J.C. Penney has rolled out Apple Pay to its stores, in an effort to make shopping faster and easier for customers.
Penney’s said Apple Pay is “an easy, secure and private way to pay.” Penney’s will also make its credit card available on Apple Pay, which allows credit card users to earn shopping points through the J.C. Penney Rewards loyalty program.
“With Apple Pay at J.C. Penney, we’re able to offer a faster, more seamless checkout process by allowing our customers to pay for their purchases by simply holding their iPhone or Apple Watch near a point-of-sale terminal, rather than inserting a chip card,” said Therace Risch, Penney’s chief information officer, in a statement. “And with the added convenience of our credit card as a payment option via Apple Pay, we’re giving customers another compelling reason to join our credit card and loyalty programs.”
In stores, Apple Pay works with iPhone 7, iPhone 7 Plus, iPhone 6S, iPhone 6S Plus, iPhone 6, iPhone 6 Plus, iPhone SE and Apple Watch. Penney’s has over 1,000 stores.
Lots of retailers, restaurants and other businesses accept Apple Pay including American Eagle Outfitters, Bloomingdale’s, Foot Locker, Dunkin’ Donuts, Kohl’s, Macy’s, Barneys New York, Jet Blue and Best Buy. More companies are expected to offer the service.
Penney’s point-of-sale registers now process all Apple Pay-supported credit and debit bank cards, including the company’s credit card and cobranded MasterCard, both are issued by Synchrony Bank and can be used with Apple Pay. Customers can add their Penney’s credit card as a payment option to Apple Pay using the Wallet or Apple Watch app on their iPhone. Penney’s also said that soon customers with the Penney’s app on the iPhone or iPad will be able to purchase using Apple Pay.
“By enabling private-label card offerings to be supported in a digital environment, we’re providing the choice consumers want while delivering the customer engagement retailers demand,” said Linda Kirkpatrick, executive vice president, U.S. market development, MasterCard.
Penney’s pointed out that when customers add a payment card to Apple Pay, the actual card numbers are neither stored on the device, nor on Apple servers. Instead, a unique device account number is assigned, encrypted and securely stored in the secure element on the Apple device. Each transaction is authorized with a one-time unique dynamic security code.