Apple Pay is now in Canada. The payment system, which allows users to pay for products and services with an iPhone by connecting merchants with credit card companies and banks via an app, is being hailed as a safer way to pay.

Apple Pay can be installed on an iPhone, iPad or an Apple Watch and it offers users a level of security that tap-and-go services on credit and bank debit cards don’t.

How? Tap-and-go services allow anyone holding the card to pay for a purchase simply by tapping the card on a merchant’s reader to make a payment.

Apple Pay is equally convenient, but requires users to enter a password or biometric information first, adding a layer of authentication to the whole process.

And merchants never see your identity, which can be a plus. As Apple states on their website:

“With Apple Pay, instead of using your actual credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone, iPad and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit card numbers are never shared by Apple with merchants or transmitted with payment.”

It sounds like a great new way to pay, but not everyone is on board. Some customers are finding it inconvenient that major Canadian banks like CIBC and BMO have signed on with Apple Pay and excluded non-Apple users from the service.

Some are calling for a mobile payment ‘Interac’ that would be accessible on all mobile devices for users with accounts in any major bank, to equal the playing field.

What if your iPhone, iPad or Apple Watch goes missing along with your payment abilities? Apple advises that you use Find My iPhone to put your device in Lost Mode to suspend Apple Pay.

You can also stop the ability to make payments from credit cards on your iPhone, iPad or Apple Watch with iCloud by logging in to and clicking on Settings.

For Apple-users, it’s time to celebrate. Wallets can now be easily left at home, at least for in-person visits to certain retailers . (Scroll to the bottom for a current list of participating stores in Canada).