How to use Apple Pay?

If you have an iPhone, Apple Pay is the simplest way to begin using contactless payments. The digital wallet service is not only free to use, but it is also already built into your phone.

Apple Pay works by allowing you to add a digital debit or credit card to the Wallet app. After you’ve set it up, you can use Apple Pay to make purchases online, in apps, and person without carrying physical credit cards, cash, or a separate wallet. Apple Pay can also be used to send money to friends and family via the Messages app. Apple Pay can even be used to replace a transit pass for public transportation in some cities.

When you first boot up a new device, Apple will usually walk you through the process of setting up Apple Pay. If you didn’t, here’s everything you need to know to get started, as well as some pointers on how to use it.

Setting up Apple Pay

The first step, regardless of which device you’re configuring, is to ensure that your device is compatible. Except for the iPhone 5S, this includes any model with Touch ID or Face ID. Apple Pay is also available on certain iPads with Touch ID or Face ID, as well as all Apple Watches since the Series 1. Apple Pay may be supported by Mac models with Touch ID. In any case, you can check here to see if your specific device is eligible.

You’ll also need a supported credit or debit card and an Apple ID that’s signed into iCloud. If you are not signed in to your Apple ID, you may be prompted to do so during the setup process.

When using an iPhone

To add a card to your iPhone, follow these steps:

  1. Launch the Wallet app.
  2. Tap the + sign.
  3. Select Debit or Credit Card from the list of available cards.
  4. Tap the Continue button.
  5. From here, you can either take a picture of your physical card or manually enter your card information.
  6. Check your credit card information.
  7. Tap Accept Terms and Conditions.
  8. Choose whether you want the new card to be your default.
  9. If you have an Apple Watch, you will be prompted to add your card. This can also be done later.

Once you’ve done this on the iPhone, adding the same cards to your other Apple devices becomes much easier. That is why we recommend first adding your cards to the iPhone.

When using an Apple Watch

If you want to use Apple Pay on your Apple Watch, you must first enable a passcode. This is a requirement; otherwise, you will not be able to use Apple Pay on the Watch.

To add a card to the Apple Watch, follow these steps:

  1. On your iPhone, launch the Watch app.
  2. Select the My Watch option.
  3. Scroll down to Wallet & Apple Pay.
  4. From here, simply repeat the previous steps.
  5. If you previously added any cards to your iPhone, they should appear under Other cards on your iPhone.
  6. To add a card to your Watch, tap the Add button next to it.
  7. Verify your card information, and you’re done!

When using an iPad or a Mac

You can use Apple Pay on the iPad and Mac to buy things online and in apps, as well as send money via the Messages app.

To activate Apple Pay on an iPad or Mac, follow these steps:

  1. Navigate to Settings (iPad) or System Preferences (Mac) (Mac).
  2. Choose Wallet & Apple Pay.
  3. Choose Add Card.
  4. Any Previous Cards will be listed under Available Cards from here.
  5. Choose which cards to include.
  6. Tap the Continue button.
  7. Verify your card information, and you’re done!

Making Use of Apple Pay

Before you start whipping out your phone to pay, you should spend some time configuring your settings. If you have more than one card in the Wallet app, you should designate which one is your default card. You must also enable the Apple Cash card to send and receive money in the Messages app.

Apple Pay also requires two-factor authentication by default, which is why you must enable a passcode on the Watch or have a device that supports Touch or Face ID. However, if you prefer to avoid this, you can designate an Express Transit Card.

On the iPhone, Apple Watch, and iPad, go to Settings > Wallet & Apple Pay to access these options. Go to System Preferences > Wallet & Apple Pay on the Mac.

Apple Pay can be used in a variety of ways, but the majority of people will most likely use the service on their iPhones or Apple Watches. You’re good to go as long as you see these symbols where you want to use Apple Pay.

Pay with your iPhone or Apple Watch

To pay with Face ID on an iPhone, double-click the side button. The default card will then appear, and the phone will attempt to authenticate you using Face ID. If it cannot, you will be prompted to enter your passcode. The procedure is the same as on Touch ID phones, except that you will authenticate by placing your finger on the Touch ID button.

On the Apple Watch, you can also bring up your designated card by double-clicking the side button. After that, hold your phone or Watch over the contactless payment reader.

To purchase something in an app or from a website in Safari, simply click the Apple Pay button at the checkout. Then, depending on the device, you’ll be asked to authenticate your identity using Touch ID or Face ID. After that, confirm your payment information and the card you want to use.

Messages are used to send money

To send money via the Messages app, you and the recipient must be in the United States and have the Apple Cash card enabled. On your iPhone, navigate to Settings > Wallet & Apple Pay > Apple Cash. After that, you can fund the card by linking your bank account. Any remaining balance on your card can also be transferred back to your bank.

After you’ve set up Apple Cash, all you have to do is tap the Apple Pay or Apple Cash icon in an iMessage conversation. You will then be prompted to enter an amount and can request or send payment.

That’s all there is to it. Have fun shopping.

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The above article was written by the BestTopReviewsOnline team, which consists of some of the most knowledgeable technical experts in the United States. Our team consists of highly regarded writers with vast experience in smartphones, computer components, technology apps, security, and photography, among other fields.

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