With just the tip of your finger and the screen of your phone, you can replace your wallet. Cellphones have taken yet another step towards incorporating themselves into our lives.

On Oct. 20, the new iPhone software update, IOS 8.1, was released enabling Apple Pay on the iPhone 6, iPhone 6+, iPad Air 2 and the iPad mini 3.

This program allows users to synch their credit cards to their phones and other Apple devices.
Apple Pay can be used not only in the app store, but also at various retailers such as Subway, Whole Foods, Petco and Sports Authority.

These various retailers have a contact-less reader at checkout. All you need to do is hold your phone under the reader and place your finger on the home button of your phone, and you have successfully checked out. Apple Pay has various benefits to it, and makes the overall checkout process easier for Apple-product users. The app manages to replace all the credit cards in your wallet and gives you access to them with the tip of your finger.

Of course, it is a pretty risky choice to upload your credit card information to your phone.
Apple proves there is nothing to worry about as once you enter your credit card details, the card is given a unique identity, encrypted and stored in a small memory chip inside your phone. The credit card info itself is never put on Apple’s servers and never leaves your phone. Worried that if you lose your phone someone can just pick it up and go on a shopping spree? It is not possible to access your credit cards or to make purchases without your fingertip, which will be scanned upon entering your information.

Although Apple Pay was just launched a few days ago, it is growing rapidly.
Apple expects to be able to use the new payment system in dozens of stores around the world in the upcoming year.
Apple Pay may end up revolutionizing how we shop.

Written By Max Mayrock