Apple Pay works with most major credit and debit cards (Visa, Mastercard, Amex, Discover) from participating banks, plus store cards and transit cards, with support from thousands of financial institutions globally; if your card is from a major issuer and a supported bank like Chase, Bank of America, or Capital One, it's likely compatible, but you should always check your bank's list or add it to the Wallet app to be sure.
To start, Apple Pay is compatible with most major credit and debit cards from leading banks and financial institutions. If you have a Visa, MasterCard, American Express, or Discover card issued by participating banks—chances are good that it will work seamlessly with Apple Pay.
Banks that support Apple Pay: Maybank, RHB, HSBC, Standard Chartered, and Ambank, all work with Visa and Mastercard credit and debit cards. Banks with limited or no support: Bank Islam, Affin Bank, CIMB, Public Bank, UOB, Hong Leong Bank, and Alliance Bank don't fully support Apple Pay yet.
You can currently add eligible Visa, Mastercard, eftpos and American Express credit, debit and charge cards offered in Australia by:
Your card might not be eligible for Apple Pay because your bank doesn't support it, you're in an unsupported region, your device needs an update, you've hit a token limit from adding it to many places, or security locks are on due to failed attempts, with the primary fix often being contacting your card issuer for approval or to reset tokens.
Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support Apple Pay here. If your card does not yet support Apple Pay, contact your bank for more information.
Curve supports all Mastercard, Visa and Discover cards, even those not directly compatible with Apple Pay. On your iPhone, open the Apple Wallet app. Tap the + icon in the top right corner to add a new card. Select "Debit or Credit Card," and hold your physical Curve card near your phone's camera to scan the details.
Note: If you can't add your card, it may not be supported by Apple Pay, or your issuer may need to approve it first.
To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer.
Everything. The Wallet app lives right on your iPhone. It's where you securely keep your credit and debit cards, transit cards, event tickets, keys, and more — all in one place.
Adding your Western Union Prepaid Visa Card to Apple Pay and Google Wallet brings convenience and security to your transactions. This simple integration allows for quick payments, while keeping your money safe.
You can use Apple Pay in stores, apps, and on the web, wherever you see the contactless payment symbols or the Apple Pay button, including major retailers, restaurants, gas stations, and transit systems in some regions, by tapping your iPhone or Apple Watch. It's accepted widely in the U.S. (over 85% of retailers) for contactless payments and online checkouts.
Yes, you can add a card to Apple Pay without the physical card by entering the details manually or by using the card issuer's app, often with virtual card numbers from services like Apple Cash, which provides card info within the Wallet app for easy adding, requiring only the card number, expiry, and CVV.
If you can't add a debit or credit card to Apple Wallet
Make sure you sign in to iCloud on all of your devices. On your iOS device, you need to set up Face ID, Touch ID or a passcode. On your Apple Watch, you'll need to set up a passcode.
Apple Pay is part of the Wallet app. Wherever you can pay with your debit or credit card contactless, it is possible to pay with Apple Pay without a card. Apple Pay uses the Apple Wallet and you can link this payment service to an existing bank account or to a credit card.
Apple does not approve or decline cards for use with Apple Pay. If your card has been declined, contact your bank or card issuer. To use Apple Pay, you'll need a supported card from a participating card issuer. To check whether your card is compatible with Apple Pay, contact your card issuer.
Essentially all major banks and credit unions in the U.S. support Apple Pay (as well as banks in more than 80 countries). However, every credit card may not work with the platform. If you're unsure, reach out to your credit card issuer to verify.
This decision is a reflection of Apple shifting strategy away from owning and servicing installment loans, and toward elevating Apple Pay as a digital payment platform.
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.
Apple Pay works with many of the major credit and debit cards from the top banks. Just add your supported cards and continue to get all the rewards, benefits, and security of your cards. We're working with more banks to support Apple Pay.
Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, iPadOS, watchOS, macOS or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device. Make sure that you are in a supported country or region.
✅ How to Fix the Issue
If your card was declined, contact your bank or card issuer. To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets.