While Apple Pay - Apple's new way of allowing people to purchase items with their smartphones - was officially released on Monday, October 20, there are many who might still be skeptical of the new feature. Industry experts have said that while this system has the potential to eventually become more secure and safe to use than traditional methods of payment, it is still something that is very new and relatively untested. While you might be eager to start using Apple Pay, it is best to approach the feature with caution, in order to protect your personal finances.

Here are a few ways to stay secure with Apple Pay:

• Don't add all of your cards: When you set up your account with Apple Pay, you should only add one credit card. This will ensure that there is minimal risk to your accounts if you should encounter an issue down the road, as only one card will be impacted.
• Monitor your accounts: You very likely already keep a close eye on all of your accounts, but you will need to be extra vigilant when you start using Apple Pay. Make sure that you are only being charged the exact amount that you have spent and aren't unknowingly being overcharged.
• Only buy what you need: As with all new systems, Apple Pay will take a while for everybody to get used to and comfortable with. The first purchases you make should only be items you know you will want to keep, as a return could be too complicated for an employee new to the app to complete.

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