Apple Pay Shown to Work Internationally Using U.S.-Based Credit Cards

Apple Pay launched on Monday with iOS 8.1, allowing iPhone 6 and 6 Plus owners to make contactless payments via NFC with Touch ID for authentication.

Though the initial launch is occurring in the United States where Apple has focused its efforts on getting credit card companies, banks, and retailers on board, international iPhone owners can also take advantage of Apple Pay if they have a supported U.S.-based credit card, as documented in Whirlpool forums and pointed out by Australian Beau Giles. Users in the United Arab Emirates and elsewhere have also successfully used Apple Pay.

To use Apple Pay in countries outside the U.S., Giles notes that iPhone owners need to change the region for their phones from their home countries to the United States. This enables Apple Pay, which will accept participating credit cards issued by U.S. banks.

To show the Apple Pay settings, simply open the Settings app on your iPhone (or iPad mini 3 or iPad Air 2), tap on General, Tap on Language & Region, and tap on ‘Region’. Change it to the United States.

Now you should be able to visit Passbook and see the option to set up Apple Pay.

Once an iPhone is configured with the appropriate U.S. credentials, international owners can use Apple Pay at point-of-sale terminals that support NFC payments. Australians, for example, can use Apple Pay at locations that accept MasterCard PayPass, Visa payWave, or American Express ExpressPay payments.

As Giles points out, the situation is not ideal for natives of countries outside of the U.S., as using a U.S. credit card for these purchases will incur currency conversion fees that can increase costs significantly. But for U.S. users traveling abroad or for international users who have U.S. credit cards and simply want to try out the service, Apple Pay does indeed function internationally.

Though Apple Pay is officially supported in the U.S. for the time being, the mobile payment solution is designed to work with existing payment terminals around the world. Once banks begin to work with Apple and offer support for Apple Pay, the expansion of the program into international countries should be relatively easy.

Update 7:49 AM: TechSmartt has posted a video walkthrough of Apple Pay setup and usage at a vending machine in Canada.