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 and these were consolidated with the original Holman suit, bringing in additional plaintiffs and complaints: Timothy Smith, et al., v. Apple, Inc. et al., No. C 07-05662 RMW, adding complaints related to ringtones, and Kliegerman v. Apple, Inc., No. C 08-948, bringing in allegations under the federal Magnuson–Moss Warranty Act. The combined case title was changed to "In Re Apple & AT&TM Anti-Trust Litigation." The court appointed lead counsel from the various plaintiffs' lawyers, and several versions of a combined complaint were filed. In October 2008, the court denied the defendants' motions to dismiss the case on the federal claims