How to use Apple Pay

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mobtkr26 May 2022Last Update : 1 month ago
How to use Apple Pay

If you’re using an iPhone, Apple Pay is the easiest way to get started with contactless payments. Not only is the digital wallet service free, but it’s also already built into your phone.

Apple Pay works by letting you add a digital version of a debit or credit card to the Wallet app. Once you’re set up, you can use Apple Pay to buy things online, in apps, and in person without having to carry your 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 a transit pass.

Typically, Apple will walk you through setting up Apple Pay when you first start a new gadget. But, if for some reason you haven’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 around with the settings in the Wallet & Apple Pay menu.

No matter what device you are setting up, the first step is to always check if your device is compatible. For iPhones, this is any model with Touch ID or Face ID except the iPhone 5S. You can also use Apple Pay on select iPads with Touch ID or Face ID and all Apple Watches since Series 1. Mac models with Touch ID can also support Apple Pay. Either way, you can check if your specific device is eligible here.

The next thing you will need is a supported credit or debit card and an iCloud-connected Apple ID. If you’re not signed in to your Apple ID, you may be prompted to sign in during the setup process.

On an iPhone

To add a map to your iPhone:

  • Open the Wallet application.
  • Press the + button.
  • Below Cards availableto select Debit or credit card.
  • Faucet Continue.
  • From here, you can either take a picture of your physical card or manually enter your card details.
  • Check your card details.
  • Faucet to agree on the Terms and Conditions.
  • Choose whether you want the added card to be your default card.
  • If you have an Apple Watch, you will now be prompted to add your card to the device. You can also do it later.

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

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You can also use Apple Pay on Apple Watch.

On an Apple Watch

If you want to use Apple Pay on your Apple Watch, make sure you’ve enabled a passcode first. This is a mandatory requirement – you won’t be able to use Apple Pay on the watch otherwise.

To add a map to Apple Watch:

  • Open the Watch app on your iPhone.
  • Hit it My watch tongue.
  • Scroll to Wallet and Apple Pay.
  • From there, you can follow the same steps as above.
  • If you’ve already added maps to your iPhone, you should see them listed under Other maps on your iPhone. Press the Add next to each card to add it to your watch.
  • Check your card details and you’re done!

On an iPad or Mac

On 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 an iPad or Mac:

  • Go to Settings (iPad) or System Preferences (Mac).
  • To select Wallet and Apple Pay.
  • To select Add a map.
  • From here, anyone Previous maps will be listed under Available Maps.
  • Select the cards you want to add.
  • Faucet Continue.
  • Check your card details and you’re done!

Using Apple Pay

Before you start whipping out your phone to pay, you should take some time to sort through your settings. If you have multiple cards in the Wallet app, you should take the time to designate your default card. Also, if you want to send and receive money in the Messages app, you need to activate the Apple Cash card.

By default, Apple also requires some sort of two-factor authentication when using Apple Pay. That’s why you need to enable a passcode on the watch or have a device that supports Touch or Face ID. But if you want to circumvent this, you can also designate an express transit card.

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You’re not going to tap an iPad against a contactless payment terminal, but you can use Apple Pay on it while shopping online.

To access these options, go to Settings > Wallet and Apple Pay on iPhone, Apple Watch and iPad. On 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 symbols where you want to use Apple Pay, you’re good to go.

Pay with iPhone or Apple Watch

To pay with an iPhone with Face ID, double click side button. You will then see the default card appear and the phone will attempt to authenticate you using Face ID. If not, you may be prompted for your password. The process is the same with Touch ID phones, except you’ll authenticate by putting your finger on the Touch ID button.

On the Apple Watch, you can also double-click the side button to bring up your designated card. Once done, you can hover over your phone or watch the contactless payment reader.

If you want to buy something in an app or on a website in Safari, just click the Apple Pay button during checkout. From there, you’ll be asked to authenticate your identity via Touch ID or Face ID, depending on the device. Once done, check which card you want to use and your payment information.

Send money with Messages

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To send money in Messages, you and the person you’re transacting with need to activate the Apple Cash card.

To send money through the Messages app, you — and the person you’re transacting with — must be in the United States and have the Apple Cash card activated. You can do this on your iPhone by going to Settings > Wallet and Apple Pay > Apple Cash. Once done, 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 Apple Cash is set up, all you need to do is tap the Apple Pay or Apple Cash icon in a one-to-one iMessage conversation. From there, you’ll be prompted to enter an amount and can then request or send a payment.

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

Photography by Victoria Song / The Verge

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