Apple Wallet is a native iPhone/Apple Watch app that acts as a secure digital container for cards, keys, tickets, and IDs. It facilitates Apple Pay, a contactless payment service using NFC technology for secure, encrypted transactions in stores, apps, and online. It also stores boarding passes, transit cards, and loyalty cards.
No, Apple Pay and Apple Wallet aren't the same, but they work together: Apple Wallet is the app (your digital container) that stores your credit/debit cards, loyalty cards, tickets, and passes, while Apple Pay is the technology/service that uses those cards in the Wallet to make secure, contactless payments in stores, online, and in apps. Think of the Wallet as your physical purse and Pay as the tap-to-pay function.
Apple Pay enables you to make secure, contactless purchases using your Apple Cash, your Apple Card, and any other credit and debit cards that you add to Wallet. For apps or merchants that don't accept Apple Pay, use your Apple Cash virtual card number to make your purchase wherever Visa is accepted.
4. No Additional or Hidden Charges. Apple Pay deducts approximately 0.15% from each purchase, which results in less money for a merchant. But because Apple worked with major credit card companies and banks to give their users a convenient experience, there are no other hidden or additional charges for using the app.
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.
Apple Wallet provides a convenient, secure way to add and present your ID card using just your iPhone or Apple Watch. The privacy and security features that are built in to your device — and that help make Apple Pay private and secure — help protect your identity and personal information.
How to pay using Apple Pay in stores and other places
It replaces your physical cards and cash with an easier, safer, more secure and private payment method — whether you're in a shop or online. It's money, made modern. PUBLIC TRANSPORT* Easiest way to get around town.
Apple Pay is designed with your security and privacy in mind, making it a simpler and more secure way to pay than using your physical credit, debit, and prepaid cards. Apple Pay uses security features built-in to the hardware and software of your device to help protect your transactions.
The Wallet app lives right on your iPhone. It's where you securely keep your credit and debit cards, eligible driver's license or state ID, transit cards, event tickets, keys, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more.
To use Apple Pay for the first time, you first add a credit/debit card in the Wallet app, verifying it with your bank, then double-click the side/home button at checkout, use Face ID/Touch ID/passcode for authentication, and hold your device near the contactless reader until you see "Done" and a checkmark.
Many Visa® and Mastercard® credit cards work with Apple Pay. Call the number on the back of your card to see if it's eligible for Apple Pay or check eligible cards.
There's no cost to use Apple Pay. Your usual wireless carrier fees may apply. Your standard fees associated with the use of your physical credit or debit card also apply.
To use Apple Pay in stores, you double-click the side button on iPhones with Face ID or the Home button on iPhones with Touch ID, authenticate (Face ID/Touch ID/passcode), then hold the top of your iPhone near the contactless reader until you see a checkmark. On an Apple Watch, double-click the side button and hold the watch near the reader.
Apple Wallet is a pre-installed app on your iPhone, found as a small icon that looks like a wallet; you can access it on the lock screen by double-clicking the side button (or home button) for quick payments, or find it on the Home Screen or App Library by searching for "Wallet," and manage it in Settings > Wallet & Apple Pay to add or remove cards and set defaults.
Yes, if someone has your Apple ID and password, they can potentially see your texts (iMessages) if they are synced to iCloud or if you have Text Message Forwarding enabled to another device they control, allowing access to messages and backups across all signed-in devices, so securing your account with strong passwords and two-factor authentication is crucial.
Save your passwords and passkeys across your devices with iCloud Keychain. iCloud Keychain keeps your passwords, passkeys, and other secure information updated across your iPhone, iPad, Mac, or PC.
Why you're asked to verify your identity. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Card is issued by Goldman Sachs Bank USA, Member FDIC. Green Dot Bank and Goldman Sachs require identity verification for fraud protection and regulatory reasons.
Using Apple Pay over public Wi-Fi networks can expose your data to hackers. If you access Apple Pay on an unsecured network, scammers can intercept sensitive information, including payment credentials. To protect yourself, avoid making transactions or changing account settings when connected to public Wi-Fi.