How to use Apple Pay

If you’re using an iPhone, Apple Pay is the easiest way to initiate contactless payments. Not only is the digital wallet service free to use, it is already built into your phone.

Apple Pay works by letting you add a digital copy of your debit or credit card to the Wallet app. Once set up, you can use Apple Pay to buy things online, in apps, and in person without having to carry physical credit cards, cash, or a separate wallet. You can also use Apple Pay to send money to friends and family through the Messages app. In some cities, you can even use Apple Pay to replace your transit card for public transportation.

Generally, Apple will guide you through setting up Apple Pay when you first turn on a new device. But, if for some reason you don’t, here’s everything you need to know to get started plus some tips on how to use it.

Set up Apple Pay

You can play with the settings in the Wallet & Apple Pay menu.

No matter what device you set up, the first step is to always check if your device is compatible or not. For iPhones, this is any model with Touch ID or Face ID, except for the iPhone 5S. You can also use Apple Pay on certain iPads with Touch ID or Face ID and all Apple Watches since Series 1. Mac models with Touch ID may also support Apple Pay. In any case, you can check whether your specific device is qualified or not here.

The next thing you will need is a file Supported credit or debit card and the Apple ID signed in to iCloud. If you are not signed in to your Apple ID, you may be asked to sign in during the setup process.

on iPhone

To add a card on your iPhone:

  • open the wallet a program.
  • Press the + button.
  • under Available cardsto specify Debit or credit card.
  • handle Complete.
  • From here, you can either take a picture of your physical card or enter your card details manually.
  • Check your card details.
  • handle Approves On the terms and conditions.
  • Decide if you want the added card to be your default card.
  • If you have an Apple Watch, you will now be asked to add your card to the device. You can also do this later.

Once you do this on the iPhone, it becomes much easier to add the same cards across your Apple devices. That’s why we recommend adding your cards to iPhone first.

You can also use Apple Pay on your Apple Watch.

on the Apple Watch

If you want to use Apple Pay on your Apple Watch, first make sure of that Enable passcode. This is a mandatory requirement – you will not be able to use Apple Pay on the watch in any other way.

To add a card on your Apple Watch:

  • open the Watch The app on your iPhone.
  • Multiply my watch tab.
  • Scroll down to Wallet and Apple Pay.
  • From here, you can follow the same steps mentioned above.
  • If you have ever added any cards on your iPhone, you should see them listed below Other cards on your iPhone. Click on Add Next to each card to add to your watch.
  • Check your card details and you’re done!

On your iPad or Mac

On your iPad and Mac, you can use Apple Pay to buy things online and in apps as well as send money through the Messages app.

To set up Apple Pay on your iPad or Mac:

  • go to Settings (iPad) or System Preferences (Mac).
  • Choose Wallet and Apple Pay.
  • Choose Add card.
  • from here any Previous cards It will be listed under “Available Cards”.
  • Select the cards you want to add.
  • handle Complete.
  • Check your card details and you’re done!

Using Apple Pay

Before you start using your phone to pay, you should take some time to sort out your settings. If you have more than one card in the Wallet app, you should take the time to select your default card. Also, if you want to send and receive money in the Messages app, you have to enable the Apple Cash card.

By default, Apple also requires some type of two-factor authentication when using Apple Pay — which is why you have to enable a passcode on the watch or have a device that supports Touch or Face ID. But if you want to bypass that, you can also set an Express Transit Card.

You won’t tap the iPad against a contactless payment terminal, but you can use Apple Pay on it when shopping online.

To access these options, head over to Settings > Wallet and Apple Pay On iPhone, Apple Watch, and iPad. On a Mac, go to System Preferences > Wallet & Apple Pay.

There are several ways to use Apple Pay, but most people will likely use the service on their iPhone or Apple Watch. as long as you see These icons Where you want to use Apple Pay, you are good to go.

Pay with your iPhone or Apple Watch

To pay with iPhone with Face ID, Double-click the side button. The default card will then appear, and the phone will attempt to authenticate you with Face ID. If you can’t, you may be asked to enter your passcode. The process is the same with Touch ID phones, except that you will authenticate by placing your finger on the Touch ID button.

On the Apple Watch, you can also double-click the side button to bring up your selected card. Once you’re done, you can move your phone or watch the contactless payment reader.

If you want to buy something in an app or from a website in Safari, all you have to do is tap the Apple Pay button at checkout. From there, you’ll be asked to authenticate your identity via Touch ID or Face ID, depending on the device. Once that’s done, check the card you want to use and your payment information.

Send money using messages

To send money in Messages, you and the person you’re with must enable the Apple Cash Card.

To send money via the Messages app, you – and the person you are transacting with – must be in the US and have the Apple Cash card enabled. You can do this on your iPhone by heading to Settings > Wallet & Apple Pay > Apple Cash. Once you do that, you can link your bank account to fund the card. Any balance you have on the card can also be transferred to your bank.

Once you set up Apple Cash, all you have to do is tap the Apple Pay or Apple Cash icon in an individual iMessage conversation. From there you will be asked to enter an amount and you can then request or submit a payment.

That’s really all there is to it. Happy shopping.

Photography by Victoria Song/The Verge