How To Use Apple Pay? Complete Guide

How To Use Apple Pay? The use of Apple Pay will empower you to make payments effortlessly and securely as technology continues to shape our daily lives.

This blog post will guide you through the ins and outs of Apple Pay, helping you take full advantage of its benefits and features, whether you’re a seasoned user or a newcomer.

The guide explains everything you need to know about Apple Pay – how it works in stores, how it works when someone sends you money, and how you link your payment card to Wallet. # Use Apple Pay

What is Apple Pay?

By adding your preferred payment method to your iPhone, iPad, Mac or Apple Watch, you can conveniently pay for items using Apple Pay.

To use Apple Pay in stores or online, just hold your mobile device near a payment terminal that accepts contactless payments, or select Apple Pay as the payment method when you shop.

Additionally, you can split a bill using Apple Pay and Apple Cash, or send money to other Apple users using Apple Pay and Apple Cash.

Among Apple Pay’s top advantages is that it makes shopping online much easier – you can pay with just your phone or watch during out and about, and you don’t have to enter your card details every time you shop online.

How does Apple Pay work?

Essentially, Apple Pay is similar to contactless card payments in stores. Once you’ve added your credit or debit card to your wallet, you can hold your phone near the payment terminal and near field communication technology in the terminal means the payment system will be able to detect your phone.

To confirm the payment, enter your passcode or use biometrics.

You don’t have to worry about your card number being stored on your device or Apple’s servers – and it isn’t passed to the merchant when you pay using Apple Pay.

You can use Apple Pay with the following devices¹:

  • Apple Watches
  • Macs with Touch ID
  • iPhones with Face ID and most iPhones with Touch ID
  • iPads with Face ID or Touch ID
  • 2012 or later Macs with a linked iPhone or Watch
  • Some Macs when paired with a Magic Keyboard

How to set up Apple Pay?

Apple Pay can be set up on compatible Apple devices by adding your credit or debit cards to the Wallet app. # set up Apple Pay

Here’s a step-by-step guide to setting it up:

Step 1: Ensure Device Compatibility:

If you want to use Apple Pay, you should have a compatible Apple device. Apple Pay is available on:

  • iPhone models with Face ID or Touch ID (iPhone 6 and later).
  • Apple Watch.
  • iPad models with Touch ID or Face ID.
  • Macs with Touch ID (in Safari browser).

Check that your device is up-to-date with the latest version of iOS, watchOS, or macOS.

Step 2: Open the Wallet App:

Open the “Wallet” app on your iPhone, iPad, or Apple Watch, or you can use Safari on a Mac with Touch ID. # set up Apple Pay

Step 3: Add a Credit or Debit Card:

Apple Pay can be added to a card by following these steps:

  • In the Wallet app, tap on the “+” (plus) icon.
  • To add your card, follow the instructions on the screen. You can scan your card or manually enter the card details.
  • You may be sent a verification code by text message, email, or phone call by Apple to verify your card.
  • Your card will be saved in the Wallet app once it has been added and verified.

Step 4: Set a Default Card (Optional):

With multiple cards added, you can set a default card for Apple Pay transactions. If you choose another card during the transaction, the default card will be used.

Step 5: Add Your Billing and Shipping Addresses:

The Wallet app requires that your billing and shipping addresses are correct. These details are used to complete online and in-app purchases.

Step 6: Start Using Apple Pay:

Apple Pay is now available in stores, online, and in supported apps. Here’s how to use it:

  • Pay with your iPhone or Apple Watch in-store by holding it near a contactless payment reader, authenticating with Face ID, Touch ID, or your device’s passcode.
  • Purchases made online or in apps require you to choose Apple Pay as a payment option, confirm your payment information, and authenticate with Face ID, Touch ID, or a passcode.

Step 7: Enjoy the Convenience of Apple Pay:

Apple Pay offers a convenient and secure solution for making payments, and it’s widely accepted by retailers and online stores.

You can manage cards in the Wallet app and delete them if necessary. # set up Apple Pay

How To Use Apple Pay?

This guide shows you step-by-step how to use Apple Pay to make secure payments in stores, online, and within apps using your Apple device.

Step 1: Ensure You Have a Compatible Apple Device:

Using Apple Pay requires your device to be compatible. iPhones with Face ID, Touch ID, or a fingerprint sensor, Apple Watches, iPads with Touch ID or Face ID, and Macs with Touch ID are all compatible with Apple Pay.

Be sure your device has the latest version of iOS, watchOS, or macOS software.

Step 2: Add a Credit or Debit Card:

Your Wallet app needs to be updated with a credit or debit card before you can start using Apple Pay:

  • Open your iOS device’s “Wallet” app.
  • Adding a card is as simple as pressing the “+” icon (plus).
  • Add your card either by scanning it with your camera or manually entering the details.
  • A confirmation code may be sent to you via text, email, or phone call by Apple to verify your card.
  • Apple Pay is ready to use once your card has been added and verified.

Use Apple Pay
Use Apple Pay

Step 3: Use Apple Pay in Stores:

Follow these steps to make a payment when you’re at a store that accepts Apple Pay:

  • Start your iPhone or Apple Watch by waking it up.
  • In the case of an iPhone with Face ID, press the side button twice. In the case of an iPhone with Touch ID, rest your finger on the sensor.
  • Your device should be held near a contactless payment reader (typically indicated by an Apple Pay or contactless payment symbol).

The payment will be completed after your device is authenticated by Face ID, Touch ID, or a passcode. # How To Use Apple Pay?

Step 4: Use Apple Pay Online or in Apps:

Apple Pay is also available for in-app and online purchases. Here’s how it works:

  • Choose “Apple Pay” at the checkout when making an online purchase on a compatible website or app.
  • Verify your shipping, billing, and payment methods.
  • You can also use your device’s passcode or Face ID to authenticate the payment.

Step 5: Manage Your Cards:

Your Wallet app allows you to manage multiple cards. To choose which card to use as your default payment method, open the Wallet app.

Step 6: Keep Your Device Secure:

It is important to keep your Apple Pay device and passcode secure. If your device is lost or stolen, you can remotely lock or wipe it with “Find My iPhone.”.

Step 7: Check for Cash Back and Rewards:

You may be able to earn rewards when using Apple Pay for purchases with some cards. Check with your bank or card issuer for more information.

What Are The Benefits Of Using Apple Pay?

There are several advantages to using Apple Pay that enhance your convenience, security, and overall payment experience.

Here are a few of them:



A token is used instead of your actual card number for each transaction.

This means that your card information is not stored on your device or with the merchant, which reduces the risk of fraud.

Face ID/Touch ID:

Using Face ID or Touch ID (on devices that support these features) can add an additional layer of security.

Device Lock:

For Apple Pay to work, your device must be locked (by passcode, Face ID, or Touch ID) before a payment can be authorized.

Lost or Stolen Device:

The “Find My iPhone” app can be used to remotely lock or wipe a lost or stolen device, protecting your payment information. # Benefits Of Using Apple Pay


Quick Payments:

Using Apple Pay, you can make payments quickly and easily. You simply tap your device at a contactless payment terminal and the transaction is complete.

Digital Wallet:

Multiple credit and debit cards can be stored, allowing you to choose the right payment method at any time.

Online and In-App Purchases:

Apple Pay allows you to make in-app purchases and shop online without entering your card details every time.


Many cities accept Apple Pay for public transportation, making it convenient to purchase tickets on buses, trains, and subways.


  • Apple emphasizes user privacy, and Apple Pay doesn’t store, track, or market your transaction history.
  • The merchant does not have access to your billing or shipping addresses when you make an online purchase.


  • Nearly every store, restaurant, and business with a contactless payment terminal accepts Apple Pay.
  • In many apps and websites, it can also be used to make in-app and online purchases.


  • In addition to iPhones, iPads, Apple Watches, and Macs with Touch ID, Apple Pay is available on a wider range of Apple devices.
  • Individuals with disabilities will find it user-friendly and accessible.

Contactless and Hygienic Payments:

  • Apple Pay’s contactless payments reduce the need to physically contact payment terminals and cash, especially during times of health concern.

Real-Time Transaction Notifications:

  • Apple Pay notifications appear in real-time on your device, allowing you to monitor spending and detect fraudulent charges in real-time.

Payments via Apple Pay are secure, convenient, and private, both in-store and online. It is compatible with a broad range of devices and widely accepted by businesses. # Benefits Of Using Apple Pay


A digital wallet is not the only thing Apple Pay offers; it’s a way to handle transactions in a more convenient and secure way.

Mobile payment solutions such as Apple Pay are becoming increasingly important as we move into the digital age.

Millions of people worldwide use it because it’s easy to setup, widely accepted, and has robust security features.

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