How to Use Apple Pay
If you have an iPhone, Apple Pay is the best way to start making payments without touching a card reader. The digital wallet service is not only free to use, but it's already on your phone. You can use Apple Pay by adding a digital version of your debit or credit card to the Wallet app. Once you're set up, you can use Apple Pay to buy things online, in apps, and in-person without carrying cash, credit cards, or a separate wallet. You can also use Apple Pay in the Messages app to send money to friends and family. In some cities, you can even use Apple Pay to get around on public transportation instead of a transit pass. This guide has everything you need to get started with Apple Pay and some guides on how to use it.
How to set up Apple Pay
Checking to see if your device is compatible is always the first step, no matter what you're setting up. For iPhones, that means any model except the iPhone 5S that has Touch ID or Face ID. Apple Pay can also be used on some iPads with Touch ID or Face ID, as well as on all Apple Watches since the Series 1 model. Apple Pay may also work with Macs that have Touch ID. In any case, you can check here to see if the device you want to use is eligible.
Next, you'll need a credit or debit card that works with iCloud and an Apple ID that's signed in. During setup, you may be asked to sign in to your Apple ID if you haven't already.
How to set up Apple Pay on iPhone
To add a card on your iPhone:
1. Open the Wallet app.
2. Tap the + button.
3. Under Available Cards, choose Debit or Credit Card.
4. Tap Continue.
5. From here, you can either take a picture of your card or type in the information by hand.
6. Verify your card details.
7. Tap Agree on the Terms and Conditions.
8. Select whether you want the added card to be your default card.
9. You will now be asked to add your card to your Apple Watch if you have one. You can do this now or later.
10. Once you've done this on your iPhone, adding the same cards to your other Apple devices will be much easier. We suggest putting your cards on the iPhone first.
How to set up Apple Pay on Apple Watch
Make sure you've set up a passcode on your Apple Watch before you try to use Apple Pay. This is a must-have, and if you don't have it, you won't be able to use Apple Pay on the Watch.
To add a card to the Apple Watch:
1. On your iPhone, open the Watch app.
2. Click on My Watch.
3. Scroll down to Wallet and Apple Pay.
4. From here, you can do the same things as in the previous section.
5. If you've added cards to your iPhone before, you should be able to find them under "Other cards." To add a card to your Watch, tap the Add button next to it.
6. Verify your card details and you're done!
How to set up Apple Pay on iPad or Mac
You can use Apple Pay on the iPad, Mac, and in apps to buy things online and send money through the Messages app.
To set up Apple Pay on an iPad or Mac, do the following:
1. Go to Settings or System Preferences on your iPad (Mac).
2. Select Wallet & Apple Pay.
3. Choose "Add Card."
4. From here, you can see a list of Previous Cards under Available Cards.
5. Choose the cards you'd like to add.
6. Tap Continue.
7. Verify your card details and you're done!
How to use Apple Pay
You should take some time to set up your phone's settings before you start using it to pay. If you have more than one card in the Wallet app, you should choose which one you want to use most often. Also, you have to turn on the Apple Cash card if you want to send and receive money in the Messages app.
By default, Apple also needs some kind of two-factor authentication when you use Apple Pay. This is why you have to set up a passcode on the Watch or have a device that supports Touch ID or Face ID. But if you don't want to do that, you can use an Express Transit Card instead.
On the iPhone, Apple Watch, and iPad, go to Settings > Wallet & Apple Pay to find these settings. Go to System Preferences > Wallet & Apple Pay on a Mac to set up Apple Pay.
Apple Pay can be used in a number of ways, but most people will probably use it on their iPhones or Apple Watches. As long as you see these symbols where you want to use Apple Pay, you're good to go.
How to pay using Apple Pay
Double-click the side button on an iPhone with Face ID to pay. The default card will then show up, and the phone will try to identify you with Face ID. If it can't, it might ask you for your passcode. With Touch ID phones, the process is the same, but you'll verify your identity by putting your finger on the Touch ID button.
You can also double-click the side button on the Apple Watch to bring up your designated card. After that, you can hold your phone or Apple Watch over the payment reader.
If you want to buy something in an app or on a website in Safari, all you have to do is click on the Apple Pay button at checkout. From there, depending on the device, you'll be asked to prove who you are with Touch ID or Face ID. Once that's done, check your payment information and the card you want to use.
Pay with your iPhone
To use your default card:
1. Double-click the side button on your iPhone if it has Face ID. Face ID or your passcode will let you open Apple Wallet if you are asked.
2. Double-click the Home button if your iPhone has Touch ID.
3. Tap your default card to see your other cards and choose one to use. Tap a new card and confirm your identity.
4. Hold the top of your iPhone close to the contactless reader until the screen shows Done and a checkmark.
Pay with your Apple Watch
1. Double click the side button.
2. Your default card will open on its own. Scroll down to see more cards and pick one.
3. Hold the screen of your Apple Watch close to the contactless reader until you feel a light tap and hear a beep.
Pay using Apple Pay online or within apps
When you see Apple Pay as a payment option, you can use it to pay for things online in Safari2, 3 or in apps.
1. Tap the Apple Pay button or select Apple Pay as your method of payment.
2. Tap the Next button or the Expand Menu button next to your default card to pay with a different card.
3. Enter your billing, shipping, and contact information if you need to. This information is saved by Apple Pay, so you won't have to enter it again.
4. Verify the payment.
Double-click the side button on an iPhone or iPad with Face ID, then use Face ID or your passcode.
If you don't have Face ID on your iPhone or iPad, use Touch ID or your passcode.
Double-click the side button on your Apple Watch.
Follow the instructions on the Touch Bar and put your finger on Touch ID to use a Mac with Touch ID. If Touch ID isn't working, tap the Apple Pay icon on the Touch Bar and then follow the on-screen instructions.
If you don't have Touch ID on your Mac, confirm the payment on your iPhone or Apple Watch with Bluetooth. Make sure that the same Apple ID is used on all of your devices.
5. When your payment goes through, the screen will see Done and a checkmark.
How to send money with messages
To send money through the Messages app, both you and the person you're sending money to must be in the US and have an Apple Cash card. On your iPhone, go to Settings > Wallet & Apple Pay > Apple Cash to do this. After that, you can link the card to your bank account so you can put money on it. You can also send any balance you have on the card back to your bank.
Once Apple Cash is set up, all you have to do in an iMessage conversation is tap the Apple Pay or Apple Cash icon. From there, you'll be asked to enter an amount, after which you can ask for or send money.