Apple Pay is a contactless payment method that allows you to pay for goods and services with your iPhone, Apple Watch, iPad, or Mac. It is a secure and convenient way to pay, and it is accepted by millions of merchants around the world.
In this article, I will show you step-by-step how to set up and use Apple Pay on your iPhone. If you are looking forward to making payments on your iPhone, kindly read the details provided below.
Steps to Set Up Apple Pay
Before you can start using Apple Pay, you’ll need to set it up on your iPhone. Here’s how to get started:
STEP #1: Check Compatibility. Ensure that your device supports Apple Pay. It is compatible with iPhone 6 and later models, as well as most Apple Watch versions.
STEP #2: Add a Payment Card: To add your credit or debit card to Apple Pay, follow these steps:
- Open the Wallet app on your device.
- Click on the “+” sign to add a new card.
- Follow the on-screen prompts to add your card. You can either use your device’s camera to scan your card or enter the details manually.
- Verify your card with your bank by receiving a one-time code through text, email, or a phone call.
STEP #3: Set a Default Card: If you have multiple cards in your Wallet, you can designate one as your default card for quick and easy access.
STEP #4: Enable Touch ID or Face ID: To ensure security, enable Touch ID or Face ID (depending on your device) for authorizing payments with a fingerprint or facial recognition.
STEP #5: Verify Billing and Shipping Information: Make sure your billing and shipping information is up-to-date in the Wallet app to streamline the checkout process.
These are the steps for setting up Apple Pay on your iPhone and Apple Watch.
How to Use Apple Pay In-Store
Once you’ve set up Apple Pay, making in-store purchases is a breeze:
- Locate a Contactless Payment Terminal: Look for the contactless payment symbol at the checkout counter. It typically resembles a Wi-Fi signal.
- Double-Click the Side Button: For iPhone X or later, double-click the side button while your phone is awake and held near the payment terminal. For older iPhones, use your fingerprint or Face ID to authenticate.
- Hold Your Device Near the Terminal: Hold your device close to the terminal until you feel a vibration or hear a beep. Your payment information will be transmitted securely.
- Authenticate with Touch ID or Face ID: Depending on your device and settings, you may need to confirm the transaction with Touch ID or Face ID.
How to Use Apple Pay In-App and Online
Apple Pay is not limited to in-store purchases. You can also use it to pay for goods and services within apps and websites. Here’s how:
- Select Apple Pay: When you’re ready to make a purchase, look for the Apple Pay option during checkout.
- Authenticate with Touch ID or Face ID: Confirm your payment with your fingerprint or facial recognition.
- Complete Your Purchase: Review your order and confirm your payment. Your card information will be securely transmitted, and your order will be processed.
Apple Pay is designed with security and privacy in mind. Apple Pay assigns a unique Device Account Number to each card, which is encrypted and stored securely.
What is Apple Pay, and how does it work?
Apple Pay is a mobile payment system that allows you to make purchases using your iPhone or Apple Watch. It securely stores your credit and debit card information and uses encryption and authentication methods to make payments both in-store and online.
Which devices are compatible with Apple Pay?
Apple Pay is compatible with iPhone 6 and later models, as well as most Apple Watch versions. Additionally, it works on iPads for online and in-app purchases.
How do I add my payment cards to Apple Pay?
Open the Wallet app on your device, tap the “+” sign to add a new card, and follow the on-screen prompts to add your card. You can either scan your card using your device’s camera or enter the details manually.
Is it safe to use Apple Pay?
Yes, Apple Pay is designed with security in mind. Your card numbers are never stored on your device or Apple’s servers. Instead, a unique Device Account Number is used for transactions, which is encrypted and secure.
Can I use Apple Pay in physical stores?
Yes, you can use Apple Pay at any store that accepts contactless payments. Look for the contactless payment symbol at the checkout counter, hold your device near the terminal, and authenticate the payment with your fingerprint or facial recognition.
How do I use Apple Pay for in-app and online purchases?
When making a purchase within an app or website, select the Apple Pay option during checkout. Authenticate the payment with Touch ID or Face ID, and your payment will be processed securely.
Can I use Apple Pay for online purchases on my computer?
As of my last update in September 2021, Apple Pay was primarily designed for mobile devices. However, you can use it for online purchases made on your iPhone, iPad, or Apple Watch.
Can I change my default payment card in Apple Pay?
Yes, you can change your default payment card in the Wallet app. Simply go to your Wallet settings and select a new default card.
What should I do if my iPhone or Apple Watch is lost or stolen?
If your device is lost or stolen, you can use the “Find My iPhone” feature to suspend or remove your cards from Apple Pay remotely. This helps prevent the unauthorized use of your payment information. Learn more on how to use this feature.
Is there a fee for using Apple Pay?
Apple Pay itself does not charge any fees for making payments. However, some banks or credit card issuers may have their own fees or terms associated with using Apple Pay, so it’s a good idea to check with them for specific details.