When you use Apple Pay, purchases are totally wireless, fast, and more secure than if you used a physical credit or debit card. Even better: all you need is your iPhone; leave your wallet in your pocket or purse.
This article includes everything you need to know about using Apple Pay, including how to set it up, how to use it, where you can use it, and much more.
Apple Pay Requirements
In order to use Apple Pay, you need the following:
- A compatible device
- To be signed into iCloud on your devices.
- A credit or debit card from a bank that supports Apple Pay.
- A store or other entity that accepts Apple Pay for purchases.
How to Set Up Apple Pay on iPhone and iPad
Tap the Wallet app that comes pre-installed on your device to open it.
Tap + to start adding a card to Apple Pay.
Hold up the card you want to add in front of the iPhone or iPad camera so that it appears in the onscreen frame.
When the device recognizes and scans the card, the card data will appear on the screen.
If the camera can’t detect your card information for some reason, tap Enter Card Details Manually to type in the card information instead.
Follow the instructions from your bank to finish adding the card. You may need to enter information onscreen, call the bank to get a code, or something else. Different banks have different security procedures.
After you’ve verified your card with your bank, tap Next to complete the set up process.
Repeat this process for all the cards you want to add to Apple Pay.
How to Set Up Apple Pay on Apple Watch
On the iPhone paired with your Apple Watch, tap the Watch app to open it.
Tap Add Card and follow steps 3-6 from the last section.
How to Set Up Apple Pay on a Mac
Setting up Apple Pay for use on a Mac is pretty simple. As long as you have a compatible Mac, just go to System Preferences -> Wallet & Apple Pay -> click Add Card. Then follow steps 3-6 from the iPhone and iPad section earlier in this article.
How to Use Apple Pay to Buy in Stores
Once you’ve got Apple Pay set up, it’s time to start using it. To use Apple Pay to make purchases in stores, here’s what you need to do:
Confirm that the store accepts Apple Pay.
Go to the cash register to check out. When the time comes to pay, hold your iPhone or Apple Watch near the payment terminal where you would normally slide your credit card. Your device and the payment terminal communicate wirelessly using NFC (Near-Field Communications).
What happens next depends on the model you have.
Your transaction will be handled in the same way as if it used a debit or credit card, and your device will notify you when the transaction is approved.
The Different Ways to Use Apple Pay
Apple Pay can be used for a number of kinds of transactions, including:
- In Stores: This replaces using debit or credit cards for any purchases. This works for iPhones and the Apple Watch only.
- Online and In-App Purchases: For websites and online stores that accept Apple Pay.
- Sending Money to Friends and Family: Using Apple Pay Cash, you can send money to friends and family, a la Venmo. To do this, you’d use the Messages app on your iPhone.
- Mass Transit and Student ID: In some locations, you can buy bus, train, and other mass transit fares with Apple Pay. Some colleges and universities have also connected their student IDs to Apple Pay for on-campus transactions.
Where You Can Use Apple Pay
Both small independent stores and major international chains accept Apple Pay. A few big names include:
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