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Wondering how to use Apple Pay? Here’s a quick and easy guide on how to add your credit or debit card to Apple Pay and start making contactless payments with your iPhone apple watch
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Introduction
Apple Pay is a mobile payment and digital wallet service by Apple Inc. that lets users make payments using an iPhone,apple watch iPad or Mac. Apple Pay does not require Apple Pay-specific contactless payment terminals, and can work with existing terminals that accept contactless payments. The service is compatible with many major credit and debit cards from almost all national card issuers. Apple Pay uses the Near Field Communications (NFC) protocol for making payments.
use apple pay you need an iPhone 6 or later, or an iPad Pro, iPad Air 2 or later, or iPad mini 3 or later. You also need to have iCloud set up on your device and be signed in with apple id If you’re using an iPhone, you also need to have Touch ID set up. If you’re using an iPad, you need to have Face ID or Touch ID set up. If you’re using a Mac, you need to have an NFC-enabled Apple Watch or iPhone 6 or later with iOS 11 or later to make purchases in stores.
What is Apple Pay?
Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. It is supported on the iPhone, Apple Watch, iPad, and Mac. It was first released in the United States in October 2014, followed by the United Kingdom in July 2015. The service allows users to store credit cards from participating card issuers on file, and use an iPhone or Apple Watch to pay for items either online or in stores that accept contactless payments. To pay at POS, shoppers wave their devices near a contactless reader while keeping a finger on Touch ID or Face ID. For online payments, shoppers choose Apple Pay as their payment method at checkout and authenticate the transaction with Touch ID or Face ID.
How use apple pay
Apple Pay is a convenient way to pay for purchases both online and in store using your iPhone, iPad, Apple Watch, or Mac. You can use apple pay to send and receive money with friends and family. Here’s how to get started.
Setting up Apple Pay
Whether you’re using Apple Pay for the first time or you’re already an expert, here’s everything you need to know about setting it up on your iPhone, iPad, Apple Watch, and Mac.
Apple Pay is easy to set up and easy to use. In a few quick steps, you can start making secure purchases in stores, in apps, and online. And because your card details are never shared by Apple when use apple pay making payments with your iPhone or iPad is actually more secure than using the physical credit or debit card itself.
Here’s everything you need to know about setting up and using Apple Pay.
How to set up Apple Pay on your iPhone
If you want to use Apple Pay on your iPhone, you’ll need to add a credit or debit card first. You can do this in the Settings app:
1. Open the Settings app on your iPhone.
2. Tap Wallet & Apple Pay.
3. Tap Add Credit or Debit Card.
4. Use your iPhone’s camera to capture your card information, or enter it manually. If you’re asked to add the card that you use with your iTunes account, cards on other devices, or cards that you’ve recently removed from Wallet, choose them from the list.5 After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.6
How to set up Apple Pay on your iPad
You can also set up Apple Pay on your iPad:
1. Open the Settings app on your iPad.
2. Tap Wallet & Apple Pay.
3 .Tap Add Credit or Debit Card.4 If you’re asked for a verification code from a previous device or browser session with this same card owner, enter it now so that subsequent sign-ins are more seamless.”
Adding a Credit or Debit Card to Apple Pay
To use Apple Pay, you need to add a credit or debit card to the Wallet app on your iPhone or iPad. If you’re using an iPhone, you can also add your card to Apple Watch.
If you’re using iOS 10.1 or later and you added a card to Wallet on your iPhone, open Wallet on your iPad and tap Settings > Default Card. Then, choose the card that you want to use for Apple Pay.
To add a card on your iPhone:
1. Open the Wallet app and tap .
2. Tap Add Credit or Debit Card.
3. Follow the steps to add a new card. If you’re asked to add the card that you use with your iTunes account, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security codes.
4. Tap Next. Your bank or card issuer verification might take a few days or longer after you add your card to Wallet. If they need more information from you, they’ll ask for it in Wallet
If prompted, sign in with Touch ID or Face ID You might be asked to verify your identity with SMS Most cards can be verified instantly so that you can start using them with Apple Pay as soon as they’re added
Using Apple Pay
Apple Pay is a secure and easy way to make payments using your iPhone, iPad, or Apple Watch. If you’re using one of these devices and you see the Apple Pay logo or a contactless payment terminal, you can pay with Apple Pay. Here’s how:
-To pay, hold your iPhone or iPad near the contactless payment terminal.
-If your default card doesn’t appear, tap it on your device. Or, if you want to pay with a different card, tap , then choose an option:
-If you have an iPhone 8 or earlier or an iPad: Double-click the side button, then tap your desired card.
-If you have an iPhone X or later: Rest your finger on Touch ID or double-click the side button, then glance at your iPhone to authenticate with Face ID (or enter your passcode). Then tap your desired card.
-Wait for Done and a checkmark to appear on the screen before removing your device from the reader — don’t remove it too soon. You might need to sign a receipt or enter a PIN.
Apple Pay Security
When you use a credit or debit card with Apple Pay, the actual card numbers are not stored on your device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and iPad. Each transaction is authorized with a one-time unique dynamic security code.
Your full card number is never shared by Apple with merchants or transmitted with payment. And when you pay, your card numbers are never shared by Apple with merchants. In addition, paying in stores or within apps doesnt require Wi-Fi, so if you cant make a call, you can still pay.
To use Apple Pay in stores, hold your iPhone up to the contactless reader with your finger on Touch ID. A subtle vibration lets you know that your payment information was successfully sent. You dont even need to look at the screen to know its done. If prompted for a PIN or signiture after paying, you can complete the transaction just like you would by swiping or dipping your card.
When shopping in apps or on websites in Safari on iPhone and iPad, look for the Apple Pay button or choose Apple Pay as your payment method at checkout. Confirm your payment with Touch ID or Face ID on iPhone or iPad, or double-click the side button and glance at your iPhone X to authenticate with Face ID.
Frequently Asked Questions
Since its launch in 2014, Apple Pay has become a popular way to pay for items using your iPhone, iPad, or Apple Watch. Apple Pay can be used at millions of stores, including many online retailers. You can also use Apple Pay to make in-app purchases. Keep reading to learn how to use Apple Pay.
How do I know if a store accepts Apple Pay?
Most major retailers and restaurants accept Apple Pay, and that list is growing all the time. You can also use Apple Pay in many apps. To see a list of stores that accept Apple Pay, visit Apple’s website.
When you’re shopping in a store, look for one of these symbols at checkout:
If you don’t see either symbol and are unsure if the store accepts Apple Pay, you can always ask the cashier.
What if my iPhone is lost or stolen and I have Apple Pay set up?
If you lose your iPhone or it’s stolen, you can suspend or remove your cards from Apple Pay using Find My iPhone. This will prevent anyone from using your cards with Apple Pay on that device. To do this, go toSettings > iCloud, then turn off Apple Pay. If you don’t have Find My iPhone set up on your device, you can still call your card issuer tosuspend or remove your cards from Apple Pay.
Can I use Apple Pay if I don’t have an iPhone?
As of now, Apple Pay is only available to users with an iPhone 6 or later. In order to use Apple Pay, you must have a device that is compatible with Near Field Communication technology (NFC).
How do I set up Apple Pay on my Apple Watch?
1. Open the Apple Watch app on your iPhone, then tap the My Watch tab.
2. Tap Wallet & Apple Pay, then tap Continue.
3. Position your iPhone so that your watch appears in the viewfinder in the Wallet app.
4. When you see a message that says Hold Near Reader, double-click the side button on your watch. If you’re asked to enter a PIN, double-click the side button and hold it down until you see Disable Passcode.
5. Center your watch face over the contactless reader, then wait until you feel a vibration and hear a tone. You might need to sign a receipt or enter your PIN.
How do I use Apple Pay with Siri?
You can ask Siri to pay with Apple Pay when you’re using certain apps. Just say “Pay with Apple Pay” or use one of these shortcuts.
If you’re buying something on the web in Safari, you can use Apple Pay without opening an app. Just look for the Apple Pay button at checkout and complete your purchase with Touch ID or Face ID. On your iPhone, you can also pay in stores and restaurants that accept contactless payments. Look for one of these symbols at checkout:
When you see one of these symbols, hold your iPhone near the reader to pay. You might need to authenticate with Touch ID or Face ID.
Is there a limit to how much I can spend with Apple Pay?
No. You can use Apple Pay as often as you like, and there are no limits to how much you can spend.
