How does Apple Pay work on the Apple Watch. Apple Watch and Apple pay

How to Fix Apple Pay Not Working on iPhone, Apple Watch

iPhone user appreciates Apple pay Because of the comfortable, secure payment system from Apple now available at most of the retail store that accepts apply pay, Apps and Now on Web. Apple pay is cardless, Details free payment system once you made Apple pay set up on iPhone with your Credit card. But some users are experienced and hesitating on Apple pay not working from iPhone or Apple Watch as well. For those all people I would like to help with below possibility may be disturbing or interrupting your payment process.

Follow the troubleshooting guide yourself, in that you doubt most of your cases. Here I am forcing to you, from the personal experience, Friend’s story, and online forums I discovered helping points.

Why is Apple pay not working in Apps, Retails store, or Web?

Keep your Device near to NFC Reader: Due to security reasons and restart, fastest connectivity between Bluetooth NFC reader and your device, you should keep your machine near as possible Next to verify your payment with scan your Touch ID fingerprint on the home button, Use Face ID. (These rules are applicable to iPhone and Apple Watch as well)

Check Apple’s System Page [Apple Pay wallet must be Green]

something about an Apple Pay Wallet outage, due to system under maintenance possible your Apple pay payments doesn’t work right now. Let’s check Apple’s system page.if service is in working mode, you can see the green button, a red triangle denotes service is outage.For example, in the below screen, you can see Apple pay wallet in outage condition. hence, you will have to wait until the service comes back in active mode.

perhaps, system page shows the service is completely in working mode, albeit, the feature is not working, let’s do continue to read the troubleshooting given below.

Turn on Face ID/Touch ID for Wallet Apple Pay

We can use Face ID/Touch ID for authentication purposes that might be iPhone Unlock, App Store Purchase, or Wallet Apple pay. Keep Face ID/Touch ID enable from your Device settings,

  • Open settings app on iPhone Face ID Passcode Enter your Phone Passcode use Face ID for “Wallet Apple pay” toggle.
  • Apple Watch users have to Press Side button two times for Pay with Apple pay.

Restart your Device: From old fashion solution, Restart or Force restart your iPhone/ Apple Watch that will work in most cases. This former tip reconfigures your device by killing all older processes and connections.

Try on another Apply pay reader: After two to three Apple pay payment efforts, you should change payment Windows or cabin, then try at another Apple pay reader device.

Touch ID deleted in Past from Device: For security reasons, Apple Remove cards from Apple pay automatically on delete or remove saved Touch ID/ Disable Touch ID. Ensure that you didn’t.

For iPhone X users: get here fix Face ID not working on iPhone

Restore iPhone: Apple fixed, but you still affect this problem on after restore device your card could not be added. Then manually add cards. Go to the Settings Wallet Apple Pay Add Credit or Debit Card.

If yes, Please contact your bank and request your card support for apply pay use. or you Will get the error “Your Issuer Does Not Yet Offer Support for This Card”

Delete old card and make new setup: Remove old saved card From Settings Wallet Apple Pay Add Credit or Debit Card.

Why won’t Apple Pay Work on My Apple Watch

Make sure you have set up Apply pay Cash on your Apple Watch and Enable for Use Apple Watch “Enable sending and Receiving money in Messages on Apple Watch”. Also, Check the Added Card in your Apple Watch is Active and Not Blocked.

  • Open Watch App on iPhone, that’s paired with your Apple Watch.
  • Under the My Watch Tab Scroll to “Wallet Apple pay” Enable Apple Cash toggle. and Also Review, Payment cards on your Watch.
  • If you wish to change the Default card for Transection for your Apple Watch then set it under the Default card option.
  • If you wish to do Payment on Mac using Apple Watch then Enable the toggle “Allow Payments on Mac“.
  • To Get Apple Pay Notification on your Apple Watch screen, Select Mirror My iPhone under the notification section.
  • That’s all about Apple Pay settings on Apple Watch and start making payment using Apple Watch for Mac or On Nearby NFC Reader.

We can also manage Card on Apple Watch Wallet app, Go to the Apple Watch Home screen [Press Digital Crown button] Find and Tap on Wallet app see your Cards, and Wallet.

Apple Watch Double Click to Pay Not Working

To make Apple pay Payment on your Apple Watch Through the app or Hold near a reader, Your Apple Watch ask for Double Press double-clicking in the Side button.

Sometimes, you need to do another try because double-clicking should be quick enough. If you are not comfortable then, you can change the Watch Orientation for the Apple Watch and do it easily and quickly as your Apple Watch ask.

Otherwise manually Follow the Paying process,

  • Open the Wallet app on your Apple Watch [Move to Apple Watch home screen by a press on Digital Crown button].
  • Scroll the digital crown button, and select a card to make a payment, Hold your Apple Watch near to reader and Press the Side button two times.

If your Apple Watch doesn’t make sense then you have to restart your Apple Watch and try again.

Press and Hold Digital Crown button and the Side button at once until you see the Apple logo on the screen, and Wait for your Apple Watch to turn on automatically. [Press and hold the Side button if it’s not turning on].

Apple Pay Not Showing on Apple Watch

Apple pay is managed from Watch app settings, and that’s a Built in-app. So you will get it on the Apple Watch home screen. Might be your Apple Watch running on old WatchOS or Wallet app icon changed on Apple Watch.

  • Update your Apple Wach to the latest WatchOS. Identify Wallet app on Apple Watch home screen. [Press the digital crown button and move to Apple Watch home screen, Settings General Software Update Download and install]
  • Erase all Apple Watch content and settings. On your Apple Watch Move to the Apple Watch home screen [Press the digital crown button] Settings General Reset First Try Reset Home Screen Layout or then Erase All Content and Settings.
  • Apple pay is available but “why doesn’t Apple pay work on my watch” Apple pay or Apple Pay cash is not available in your Country or Your Bank or Card doesn’t support.

Apple Pay Not Showing on Mac

Apple Pay is now supporting All Apple devices via Website or App. And user can make payments through the Apple Safari Web browser on Mac Via iPhone, and Apple Watch authentication. on Mac’s Third-Party Browser, Apple pay option not showing on website, Please, Double-check your Browser.

Apple pay and Apple Card is only Support Safari Web Browser. Also, Enable from Safari Preferences settings,

  • Open Safari Browser on Mac.
  • From top Mac menu Safari Preferences.
  • Next, Go to the Privacy Tab Enable Checkbox for “Allow websites to check for Apple Pay and Apple Card“. Then, Safari allows you to make purchases on the web with Apple Payand Apple Card using your iPhone or Apple Watch to confirm your payment.

That makes your Payment process easy and secure on Mac with Apple Pay/Apple Cash.

Apple Pay Stopped Working on Mac

If you are paying the amount through the safari browser on Mac then Make sure “Allow websites to check for Apple Pay and Apple Card” is enabled from Safari Privacy Preferences. Explained earlier.

Some Apple users have been reported, Processing Payment”, then timing out. Then, Verify your Payment Details under Wallet Apple Pay from iPhone settings. and Enter the correct Email, Address, and more.

Verify and check. Get back and try to use Apply pay on Mac.

Apple Pay Not Working From Mac to iPhone

If you don’t have your iPhone or Apple Watch, Still want to use Apply Pay on Mac. Apple Card is the only option to Pay and use the Apple pay service on Mac. Sign up using your Credit card, Debit card, Store Card, Apple Card to Wallet.

and Now, Mac users can also authenticate using Touch ID [Supported MacBook, iMac].

Also, Mac users can manage Apple Pay and Wallet from Mac system Preferences.

  • Go to the Apple Logo from the top mac menu System Preferences Wallet Apple Pay.
  • Next, click on Add Card If you are not logged in iCloud then login and Go back to Enter the Payment information.
  • You can use Saved Cards from your Account or Add a New card on Mac for future time use of Apple Pay.

Still, you need to use iPhone or Apple Watch as Payment Authentication. then enable Allow Payments On Mac in iPhone Settings Option and Allow Payments on Mac in Apple Watch Settings.

  • Allow iPhone For Apple Pay Payment on Mac Safari: Open Safari on Mac From top Menu Safari Preferences Enable Checkbox “Allow websites to check for Apple Pay and Apple Card“.
  • On iPhone: Open Settings app on iPhone Wallet Apple Pay Scroll to last and Enable “Allow Payments on Mac” toggle. Use Apple pay on your iPhone to confirm payments on your nearby Mac.
  • On Apple Watch: Open Watch App on iPhone that’s paired with your Apple Watch Wallet Apple Pay Scroll to Last and enable “Allow Payments on Mac” toggle. Use Apple pay on your Apple Watch to confirm payments on your nearby Mac.

Are you getting the error message “Apple Pay has been Disabled because the security settings of this mac were modified”. Sign out and sign in with your Apple ID, Check added card and Personal details used in Apple Pay. Another Problem is from your Bank end as well. figure out all the solutions given above that might be very helpful to fix all the issues. Still, you need to get more assistance from Apple support then You can call and Book an Appointment at Apple genius bar.

another user has set up Apple pay on this mac at this time

Contact Apple support center: Get online support from here or Reach the nearest local Apple store.

Apple Pay Not showing up in Messages iPhone, Apple Watch

Through iMessage, Apple users can Send Receive payments [Apple Cash] using Apple Pay that is set up on their Device. Make sure both [sender receiver] have the iMessage service activated.

  • To make a Payment, or Request Apple Pay cash, Open the Messages app Scroll and Find iMessage contact see the Apple Pay option in App Drawer. If not showing, then scroll to last and find it.

Now, Add the amount that you want and Pay it.

why is Apple pay not showing up in message App Drawer or Re-Arrange

  • Also, we can Re-arrange App Droware items, Scroll to last and See more options.
  • Edit the list from the top left corner Re-Arrange it using the Horizontal Slider Tap on Done to save.
  • That’s it.

Apple Pay Not Working After Screen Replacement

If are planning to change or Repair your Apple device screen, then I highly recommend getting a fix with Apple repair support service. Several iPhone and Apple Watch users have been reported, (Apple Watch Apple pay not working after screen replacement/Apple pay not working after screen repair on iPhone/iPad) because that affects Face ID Camera, Touch ID on Home Button iPhone, and Apple Watch screen as well.

Or Go with some Gaurented screen repair service.

Why Does My Apple Pay Not Work on Websites?

Due to some technical error on the Website, or Third-Party Extension installed on your Browser disabled the payment option. or Removed by the Website owner.

You can check on their Official Mobile app and Get Benefits of Cashback and Rewards with Apple pay.

if you are getting issues with the Apple Pay website Payment not Completed, Then don’t try again and again. Your Unsuccessful payment will be reflected soon in your account. Wait for few days or You can contact your Bank with a Payment reference ID.

Apple Service may temporarily down, Check Apple System Status Page.

Apple Pay Not Working “Hold Near Reader to Pay” Fix

Hold Near Reader to Pay is the most common issue on iPhone Becuase of internal software issues. Restart your Device is the Primary solution. and Try again.

Also, Check your Device’s Internet connection, If you are on a Wi-Fi connection then turn it off and Use your Cellular Data connection.

We are Updating your Help and Most Frequently questions,

Use Apple Pay online, Via any Apple device or Offline services like at gas station, vending machine, with instacart, on Shipt.

How to Contact Apple Pay Customer Service

Apple’s dedicated customer service is always happy to help with your Device, Services, and Purchase Subscriptions. Let’s Know how you can contact Customer Support in your Country? on a Phone call, Chat, or Email service.

  • Go to the:
  • Scroll to the last on-page and see the option for “Tell us how we can help” Apple Pay customers.
  • Get your Query on Apply Pay, and Go with, Different Problems like Restricted Apple Cash Account [Blocked], Payment with Apple Cash, Bank Cards Wallet, and more.
  • Click on Schedule a Call or Make an appointment for Apple Support to call when it’s convenient for you.
  • Select your Date, Time and Select.
  • Enter your Personal Information to quickly short out your problem asps. First name, Last Name, Email, and Phone number.
  • Apple will call you on your Schedule.

If you don’t go with scheduling the call and don’t wait for it. you can call customer support directly with the Primary issue. and gives you an exact guide about your problem. Check out the Apple Pay customer service number.

Apple Pay Customer Service Number

Apple’s customer service number is available in all countries, So you can do it in free or chargeable call as per terms conditions.

Apple Pay Customer Service Telephone Number

Apple pay customer service in the USA, Canada, and more…

United States1-800-275-2273

Education customersSupport: 1-800-800-2775Sales: 1-800-780-5009


Accessibility and assistive technology

App Store, iTunes Store, and Apple Books billing and helpContact Apple Support

Apple Cash and person to person payments1-877-233-8552

Find the Customer Phone numbers for Other countries:

Apple Pay Customer Service Refund

You get a full refund or partial refund that’s given under terms conditions during purchase. So, first, you have to contact the Service provider or Support service of the product that you bought through Apple pay.

if it looks like something is fraud with you, then contact your Bank or Raise a dispute request to block your card. Generally, This service is available 24×7 via direct phone call.

Also, you can ask Apple support for validating transitions that were not made by you. or Need more information on a transaction from a Message you received or From the Apple Pay transaction history Statement.

Also, you can contact and Raise Apple Pay Customer Service Dispute directly via the below phone calls.

Above all are the most critical and prior solutions for Apple pay not working from iPhone or Apple Watch at Apps, Websites, or Local retail stores.

How does Apple Pay work on the Apple Watch?

So, it’s April 25, 2015 and the delivery man has just delivered your new Apple Watch. Your first instinct: Spend more hard-earned cash trying out Apple’s mobile payment system, Apple Pay.

Although Apple Pay has been available for iPhone 6 and 6 Plus users since October, it works differently with Apple Watch, which arrives in retail on April 24. (Pre-orders for the Watch, which start at 349 and rise into the thousands of dollars from there, begin April 10.)

Here’s a rundown on Apple Pay, its use on the latest iPhones and how it will work with the Apple Watch. Given the tight integration between the Watch and the iPhone, it’s important to understand how the two work in tandem to enable what seems like a simple and seamless process.

Refresher: What is Apple Pay?

Apple Pay is a digital payment system designed around security, privacy and speedy mobile transactions. Essentially, it replaces traditional magnetic-swipe credit- and debit cards with digital equivalents that can be used for secure in-store or in-app purchases. All purchase information is kept private; Apple doesn’t receive or store any purchase details on its servers.

When a card is added via the Passbook and Apple Pay Settings panel in iOS 8 on your iPhone.- either by manual entry or by snapping photos of the card using the iSight camera.- the account is verified with the issuing bank, which creates a unique device-only account number. (That number is different than the one on the card.) The bank then returns card info as encrypted data that can only be decrypted by the issuing device.- in this case, your phone. The information is kept in what Apple calls the Secure Element, a dedicated hardware chip designed to store sensitive data. This happens for each card added.

The Passbook app acts as the front-end for this data, displaying the credit and debit cards that are active, as well as your recent transaction history.

About those security concerns

Every time Apple Pay is used, a one-time payment number and a dynamic security code is generated; your credit or debt card information is never actually transmitted. The data is sent through traditional payment networks, the encrypted device-only number gets matched with the issuing bank’s database and the transaction is either approved or turned down. The merchant never sees your account numbers or even your name, and Apple doesn’t collect any transaction data (though it does get a percentage of the transaction fees).

If someone managed to hijack the transaction and break the encryption, the data accessed would be meaningless. And if you ever lose your phone, there’s no need to cancel any cards because the credit card data isn’t on it anyway. (If you do misplace your phone, you can log into and use the Find My iPhone feature to stop Apple Pay.)

There were some initial security concerns with Apple Pay due to lax standards in bank authorizations. Fraudsters used previously stolen credit card data, and banks were authorizing cards without question. Now, any card that’s added to Apple Pay requires a multi-step verification process, including authorization using the apps of issuing banks, and, in many cases, speaking to a live rep and answering security questions.

In stores, Apple Pay relies on the contact-less payment Near Field Communication (NFC) capabilities built into new iPhones. As long as the phone is not turned off, it will recognize a nearby NFC-compatible terminal and instantly display your default card. To authenticate the transaction, Apple Pay uses the iPhone’s Touch ID fingerprint scanner. Here is Apple Pay in action.

Requiring Touch ID means no one who isn’t already authorized to use your iPhone can buy anything; any attempts to do so will be thwarted.

Apple Pay gains ground

Apple launched the service with six major card-issuing banks and the three major networks as partners: American Express, Mastercard and Visa. They account for 83% of all U.S. credit card purchases. At launch, 220,000 locations already had the necessary hardware in place. (I first used it with my iPhone 6 at a McDonald’s.) During Apple’s Spring Forward event on Monday, Apple CEO Tim Cook noted that 2,500 banks now support Apple Pay, as well as nearly 700,000 locations, including some vending machines.

With that level of reach, it makes sense for Apple Watch to arrive with Apple Pay support. But the watch lacks the iPhone’s Touch ID sensor, which until now was necessary for the system to work.

This brings us to the original question: How does Apple Pay work on the Watch? The secret involves a four-digit passcode, NFC and the Watch’s Secure Element technology working in concert with built-in sensors.

How it works on the Watch

To enable Apple Pay on the watch, you first create a four-digit passcode using the companion Apple Watch app (which is part of iOS 8.2). The passcode is used to authorize Apple Pay when you put the watch on your wrist, and it’s Smart enough to know when the Watch has been taken off. (It will prompt you to enter the passcode the next time you put it back on to help prevent someone from snatching your watch and using it to make payments.)

Once that’s done, you have to add your cards again, even if you already have them on your iPhone. The reason is security; remember, the information in the iPhone’s Secure Element is exclusive to that device. To associate a card with the watch, you must use the Watch app on a supported iPhone (which includes the iPhone 5, 5S, 5C, 6, and 6 Plus). The app allows you to add cards to Passbook and Apple Pay. As on the iPhone, cards on the Watch are verified by the bank and then issued an encrypted ID number, which is then stored in the Watch’s Security Element chip.

Note: The Apple Watch will work with any iPhone 5 or newer, but only the iPhone 6, 6 Plus, Apple Watch (and the latest iPad) can use Apple Pay. You can still set up Apple Pay for the Apple Watch with an iPhone 5 (or 5S, or 5C), because the necessary Secure Element is in the Watch, not on the older phone.

Once Apple Pay is set up on the Watch, there’s no separate app needed to use it.- and the iPhone doesn’t even have to be with you. After it’s pre-configured, the Watch can be used anywhere Apple Pay is supported. To make a payment, simply press the side button beneath the Digital Crown twice, and hold your wrist up to a payment terminal. The Watch will vibrate and play a confirmation sound when the transaction is complete. (To choose between credit cards, you use the swipe gesture after pressing the Watch button twice.)

As with the iPhone, can be used to remove the cards you’ve associated with a lost or stolen Watch. But since the Watch’s sensors detect when it’s off your wrist.- and require that four-digit passcode to authorize future purchases.- you’re most likely safe.

Just a four-digit code?

My only complaint? I’d like to see a longer passcode. I have a 10-digit passphrase on my phone, and online passcodes that are two-dozen digits long. So the four-digit passcode seems like the bare minimum you’d want for basic protection. It’ll be enough to generally protect users, but why limit the passcode to four digits? Why not six, or eight? I’d trust a 6-digit password over a 4-digit one, and an 8-digit code over a 6-digit one, for sure. It’s not like it would take longer to tap in and would add a little more security to the device. But I’m obviously picking nits.

With its usual attention to detail, ease of use and user experience, Apple has made it easy to buy things using devices you carry with you anyway. It won’t be long before the whole idea of taking out your wallet, fumbling for the right card, swiping it at a store and punching in a PIN code will be a distant memory. That day gets much closer as soon as the Apple Watch arrives.

How to use Apple Pay online and in stores? (Full guide)

Wondering how to use Apple Pay? It’s a convenient option for online and in person shopping. Any physical merchant that accepts contactless payments can usually also accept Apple Pay, so you can use your phone or even pay on your Apple Watch. Easy.

This guide covers how to get set up with Apple Pay, and how to use Apple Pay in store. We’ll also cover how to use Apple Pay to send money. and introduce the Wise card, which can be used with Apple Pay to cut the costs of spending in 50 currencies.

How to set up Apple Pay?

Apple Pay can be a super handy way to pay for things online and in person. You can use it in the US, or choose to use Apple Pay internationally. You may even be able to use Apple Pay at an ATM. But first you need to get Apple Pay working on your preferred device.

Here’s how to set up Apple Pay by adding a credit or debit card, including the Apple Card, using the Wallet app on your iPhone or Apple Watch. We’ll also cover how to set up Apple Pay on iPads and Macs. handy for when you’re shopping online or in apps.


One of the easiest ways to set up Apple Pay is on your phone. All you need to do is add a credit or debit card, which is pretty much as simple as opening the Apple Wallet and scanning the card you want to add¹:

  • Log into your phone and open Wallet
  • Tap the symbol in the top right of the screen
  • Pick the option to add a debit or credit card
  • Confirm agreement to the Apple terms and conditions
  • Scan your card or enter the card details manually

Apple Watch

Got an Apple Watch? Add Apple Pay there too, to pay when you’re out and about. Here’s how to add a card and get Apple Pay set up²:

  • Log into your phone and open the Apple Watch app
  • Tap My Watch, then Wallet and Apple Pay
  • Tap Add Card and follow the instructions to add your new card

If you already have cards set up on other Apple devices, you’ll be able to add these within the watch simply by selecting the card you want, tapping Add and entering the card CVV code. Your bank might need you to take a further verification step before you can use Apple Pay on your Apple Watch.

iPad Mac

You can add Apple Pay to your Mac or iPad also.

You’ll need to double-check your device is compatible if you have an iPad. this will be based on the operating system you have on the device. For Mac, you’ll need a device which has Touch ID and can then use Apple Pay to spend online easily.

Here’s how to add a card to Apple Pay on the Mac or iPad³:

  • Choose Apple Menu, System Settings (on a Mac) or Settings (on an iPad)
  • Then select Wallet and Apple Pay
  • Click the option to add a debit or credit card
  • Hold your card in front of the Mac or iPad’s camera to scan, or enter the card details manually

Get a Wise card for low cost international spending on the move with Apple Pay

If you travel overseas, or spend online with retailers based internationally, you could cut the costs of currency conversion with a Wise card.

Order a Wise card online or in the Wise app for a one time fee of 9 USD, and hold, exchange, send and spend 50 currencies with the mid-market exchange rate and low, transparent fees every time. For even more convenience, you can connect your Wise card to Apple Pay for mobile spending. and top up your Wise Account with Apple Pay, too.

Please see Terms of Use for your region or visit Wise Fees Pricing: Only Pay for What You Use for the most up-to-date pricing and fee information.

How to use Apple Pay?

Apple Pay works to allow Apple device users to add card details to their Apple digital wallet, to make contactless payments out and about, without needing to carry any physical cards. Just hold your phone near the payment terminal and double-click the side button. if your phone has Touch ID, you don’t even need to enter your passcode.

Let’s walk through the different options, covering how to use Apple Pay on an iPhone and how to use Apple Pay on an Apple Watch.

How do you pay with Apple Pay on iPhone Apple Watch?

If you’re in a store and want to pay with Apple Pay on your iPhone or Apple Watch, all you need to do is:

  • Double tap the button on the right of the phone or watch
  • Select the card you want to pay with. your default card will show first, but you can pick any card you’ve linked to your Wallet
  • If you are using your phone. enter your passcode, use Face ID or Touch ID to verify the payment
  • Hold your phone or watch near the payment terminal
  • Your payment will go through. just like using a contactless payment card

If you’re paying online, it’s even easier. Simply choose Apple Pay as the payment option when you’re at checkout and follow the prompts to enter your passcode or biometrics. You won’t need to enter your shipping or billing information, as it’ll prepopulate the store’s checkout. just review everything and confirm the transaction.

Send money using Apple Cash (Messages)

In the US, you can also send money using Apple Cash to other Apple users with eligible devices. Here’s how to send money with Apple Pay:

  • Open an existing Messages conversation with the person you want to send money to (or start a new conversation if you’d prefer)
  • Tap the Apple Pay button
  • Enter the amount you would like to send
  • Tap Pay and then Send
  • Confirm the payment with your passcode or biometrics

Learn more about how to request money with Apple Pay here.

Frequently Asked Questions

How do I use Apple Pay for the first time?

To use Apple Pay, you’ll first need to add your preferred debit or credit card, following the instructions in the Wallet app.

Do I need to open Wallet to use Apple Pay?

You don’t need to open Wallet to pay with Apple Pay. just double-click the button on the right of your phone or watch.

All sources checked on 19 December 2022

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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Pay With Your iPhone: How to Set Up and Use Apple Pay

With Apple Pay, you can purchase items online and at physical retailers like Target or McDonald’s via your iPhone, iPad, Apple Watch, and Mac. Here’s how it works.

(Credit: René Ramos, Apple)

Whether you’re shopping at your favorite online store or buying items at a brick-and-mortar merchant like Target or McDonald’s, paying with your phone is often easier and quicker than digging around for a credit card or the right amount of cash. That’s why mobile payment apps have increasingly caught on with consumers.

Apple Pay is the default payment method for iPhone, iPad, Apple Watch, and Mac owners. By connecting a credit or debit card through the app, your iPhone or Apple Watch can be used to pay for items at physical stores and at online retailers. You can also use your iPad or Mac to buy items at supported websites. Authenticate the purchase using Face ID, Touch ID, or a PIN, and the funds are taken from your account.

To use Apple Pay, you will need a compatible device (Opens in a new window) and operating system version. For instance, you only need iOS 8.1 to use the app, but if you also want Apple Cash to send and receive money from people, you need iOS 15.5 or higher. Here’s how to set up Apple Pay on all your devices.

How to Set Up Apple Pay on iPhone or iPad

On your iPhone, open the Wallet app and tap the plus sign in the upper-right corner, then choose Debit or Credit Card and tap Continue. You can now add your credit or debit card one of two ways. You can have your phone scan it with the camera in order to capture your name, number, and expiration date.

Alternatively, tap Enter Card Details Manually to type the number and expiration date. With either method, you must also manually enter the security code on the back of the card. Tap Next, then type the expiration date and agree to the terms and conditions.

You must then validate your card through email, text, or a phone call to the bank. Once the code is entered, your card will be approved and added to the Wallet app for later use via Apple Pay.

If you want to set up Apple Pay on your iPad to purchase items online (or in physical stores), you will find that there is no Wallet app. Instead, you must add a card under Settings Wallet Apple Pay, then tap Add Card.

Select Debit or Credit Card to add a new card, then enter the card information, like you would do on an iPhone. Tap Previous Cards to add a payment option that you previously added to your iPhone. You will see a list of the cards you added to your iPhone.

Uncheck any that you don’t want to add to the iPad, then tap Continue. You will then need to verify the card through text, email, or a phone call to the card issuer.

Add an Apple Pay Card

Apple Card, the company’s own credit card, can also be added to Apple Pay and shared with your Family Sharing group. From the Wallet app, tap the plus button, then choose Apply for Apple Card and tap Continue. Confirm your name and phone number, then enter your date of birth and confirm your address.

You must then verify your identity by typing the last four digits of your Social Security number. Tap Next, then enter your yearly income. Tap Next, review the terms and conditions for the Apple Card, and tap Agree.

If you’re approved, you should see a screen with your credit limit, APR, and fees. To get the card, tap Accept Apple Card. If you want to set Apple Card as your default payment option for your Wallet, Apple Watch, Safari, Apple ID, and Apple Pay tap Set as Preferred Card.

You are also given the option to receive the physical titanium Apple Card to use at merchants that don’t accept Apple Pay. Tap Continue to get the card, then review your address and tap Confirm.

You should then see the activity screen for your Apple Card, which will be populated with a balance and activity after you start using the card.

How to Set Up Apple Pay on Your Apple Watch

You can add a card for Apple Pay to an Apple Watch. Toward the end of the setup process when you add a card to your iPhone, you’re asked if you’d like to add it to your Apple Watch. To do so, tap Add Now and enter the security code. The card is then made available from your watch.

However, if you did not do this during the initial setup, you can manually add a card from the Watch app on your iPhone. Open Wallet Apple Pay and tap Add Card to add a new card. For a card you already added on your iPhone, scroll to the section called Other Cards On Your Phone and click Add next to any card you wish to use from your watch.

To view the cards on your Apple Watch, open the Wallet app on the watch. Swipe down to view the cards that have been added. You can also add a card from the watch itself if you swipe to the bottom of the screen and tap Add Card. You can then add a new card or one from your iPhone.

How to Set Up Apple Pay on Your Mac

To access your cards from a Mac, go to System Preferences Wallet Apple Pay and click the Add Card button. The next screen shows you the cards that have already been added to Apple Pay.

Uncheck any you don’t want to add and click Next. You must then enter the security code for any card to be made available on your Mac. You can add a new card if you click Add a Different Credit or Debit Card.

The card can be entered by scanning it or entering the information manually. Accept the terms and conditions, then verify the card through email, text, or a phone call to the issuer.

Customize Apple Pay Settings

After adding multiple cards to Apple Pay, there are several settings that can be tweaked to improve your experience with the app. On your iPhone or iPad, go to Settings Wallet Apple Pay or head to System Preferences Wallet Apple Pay from a Mac.

From your iPhone, you can change the following:

  • Enable or disable the the need to double-click the Side button to view your cards.
  • Enable or disable the ability to use Apple Pay in Safari AutoFill on compatible websites.
  • Allow your phone to confirm payments on a nearby Mac.
  • Add orders directly to the Wallet app.

How to Change Your Default Card

You can change your default card on your iPhone, iPad, and Mac. This is the card that automatically appears when you submit payment for an item. To do this, open to the Wallet Apple Pay settings screen and tap Default Card under the Transaction Defaults section. Check the card you wish to use.

On a Mac, click the Default Card drop-down menu at the bottom of the window and change it to your preferred card.

How to Use Apple Pay

Now that Apple Pay is set up on all your devices, it’s time to use the app. If you want to pay for an item at a physical retailer using your iPhone (or iPad), place your device near the terminal or payment reader. Once it’s in the right spot, Apple Pay should appear with your default card visible.

You can switch to a different card by swiping up on your list of cards. Tap the one you want to use. When you’re ready to make the payment, double-tap and then click the Side button on your device and verify the purchase via Face ID, Touch ID, or a PIN.

To pay for an item online with your iPhone or iPad, initiate the purchase, then double-tap the side button when prompted. You must then verify the payment with Face ID, Touch ID, or your PIN.

To pay for an item in a physical store or a website with your Apple Watch, double-tap the Side button on the watch to display your debit and credit cards. Tap the card you wish to use, then double-tap the Side button to purchase the item.

To pay for an item online with your Mac, browse to a website or app that accepts Apple Pay. Click the price or purchase button for the item you wish to buy, then authenticate the transaction using Touch ID. The item is then purchased.

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