Apple Pay, pull out your iPhone, double-tap the side button, authenticate with Face ID, and hold your device near the payment terminal.

The payment is completed in seconds. But what just happened?

The Technology Behind the Magic

Apple Pay uses Near Field Communication (NFC) technology.

NFC allows two devices (your iPhone and the payment terminal) to communicate wirelessly when they’re very close to each other.

This short-range communication ensures a secure, reliable connection for payment data.

Apple Pay doesn’t share your actual card number with the merchant. Instead, it uses tokenization.