<s>
Apple	B-Application
Pay	I-Application
is	O
a	O
mobile	O
payment	O
service	O
by	O
Apple	O
Inc	O
.	O
that	O
allows	O
users	O
to	O
make	O
payments	O
in	O
person	O
,	O
in	O
iOS	B-Application
apps	I-Application
,	O
and	O
on	O
the	O
web	O
.	O
</s>
<s>
It	O
is	O
supported	O
on	O
iPhone	B-Device
,	O
Apple	B-Device
Watch	I-Device
,	O
iPad	B-Device
,	O
and	O
Mac	B-Device
.	O
</s>
<s>
It	O
does	O
not	O
require	O
Apple	O
Pay-specific	O
contactless	B-Application
payment	I-Application
terminals	O
;	O
it	O
can	O
work	O
with	O
any	O
merchant	O
that	O
accepts	O
contactless	B-Application
payments	I-Application
.	O
</s>
<s>
Apple	B-Application
Pay	I-Application
can	O
also	O
be	O
used	O
to	O
ride	O
some	O
public	O
transport	O
networks	O
either	O
through	O
the	O
use	O
of	O
credit/debit	O
cards	O
(	O
open	O
loop	O
)	O
(	O
for	O
example	O
across	O
TfL	O
in	O
London	O
,	O
SL	O
in	O
Stockholm	O
,	O
and	O
at	O
OMNY	O
readers	O
across	O
New	O
York	O
City	O
's	O
subway	O
and	O
bus	O
network	O
)	O
or	O
dedicated	O
travel	O
cards	O
such	O
as	O
JR	O
East	O
's	O
Suica	O
,	O
the	O
Chicago	O
Transit	O
Authority	O
's	O
Ventra	O
,	O
the	O
San	O
Francisco	O
Bay	O
Area	O
's	O
Clipper	O
(	O
closed	O
loop	O
)	O
and	O
Hong	O
Kong	O
’s	O
Octopus	O
Card	O
.	O
</s>
<s>
The	O
service	O
is	O
compatible	O
with	O
iPhone	B-Operating_System
6	I-Operating_System
and	O
newer	O
,	O
iPad	B-Operating_System
Air	I-Operating_System
2	I-Operating_System
and	O
newer	O
,	O
Macs	O
with	O
Touch	O
ID	O
,	O
and	O
Apple	B-Device
Watch	I-Device
Series	O
1	O
and	O
later	O
.	O
</s>
<s>
Apple	B-Application
Pay	I-Application
uses	O
the	O
EMV	O
Payment	O
Tokenisation	O
Specification	O
.	O
</s>
<s>
Users	O
can	O
also	O
remotely	O
halt	O
the	O
service	O
on	O
a	O
lost	O
phone	O
via	O
the	O
Find	B-Operating_System
My	I-Operating_System
iPhone	I-Operating_System
service	O
.	O
</s>
<s>
iPhone	B-Device
users	O
authenticate	O
by	O
using	O
Touch	O
ID	O
,	O
Face	O
ID	O
,	O
or	O
passcode	O
,	O
whereas	O
Apple	B-Device
Watch	I-Device
users	O
authenticate	O
by	O
double-clicking	O
a	O
button	O
on	O
an	O
unlocked	O
device	O
.	O
</s>
<s>
To	O
pay	O
in	O
supported	O
iOS	B-Application
apps	I-Application
,	O
users	O
choose	O
Apple	B-Application
Pay	I-Application
as	O
their	O
payment	O
method	O
and	O
authenticate	O
with	O
Touch	O
ID	O
or	O
Face	O
ID	O
.	O
</s>
<s>
Although	O
users	O
receive	O
immediate	O
notification	O
of	O
the	O
transaction	O
,	O
the	O
Apple	B-Application
Pay	I-Application
system	O
is	O
not	O
an	O
instant	O
payment	O
instrument	O
,	O
because	O
the	O
fund	O
transfer	O
between	O
counter-parties	O
is	O
not	O
immediate	O
.	O
</s>
<s>
In	O
the	O
United	O
Kingdom	O
,	O
traditional	O
contactless	B-Application
payments	I-Application
using	O
bank	O
cards	O
are	O
limited	O
to	O
£100	O
(	O
previously	O
£45	O
until	O
14	O
October	O
2021	O
)	O
as	O
no	O
cardholder	O
authentication	O
is	O
provided	O
as	O
part	O
of	O
the	O
transaction	O
.	O
</s>
<s>
Payments	O
using	O
Apple	B-Application
Pay	I-Application
,	O
however	O
,	O
support	O
payments	O
of	O
any	O
amount	O
owing	O
to	O
the	O
increased	O
security	O
and	O
lower	O
risk	O
of	O
fraud	O
in	O
Apple	B-Application
Pay	I-Application
transactions	O
(	O
although	O
some	O
issuing	O
banks	O
may	O
impose	O
their	O
own	O
transaction	O
limits	O
,	O
and	O
not	O
all	O
contactless	O
readers	O
support	O
this	O
functionality	O
–	O
see	O
CDCVM	B-Application
below	O
)	O
.	O
</s>
<s>
In	O
EMV-mode	O
transactions	O
,	O
Apple	B-Application
Pay	I-Application
supports	O
the	O
use	O
of	O
the	O
Consumer	O
Device	O
Cardholder	O
Verification	O
Method	O
(	O
CDCVM	B-Application
)	O
using	O
Touch	O
ID	O
,	O
Face	O
ID	O
,	O
or	O
the	O
phone	O
's	O
or	O
watch	O
's	O
passcode	O
.	O
</s>
<s>
The	O
use	O
of	O
CDCVM	B-Application
allows	O
for	O
the	O
device	O
itself	O
to	O
provide	O
verification	O
for	O
the	O
transaction	O
and	O
may	O
not	O
require	O
the	O
cardholder	O
to	O
sign	O
a	O
receipt	O
or	O
enter	O
their	O
PIN	O
.	O
</s>
<s>
Additionally	O
,	O
in	O
certain	O
markets	O
which	O
have	O
a	O
'	O
no	O
verification	O
contactless	O
limit	O
 '	O
using	O
contactless	O
cards	O
(	O
such	O
as	O
the	O
£100	O
limit	O
in	O
the	O
United	O
Kingdom	O
and	O
the	O
C$100	O
limit	O
in	O
Canada	O
and	O
the	O
300SAR	O
limit	O
in	O
Saudi	O
Arabia	O
)	O
,	O
the	O
use	O
of	O
CDCVM	B-Application
can	O
enable	O
merchants	O
to	O
accept	O
transactions	O
higher	O
than	O
these	O
amounts	O
using	O
Apple	B-Application
Pay	I-Application
,	O
providing	O
their	O
terminal	O
software	O
is	O
updated	O
to	O
support	O
the	O
latest	O
network	O
contactless	O
specifications	O
.	O
</s>
<s>
About	O
two-thirds	O
of	O
merchants	O
accept	O
contactless	B-Application
payments	I-Application
.	O
</s>
<s>
Some	O
contactless	O
terminals	O
in	O
the	O
US	O
do	O
not	O
support	O
EMV-mode	O
contactless	O
transactions	O
(	O
even	O
if	O
they	O
support	O
EMV	O
contact	O
transactions	O
)	O
,	O
and	O
therefore	O
these	O
visitors	O
to	O
the	O
US	O
will	O
receive	O
a	O
'	O
Could	O
Not	O
Complete	O
Payment	O
 '	O
error	O
on	O
the	O
iPhone	B-Device
screen	O
and	O
an	O
error	O
on	O
the	O
terminal	O
when	O
attempting	O
to	O
use	O
Apple	B-Application
Pay	I-Application
.	O
</s>
<s>
Apple	O
Cash	O
,	O
formerly	O
Apple	B-Application
Pay	I-Application
Cash	O
,	O
is	O
a	O
feature	O
that	O
allows	O
the	O
transfer	O
of	O
money	O
from	O
one	O
user	O
to	O
another	O
via	O
iMessage	O
.	O
</s>
<s>
When	O
a	O
user	O
receives	O
a	O
payment	O
,	O
the	O
funds	O
are	O
deposited	O
in	O
the	O
recipient	O
's	O
Apple	O
Cash	O
card	O
,	O
where	O
it	O
is	O
available	O
for	O
immediate	O
use	O
at	O
merchants	O
that	O
accept	O
Apple	B-Application
Pay	I-Application
.	O
</s>
<s>
Apple	B-Application
Pay	I-Application
does	O
not	O
cause	O
additional	O
fees	O
for	O
users	O
and	O
merchants	O
.	O
</s>
<s>
Others	O
close	O
to	O
the	O
project	O
did	O
not	O
know	O
it	O
was	O
named	O
"	O
Apple	B-Application
Pay	I-Application
"	O
until	O
the	O
announcement	O
.	O
</s>
<s>
The	O
service	O
was	O
announced	O
at	O
Apple	O
's	O
iPhone	B-Operating_System
6	I-Operating_System
event	O
on	O
September	O
9	O
,	O
2014	O
.	O
</s>
<s>
The	O
iOS	O
8.1	O
software	O
update	O
accompanying	O
the	O
service	O
's	O
launch	O
activated	O
Apple	B-Application
Pay	I-Application
on	O
compatible	O
devices	O
.	O
</s>
<s>
The	O
company	O
announced	O
an	O
API	O
for	O
app	O
developers	O
to	O
build	O
Apple	B-Application
Pay	I-Application
checkout	O
into	O
their	O
apps	O
.	O
</s>
<s>
On	O
December	O
17	O
,	O
2015	O
,	O
Apple	O
announced	O
that	O
it	O
would	O
launch	O
Apple	B-Application
Pay	I-Application
with	O
fifteen	O
major	O
banks	O
in	O
China	O
,	O
and	O
Chinese	O
users	O
could	O
start	O
to	O
use	O
Apple	B-Application
Pay	I-Application
on	O
February	O
18	O
,	O
2016	O
.	O
</s>
<s>
In	O
October	O
2015	O
,	O
Apple	B-Application
Pay	I-Application
vice	O
president	O
Jennifer	O
Bailey	O
confirmed	O
that	O
KFC	O
,	O
Chili	O
's	O
,	O
and	O
Starbucks	O
would	O
begin	O
accepting	O
Apple	B-Application
Pay	I-Application
in	O
2016	O
.	O
</s>
<s>
Bank	O
of	O
America	O
is	O
outfitting	O
some	O
of	O
its	O
ATMs	O
with	O
Apple	B-Application
Pay	I-Application
support	O
and	O
the	O
ability	O
to	O
withdraw	O
cash	O
using	O
it	O
.	O
</s>
<s>
The	O
new	O
Apple	B-Application
Pay	I-Application
enabled	O
ATM	O
is	O
outfitted	O
with	O
the	O
NFC	O
reader	O
and	O
logo	O
that	O
Apple	B-Application
Pay	I-Application
users	O
have	O
become	O
used	O
to	O
seeing	O
since	O
the	O
service	O
launched	O
.	O
</s>
<s>
Bank	O
of	O
America	O
has	O
launched	O
a	O
new	O
website	O
detailing	O
the	O
simple	O
process	O
of	O
withdrawing	O
cash	O
with	O
a	O
smartphone	B-Application
(	O
Google	B-Application
Pay	I-Application
,	O
Samsung	B-Application
Pay	I-Application
,	O
or	O
Apple	B-Application
Pay	I-Application
)	O
.	O
</s>
<s>
Wells	O
Fargo	O
and	O
JPMorgan	O
Chase	O
also	O
integrated	O
Apple	B-Application
Pay	I-Application
support	O
into	O
their	O
ATMs	O
.	O
</s>
<s>
On	O
September	O
7	O
,	O
2016	O
,	O
Apple	O
announced	O
that	O
iPhone	B-Application
7	I-Application
and	O
Apple	B-Device
Watch	I-Device
Series	I-Device
2	I-Device
users	O
in	O
Japan	O
can	O
add	O
both	O
local	O
credit	O
cards	O
and	O
FeliCa	O
cards	O
to	O
their	O
Apple	B-Application
Pay	I-Application
wallets	O
.	O
</s>
<s>
Only	O
Suica	O
cards	O
are	O
supported	O
by	O
Apple	B-Application
Pay	I-Application
,	O
which	O
can	O
be	O
used	O
at	O
subway	O
stations	O
,	O
convenience	O
stores	O
,	O
etc.	O
,	O
just	O
like	O
regular	O
Suica	O
cards	O
.	O
</s>
<s>
Apple	B-Application
Pay	I-Application
also	O
supports	O
payment	O
via	O
all	O
QUICPay	O
and	O
iD	O
enabled	O
terminals	O
that	O
are	O
already	O
popular	O
in	O
Japan	O
.	O
</s>
<s>
In	O
June	O
2020	O
,	O
it	O
was	O
announced	O
that	O
the	O
European	O
Commission	O
(	O
EC	O
)	O
will	O
take	O
two	O
probes	O
against	O
Apple	O
,	O
one	O
focused	O
on	O
Apple	B-Application
Pay	I-Application
.	O
</s>
<s>
According	O
to	O
EC	O
,	O
Apple	O
was	O
abusing	O
its	O
control	O
of	O
its	O
payment	O
wallet	O
by	O
blocking	O
third-party	O
payment	O
access	O
to	O
the	O
NFC	O
hardware	O
that	O
enabled	O
contactless	B-Application
payments	I-Application
.	O
</s>
<s>
Apple	B-Application
Pay	I-Application
can	O
be	O
used	O
with	O
cards	O
issued	O
in	O
76	O
countries	O
and	O
territories	O
worldwide	O
.	O
</s>
<s>
Japanese	O
Visa	O
cards	O
in	O
Apple	B-Application
Pay	I-Application
also	O
function	O
as	O
FeliCa-based	O
QUICPay	O
or	O
iD	O
cards	O
in	O
addition	O
to	O
EMV	O
contactless	O
cards	O
,	O
although	O
some	O
issuers	O
do	O
not	O
support	O
EMV	O
contactless	O
in	O
Apple	B-Application
Pay	I-Application
,	O
meaning	O
such	O
cards	O
will	O
only	O
function	O
as	O
QUICPay	O
or	O
iD	O
cards	O
.	O
)	O
</s>
<s>
Japanese	O
Mastercard	O
cards	O
in	O
Apple	B-Application
Pay	I-Application
also	O
function	O
as	O
FeliCa-based	O
QUICPay	O
or	O
iD	O
cards	O
in	O
addition	O
to	O
EMV	O
contactless	O
cards	O
,	O
although	O
some	O
issuers	O
do	O
not	O
support	O
EMV	O
contactless	O
in	O
Apple	B-Application
Pay	I-Application
,	O
meaning	O
such	O
cards	O
will	O
only	O
function	O
as	O
QUICPay	O
or	O
iD	O
cards	O
.	O
)	O
</s>
<s>
Japanese	O
American	O
Express	O
cards	O
in	O
Apple	B-Application
Pay	I-Application
also	O
function	O
as	O
FeliCa-based	O
QUICPay	O
cards	O
in	O
addition	O
to	O
EMV	O
contactless	O
cards	O
.	O
)	O
</s>
<s>
U.S.	O
Debit	O
(	O
only	O
in	O
the	O
U.S.	O
CDCVM	B-Application
may	O
not	O
be	O
supported	O
,	O
requiring	O
the	O
customer	O
to	O
enter	O
their	O
PIN	O
on	O
the	O
terminal	O
.	O
)	O
</s>
<s>
Japanese	O
JCB	O
cards	O
in	O
Apple	B-Application
Pay	I-Application
also	O
function	O
as	O
FeliCa-based	O
QUICPay	O
or	O
iD	O
cards	O
in	O
addition	O
to	O
EMV	O
contactless	O
cards	O
,	O
although	O
some	O
issuers	O
do	O
not	O
support	O
EMV	O
contactless	O
in	O
Apple	B-Application
Pay	I-Application
,	O
meaning	O
such	O
cards	O
will	O
only	O
function	O
as	O
QUICPay	O
or	O
iD	O
cards	O
.	O
)	O
</s>
<s>
FeliCa-supported	O
iPhone	B-Device
and	O
Apple	B-Device
Watch	I-Device
models	O
only	O
.	O
)	O
</s>
<s>
FeliCa-supported	O
iPhone	B-Device
and	O
Apple	B-Device
Watch	I-Device
models	O
only	O
.	O
)	O
</s>
<s>
For	O
public	O
transport	O
systems	O
where	O
payment	O
cards	O
can	O
be	O
used	O
,	O
passengers	O
can	O
travel	O
with	O
Apple	B-Application
Pay	I-Application
without	O
authenticating	O
each	O
transaction	O
.	O
</s>
<s>
In	O
addition	O
to	O
the	O
above	O
scenarios	O
,	O
Apple	B-Application
Pay	I-Application
can	O
still	O
be	O
used	O
with	O
other	O
non-Express	O
Transit/Travel	O
readers	O
that	O
accept	O
contactless	O
open	O
loop	O
payment	O
cards	O
,	O
but	O
they	O
will	O
have	O
to	O
be	O
verified	O
beforehand	O
.	O
</s>
<s>
Journalists	O
noted	O
the	O
multiple	O
previously	O
unsuccessful	O
efforts	O
of	O
other	O
retailers	O
to	O
build	O
mobile	O
payments	O
services	O
,	O
including	O
those	O
of	O
PayPal	O
,	O
Walmart	O
,	O
Target	O
,	O
Google	B-Application
Wallet	I-Application
,	O
and	O
Softcard	B-Device
.	O
</s>
<s>
They	O
noted	O
that	O
previous	O
efforts	O
did	O
not	O
solve	O
customer	O
inconvenience	O
issues	O
,	O
and	O
felt	O
that	O
Apple	B-Application
Pay	I-Application
potentially	O
did	O
.	O
</s>
<s>
The	O
Verge	O
Dieter	O
Bohn	O
called	O
Apple	B-Application
Pay	I-Application
the	O
"	O
week	O
's	O
most	O
revolutionary	O
product	O
"	O
and	O
the	O
announcement	O
"	O
a	O
classic	O
Apple	O
moment	O
of	O
simplification	O
and	O
integration	O
"	O
,	O
and	O
the	O
partnership	O
between	O
payments	O
services	O
and	O
Apple	O
"	O
a	O
rare	O
piece	O
of	O
collaboration	O
and	O
agreement	O
"	O
.	O
</s>
<s>
He	O
predicted	O
that	O
the	O
service	O
's	O
effect	O
on	O
the	O
mobile	O
payments	O
industry	O
would	O
be	O
similar	O
to	O
the	O
iPhone	B-Device
's	O
effect	O
on	O
the	O
smartphone	B-Application
industry	O
.	O
</s>
<s>
The	O
banks	O
were	O
willing	O
to	O
work	O
with	O
Apple	O
in	O
the	O
face	O
of	O
efforts	O
like	O
Bitcoin	B-Protocol
and	O
the	O
Merchant	O
Customer	O
Exchange	O
,	O
which	O
seeks	O
to	O
work	O
around	O
the	O
card	O
networks	O
.	O
</s>
<s>
In	O
a	O
2018	O
publication	O
released	O
by	O
Consumer	O
Reports	O
,	O
Apple	B-Application
Pay	I-Application
Cash	O
was	O
the	O
leading	O
peer-to-peer	O
payment	O
service	O
.	O
</s>
<s>
Apple	O
announced	O
that	O
more	O
than	O
one	O
million	O
credit	O
cards	O
had	O
been	O
registered	O
on	O
Apple	B-Application
Pay	I-Application
in	O
the	O
first	O
three	O
days	O
of	O
its	O
availability	O
,	O
making	O
it	O
the	O
largest	O
mobile	O
payment	O
system	O
in	O
the	O
US	O
at	O
the	O
time	O
.	O
</s>
<s>
Several	O
participants	O
of	O
CurrentC	O
,	O
such	O
as	O
Best	O
Buy	O
,	O
Walmart	O
,	O
and	O
Publix	O
had	O
initially	O
stated	O
that	O
they	O
would	O
not	O
accept	O
Apple	B-Application
Pay	I-Application
as	O
a	O
result	O
of	O
exclusivity	O
deals	O
.	O
</s>
<s>
Best	O
Buy	O
has	O
begun	O
to	O
accept	O
Apple	B-Application
Pay	I-Application
at	O
all	O
stores	O
starting	O
in	O
October	O
2015	O
.	O
</s>
<s>
Target	O
's	O
CEO	O
Brian	O
Cornell	O
said	O
that	O
they	O
would	O
be	O
open	O
to	O
accepting	O
Apple	B-Application
Pay	I-Application
eventually	O
after	O
the	O
conversion	O
to	O
chip	O
and	O
PIN	O
technology	O
is	O
done	O
,	O
but	O
they	O
remain	O
involved	O
with	O
MCX	O
.	O
</s>
<s>
On	O
January	O
22	O
,	O
2019	O
,	O
Target	O
announced	O
the	O
roll-out	O
of	O
Apple	B-Application
Pay	I-Application
support	O
to	O
all	O
of	O
its	O
US	O
stores	O
.	O
</s>
<s>
Transport	O
for	O
London	O
,	O
one	O
of	O
Apple	B-Application
Pay	I-Application
's	O
official	O
UK	O
launch	O
partners	O
and	O
one	O
of	O
the	O
largest	O
contactless	O
merchants	O
in	O
the	O
world	O
,	O
became	O
the	O
UK	O
's	O
most	O
used	O
Apple	B-Application
Pay	I-Application
merchant	O
.	O
</s>
<s>
As	O
of	O
February	O
11	O
,	O
2016	O
,	O
20%	O
of	O
iPhone	B-Operating_System
6	I-Operating_System
users	O
in	O
the	O
United	O
States	O
reported	O
using	O
the	O
service	O
at	O
least	O
once	O
.	O
</s>
<s>
Apple	O
maintains	O
an	O
up-to-date	O
list	O
of	O
merchants	O
who	O
accept	O
Apple	B-Application
Pay	I-Application
on	O
its	O
website	O
.	O
</s>
<s>
On	O
June	O
2	O
,	O
2016	O
,	O
according	O
to	O
Fortune	O
,	O
Apple	O
said	O
its	O
mobile	O
payment	O
platform	O
is	O
gaining	O
a	O
million	O
new	O
users	O
each	O
week	O
,	O
yet	O
the	O
company	O
did	O
not	O
reveal	O
the	O
total	O
number	O
of	O
Apple	B-Application
Pay	I-Application
users	O
.	O
</s>
<s>
With	O
the	O
launch	O
of	O
Apple	B-Application
Pay	I-Application
in	O
China	O
,	O
the	O
service	O
hit	O
three	O
million	O
provisions	O
inside	O
its	O
first	O
three	O
days	O
,	O
while	O
,	O
more	O
generally	O
,	O
it	O
is	O
adding	O
one	O
million	O
new	O
users	O
per	O
week	O
worldwide	O
.	O
</s>
<s>
On	O
July	O
11	O
,	O
2016	O
Liquor	O
Control	O
Board	O
of	O
Ontario	B-Architecture
(	O
LCBO	O
)	O
confirmed	O
that	O
it	O
accepts	O
Apple	B-Application
Pay	I-Application
at	O
all	O
of	O
its	O
over	O
850	O
stores	O
in	O
Ontario	B-Architecture
,	O
Canada	O
.	O
</s>
<s>
LCBO	O
had	O
been	O
gradually	O
rolling	O
out	O
Apple	B-Application
Pay	I-Application
support	O
since	O
June	O
at	O
its	O
stores	O
,	O
which	O
had	O
NFC-based	O
terminals	O
for	O
contactless	B-Application
payments	I-Application
.	O
</s>
<s>
Starting	O
on	O
August	O
19	O
,	O
2016	O
,	O
Apple	B-Application
Pay	I-Application
will	O
be	O
available	O
in	O
Chick-fil-A	O
restaurants	O
across	O
the	O
United	O
States	O
,	O
allowing	O
fast	O
food	O
buyers	O
to	O
make	O
their	O
purchases	O
both	O
in-store	O
and	O
at	O
the	O
drive-thru	O
using	O
Apple	B-Application
Pay	I-Application
.	O
</s>
<s>
On	O
September	O
7	O
,	O
2016	O
,	O
Wayfair	O
announced	O
that	O
they	O
will	O
support	O
Apple	B-Application
Pay	I-Application
online	O
.	O
</s>
<s>
On	O
May	O
22	O
,	O
2018	O
,	O
TransLink	O
announced	O
support	O
for	O
Apple	B-Application
Pay	I-Application
at	O
all	O
fare	O
gates	O
and	O
on	O
buses	O
.	O
</s>
<s>
On	O
May	O
31	O
,	O
2019	O
New	O
York	O
City	O
Transit	O
announced	O
support	O
for	O
Apple	B-Application
Pay	I-Application
at	O
its	O
OMNY	O
terminals	O
on	O
busses	O
and	O
subways	O
.	O
</s>
<s>
On	O
August	O
21	O
,	O
2019	O
,	O
and	O
December	O
23	O
,	O
2019	O
,	O
Miami	O
Dade	O
Transit	O
announced	O
support	O
for	O
Apple	B-Application
Pay	I-Application
at	O
all	O
fare	O
gates	O
and	O
on	O
buses	O
.	O
</s>
<s>
In	O
Feb	O
2020	O
,	O
Apple	B-Application
Pay	I-Application
accounted	O
for	O
5%	O
of	O
global	O
card	O
transactions	O
.	O
</s>
<s>
On	O
April	O
4	O
,	O
2020	O
,	O
Publix	O
CEO	O
Todd	O
Jones	O
announced	O
Publix	O
would	O
be	O
supporting	O
Apple	B-Application
Pay	I-Application
immediately	O
to	O
help	O
consumers	O
fight	O
COVID-19	O
.	O
</s>
