Apple Pay is a convenient and secure mobile payment system that allows iPhone users to make purchases in stores, online, and in apps. It's easy to set up and use, and it offers a number of benefits, including:
- Security: Apple Pay uses tokenization to protect your payment information. When you make a purchase, Apple Pay creates a unique token that is shared with the merchant instead of your actual credit or debit card number.
- Convenience: Apple Pay is accepted at millions of locations worldwide. You can also use it to send money to friends and family, and to make purchases online and in apps.
- Rewards: You can earn rewards points or cashback when you use Apple Pay with certain credit or debit cards.
To use Apple Pay on your iPhone, you'll need to have an iPhone 6 or later with iOS 10 or later. You'll also need to have a credit or debit card that is issued by a participating bank. Once you have everything you need, you can follow these steps to set up Apple Pay:
Now that you know the benefits and requirements for using Apple Pay on your iPhone, let's dive into the detailed steps on how to set it up and use it for various transactions.
How to Use Apple Pay on iPhone
Convenient, secure mobile payment system.
- Add credit/debit card to Apple Wallet.
- Authorize payments with Face ID/Touch ID.
- Tap iPhone to contactless payment terminal.
- Confirm purchase on iPhone screen.
- Use Apple Pay in stores, online, in apps.
- Send money to friends and family.
- Earn rewards points or cashback.
- Manage Apple Pay settings in Wallet app.
Apple Pay is a simple and secure way to pay for goods and services using your iPhone.
Add credit/debit card to Apple Wallet.
To use Apple Pay, you'll need to add your credit or debit card to Apple Wallet.
- Open the Wallet app: Tap on the Wallet app icon on your iPhone's home screen.
- Tap the "+" button: In the top-right corner of the Wallet app, tap on the "+" button.
- Select "Credit or Debit Card": Tap on the "Credit or Debit Card" option.
- Enter your card information: Use your iPhone's camera to scan your card, or enter your card information manually.
Once you've entered your card information, tap on the "Next" button. Apple will verify your card information with your bank. Once your card is verified, it will be added to Apple Wallet.
Authorize payments with Face ID/Touch ID.
Once you've added your credit or debit card to Apple Wallet, you can authorize payments with Face ID or Touch ID.
To authorize a payment with Face ID:
- Double-click the side button: When you're ready to pay, double-click the side button on your iPhone.
- Look at your iPhone: Hold your iPhone up to your face and look at it. Your iPhone will scan your face and, if it recognizes you, it will unlock your phone and display your default payment card.
- Tap the "Pay" button: If you're happy with the payment amount, tap on the "Pay" button.
To authorize a payment with Touch ID:
- Rest your finger on the Touch ID sensor: When you're ready to pay, rest your finger on the Touch ID sensor on your iPhone's home button.
- Your iPhone will scan your fingerprint: If your iPhone recognizes your fingerprint, it will unlock your phone and display your default payment card.
- Tap the "Pay" button: If you're happy with the payment amount, tap on the "Pay" button.
Once you've authorized the payment, your iPhone will display a message saying "Done" and a checkmark. The merchant will also receive a notification that your payment has been processed.
Tap iPhone to contactless payment terminal.
Once you've authorized the payment with Face ID or Touch ID, you need to tap your iPhone to the contactless payment terminal.
- Hold your iPhone near the payment terminal: Hold your iPhone near the contactless payment terminal. The terminal will display a message saying "Hold iPhone near reader".
- Tap your iPhone to the payment terminal: Once the terminal is ready, tap your iPhone to it. You may need to apply some pressure.
- Keep your iPhone near the payment terminal: Keep your iPhone near the payment terminal until the payment is processed. The terminal will display a message saying "Processing" or "Approved".
- Remove your iPhone from the payment terminal: Once the payment is processed, you can remove your iPhone from the payment terminal.
Your iPhone will display a message saying "Done" and a checkmark. The merchant will also receive a notification that your payment has been processed.
Confirm purchase on iPhone screen.
Before you tap your iPhone to the contactless payment terminal, you'll need to confirm the purchase amount on your iPhone screen.
To confirm the purchase amount:
- Check the purchase amount: Make sure that the purchase amount displayed on your iPhone screen is correct.
- Check the merchant name: Make sure that the merchant name displayed on your iPhone screen is correct. This is especially important if you're using Apple Pay at a new or unfamiliar store.
- Tap the "Pay" button: If you're happy with the purchase amount and the merchant name, tap on the "Pay" button.
Once you tap on the "Pay" button, your iPhone will display a message saying "Please authenticate with Face ID" or "Please authenticate with Touch ID".
Authenticate the payment with Face ID or Touch ID, and then tap your iPhone to the contactless payment terminal.
Your iPhone will display a message saying "Done" and a checkmark. The merchant will also receive a notification that your payment has been processed.
Use Apple Pay in stores, online, in apps.
You can use Apple Pay to make purchases in stores, online, and in apps.
- In stores: To use Apple Pay in stores, simply follow the steps outlined above. Look for the contactless payment symbol at checkout, and then hold your iPhone near the payment terminal. Confirm the purchase amount and merchant name on your iPhone screen, and then authenticate the payment with Face ID or Touch ID.
- Online: To use Apple Pay online, look for the Apple Pay button at checkout. Click on the Apple Pay button, and then follow the instructions on the screen. You will need to authenticate the payment with Face ID or Touch ID on your iPhone.
- In apps: To use Apple Pay in apps, look for the Apple Pay button at checkout. Tap on the Apple Pay button, and then follow the instructions on the screen. You will need to authenticate the payment with Face ID or Touch ID on your iPhone.
Apple Pay is a convenient and secure way to pay for goods and services. It's accepted at millions of locations worldwide, and it's easy to use. If you have an iPhone, you should definitely consider using Apple Pay.
Send money to friends and family.
You can use Apple Pay to send money to friends and family, even if they don't have an iPhone. To send money to a friend or family member:
- Open the Messages app: Tap on the Messages app icon on your iPhone's home screen.
- Start a new conversation or open an existing conversation: Tap on the "+" button in the top-right corner of the screen to start a new conversation. Or, tap on an existing conversation to send money to a friend or family member you've messaged before.
- Tap on the Apple Pay button: In the message composer, tap on the Apple Pay button. It looks like a black square with a white dollar sign inside.
- Enter the amount of money you want to send: Use the keypad to enter the amount of money you want to send. You can also use the "+" and "-" buttons to increase or decrease the amount.
- Add a message (optional): You can add a message to your payment. This is optional, but it's a nice way to let your friend or family member know what the payment is for.
- Tap on the "Pay" button: Once you're happy with the amount and the message, tap on the "Pay" button.
- Authenticate the payment with Face ID or Touch ID: You will need to authenticate the payment with Face ID or Touch ID.
Your friend or family member will receive a notification that you've sent them money. They can then tap on the notification to accept the payment.
Sending money to friends and family with Apple Pay is a quick, easy, and secure way to transfer money.
Earn rewards points or cashback.
You can earn rewards points or cashback when you use Apple Pay with certain credit or debit cards.
To earn rewards points or cashback with Apple Pay:
- Use a credit or debit card that offers rewards points or cashback: Not all credit or debit cards offer rewards points or cashback. Check with your credit card issuer or bank to see if your card is eligible.
- Add your credit or debit card to Apple Wallet: If you haven't already done so, add your credit or debit card to Apple Wallet. See the section above for instructions on how to do this.
- Use Apple Pay to make purchases: Once you've added your credit or debit card to Apple Wallet, you can start using Apple Pay to make purchases. See the section above for instructions on how to use Apple Pay.
You will automatically earn rewards points or cashback when you use Apple Pay with an eligible credit or debit card. The amount of rewards points or cashback you earn will vary depending on the card you're using.
Earning rewards points or cashback with Apple Pay is a great way to save money on your everyday purchases. Be sure to check with your credit card issuer or bank to see if your card is eligible.
Manage Apple Pay settings in Wallet app.
You can manage your Apple Pay settings in the Wallet app.
To manage your Apple Pay settings:
- Open the Wallet app: Tap on the Wallet app icon on your iPhone's home screen.
- Tap on the Apple Pay card: Tap on the Apple Pay card that you want to manage.
- Tap on the "More" button: In the top-right corner of the screen, tap on the "More" button. It looks like three dots.
- Tap on "Settings": Tap on the "Settings" option.
In the Apple Pay settings, you can:
- Change your default payment card: You can change the default payment card that is used when you make purchases with Apple Pay.
- Add or remove credit or debit cards: You can add or remove credit or debit cards from your Apple Wallet.
- Set up automatic payments: You can set up automatic payments for certain merchants.
- Manage your transaction history: You can view your transaction history for Apple Pay purchases.
- Turn on or off Apple Pay Cash: You can turn on or off Apple Pay Cash, which allows you to send and receive money from friends and family.
The Wallet app is a convenient way to manage your Apple Pay settings and transactions.
FAQ
Here are some frequently asked questions about how to use Apple Pay on iPhone:
Question 1: How do I add a credit or debit card to Apple Wallet?
Answer 1: To add a credit or debit card to Apple Wallet, open the Wallet app and tap on the "+" button in the top-right corner of the screen. Then, tap on "Credit or Debit Card" and follow the instructions on the screen.
Question 2: How do I authorize payments with Face ID or Touch ID?
Answer 2: To authorize payments with Face ID, double-click the side button on your iPhone and look at your iPhone. To authorize payments with Touch ID, rest your finger on the Touch ID sensor on your iPhone's home button.
Question 3: How do I use Apple Pay in stores?
Answer 3: To use Apple Pay in stores, hold your iPhone near the contactless payment terminal and then authenticate the payment with Face ID or Touch ID.
Question 4: How do I use Apple Pay online?
Answer 4: To use Apple Pay online, look for the Apple Pay button at checkout. Click on the Apple Pay button and then follow the instructions on the screen.
Question 5: How do I use Apple Pay in apps?
Answer 5: To use Apple Pay in apps, look for the Apple Pay button at checkout. Tap on the Apple Pay button and then follow the instructions on the screen.
Question 6: How do I send money to friends and family with Apple Pay?
Answer 6: To send money to friends and family with Apple Pay, open the Messages app and start a new conversation or open an existing conversation. Then, tap on the Apple Pay button and follow the instructions on the screen.
Question 7: How do I earn rewards points or cashback with Apple Pay?
Answer 7: To earn rewards points or cashback with Apple Pay, use a credit or debit card that offers rewards points or cashback. Then, add your credit or debit card to Apple Wallet and use Apple Pay to make purchases.
Question 8: How do I manage my Apple Pay settings?
Answer 8: To manage your Apple Pay settings, open the Wallet app and tap on the Apple Pay card that you want to manage. Then, tap on the "More" button in the top-right corner of the screen and tap on "Settings".
Question 9: How do I cancel an Apple Pay payment?
Answer 9: To cancel an Apple Pay payment, open the Wallet app and tap on the transaction that you want to cancel. Then, tap on the "Cancel" button.
Question 10: What should I do if I lose my iPhone?
Answer 10: If you lose your iPhone, you should immediately suspend Apple Pay on your device. You can do this by signing in to your iCloud account on a computer or by contacting Apple Support.
These are just a few of the most frequently asked questions about how to use Apple Pay on iPhone. If you have any other questions, you can visit the Apple Support website or contact Apple Support directly.
Now that you know how to use Apple Pay on iPhone, here are a few tips to help you make the most of this convenient payment method:
Tips
Here are a few tips to help you make the most of Apple Pay on your iPhone:
Tip 1: Use Apple Pay everywhere you can.
Apple Pay is accepted at millions of locations worldwide, including grocery stores, gas stations, restaurants, and online stores. Look for the contactless payment symbol at checkout to see if Apple Pay is accepted.
Tip 2: Set up Apple Pay Cash to send and receive money from friends and family.
Apple Pay Cash is a convenient way to send and receive money from friends and family. To set up Apple Pay Cash, open the Wallet app and tap on the Apple Pay card that you want to use. Then, tap on the "More" button in the top-right corner of the screen and tap on "Set up Apple Pay Cash".
Tip 3: Use Apple Pay to earn rewards points or cashback.
Many credit and debit cards offer rewards points or cashback when you use them with Apple Pay. To earn rewards points or cashback with Apple Pay, simply use your eligible credit or debit card to make purchases.
Tip 4: Keep your iPhone's software up to date.
Apple Pay is constantly being updated with new features and security improvements. To make sure that you have the latest features and security updates, keep your iPhone's software up to date.
Tip 5: Be aware of your surroundings when using Apple Pay.
Apple Pay is a secure payment method, but it's still important to be aware of your surroundings when using it. Be sure to keep your iPhone close to you and don't let anyone see your passcode.
By following these tips, you can make the most of Apple Pay on your iPhone and enjoy a convenient and secure payment experience.
Apple Pay is a great way to make payments quickly and easily. It's secure, convenient, and accepted at millions of locations worldwide. If you have an iPhone, you should definitely consider using Apple Pay.
Conclusion
Apple Pay is a convenient, secure, and easy-to-use mobile payment system that allows iPhone users to make purchases in stores, online, and in apps. It's accepted at millions of locations worldwide, and it offers a number of benefits, including:
- Security: Apple Pay uses tokenization to protect your payment information.
- Convenience: Apple Pay is accepted at millions of locations worldwide.
- Rewards: You can earn rewards points or cashback when you use Apple Pay with certain credit or debit cards.
To use Apple Pay, you'll need to have an iPhone 6 or later with iOS 10 or later. You'll also need to have a credit or debit card that is issued by a participating bank. Once you have everything you need, you can set up Apple Pay in just a few minutes.
Apple Pay is a great way to make payments quickly and easily. It's secure, convenient, and accepted at millions of locations worldwide. If you have an iPhone, you should definitely consider using Apple Pay.
Here are some of the key things to remember about using Apple Pay:
- Add your credit or debit card to Apple Wallet.
- Authorize payments with Face ID or Touch ID.
- Tap your iPhone to the contactless payment terminal.
- Confirm the purchase amount on your iPhone screen.
- Use Apple Pay in stores, online, and in apps.
- Send money to friends and family.
- Earn rewards points or cashback.
- Manage your Apple Pay settings in Wallet app.
With Apple Pay, you can make payments quickly, easily, and securely. So next time you're at the checkout counter, reach for your iPhone and use Apple Pay.