Apple Pay via Touch ID, Face ID, PIN or passcode. The service lets Apple devices wirelessly communicate with point of sale systems by using a near field communication (NFC) antenna, a "dedicated chip that stores encrypted payment information" (known as the Secure Element), and Apple's Touch ID and Wallet. It is available in the United States, United Kingdom, Canada, Australia, Brazil, UAE, Russia, China, New Zealand, Singapore, Japan, Taiwan, and Hong Kong, as well as various other European nations. Apple Pay supports most major credit cards or debit cards, including American Express, Visa, Mastercard and UnionPay etc. Supporting banks vary. The service
Apple Inc. litigation 2012. In June 2009, a group of consumers filed the class action suits "Owens v. Apple, Inc." and "Johnson v. Apple Inc." against Apple on behalf of American individuals who purchased iTunes gift cards and who were then unable to use the cards to purchase iTunes music at the price advertised on the card because Apple raised the price of the music after it sold the cards to consumers. The "Johnson" case absorbed the "Owens" case and was settled on February 10, 2012, with payments to be made to consumers by Apple. The "Owens" complaint alleged that Apple wrongfully marketed,