To get started on iPhone, open the Wallet app and tap the plus symbol. Then add a credit or debit card by tapping the back of your iPhone with your eligible card. You'll have the option to add your card to your other devices at the same time. When you want to pay, just double-click, tap, and you're set.
What is the difference between Apple Pay and Apple Wallet? Apple Pay is a safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.
On an iPhone with Face ID, you can also use AssistiveTouch or use Switch Control to confirm payments with Face ID instead of double-clicking the side button.
Cons of Apple Pay
Apple Pay is not accepted at all retailers and not compatible with all banks or card issuers. Backup may be required, just in case. Apple Pay only works if your phone does. You may still need to carry a physical credit card as a backup in case your battery dies or you misplace your phone.
Apple Pay transactions incur no more charges for customers or businesses than traditional credit card transactions do. While there might be some setup costs, purchases such as NFC-enabled payment terminals can be a good investment to keep the organization up to date and provide a smoother checkout process.
To make contactless transactions with Apple Pay
If you want Apple Pay and the Wallet app to launch automatically when you double-click the side button or hold your iPhone near a contactless reader, you'll need to select Apple Wallet as your default contactless app in Settings.
Since Apple Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.
Apple Pay works with Face ID and Touch ID to deliver two-factor authentication. If you haven't used mobile pay before, don't worry, you can use it anywhere you see the contactless symbol, paying for items in an instant.
If you pay with Apple Pay using a debit card, there are no additional fees. Finally, there is no fee for transferring money to another Apple Pay user from a debit card linked to Apple Pay. However, you will pay a 3% fee if you transfer money to an individual using a credit card linked to Apple Pay.
A charge on your financial statement from apple.com/bill could be for apps, subscriptions, music and movie purchases, or more from Apple.
Apple Pay transactions will be deducted from your balance including pending transactions immediately, but you will not see them on your Mobile app or Online Banking until the bank has received them and posted them to your account.
The survey results suggest that the top reason for using mobile tap-and-pay is because it is more usable than traditional debit or credit cards. In contrast, our survey identified user security concerns as the top reason for not using Apple Pay. In fact, Apple Pay nonusers were not too concerned about usability.
In some countries and regions, you might need to enter your PIN, sign your receipt, or use other methods of verification as a request from the merchant or card issuer. Card issuers and merchants may set transaction limits or PIN requirements. Please contact the card issuer or merchant for more details.
Apple does not charge any fees for Apple Pay. But the various cards you use within Apple Pay may charge fees. Apple Pay should not be confused with Apple Card (An Apple sponsored credit card, which of course has fees for some things).
Apple Pay uses security features built-in to the hardware and software of your device to help protect your transactions. In addition, to use Apple Pay, you must have a passcode set on your device and, optionally, Face ID, Touch ID, or Optic ID. Apple Pay is also designed to protect your personal information.
Use Apple Pay at a store
Double-click the lock button on the right side of your iPhone. Use Face ID or Touch ID to verify your identity. Hold your phone up to the contactless reader.