A Comprehensive Guide on How to Use Apple Pay

In today’s fast-paced digital world, mobile payment solutions have become increasingly popular, making it easier than ever to make secure and convenient transactions. Apple Pay is one such mobile payment platform that allows users to pay for goods and services using their Apple devices, including iPhones, iPads, Watches, and Macs. In this comprehensive guide, we’ll walk you through how to set up and use Apple Pay for a seamless and secure payment experience.

Part 1: Setting Up Apple Pay

1. Check Compatibility

Before you can start using the feature, ensure your device is compatible. Apple Pay is available on iPhones, iPads, Apple Watches, and Macs with the necessary hardware and operating system requirements. Visit Apple’s official website to verify if your device supports Apple Pay.

2. Add a Payment Card

To use Apple Pay, you’ll need to add a credit or debit card to your Apple Wallet. Here’s how:

On iPhone or iPad:

  1. Open the Wallet app.
  2. Tap the “+” button in the upper right corner.
  3. Follow the prompts to add your card by either manually entering card details or using the device’s camera to capture them.
  4. Verify your card through the verification process provided by your bank or card issuer.

On Apple Watch:

  1. Open the Apple Watch app on your iPhone.
  2. Tap ‘Wallet & Apple Pay.’
  3. Add a new card following the same steps as on your iPhone or iPad.

3. Set a Default Card

You can designate one of your added cards as the default payment method for a more efficient transaction process. To set a default card:

On iPhone or iPad:

  1. Open the Wallet app.
  2. Tap on the card you want to set as default.
  3. Scroll down and select “Set as Default Card.”

On Apple Watch:

  1. Open the Watch app on your iPhone.
  2. Tap ‘Wallet & Apple Pay.’
  3. Tap on ‘Default Card’ and select the card you want as default.

Part 2: Making Payments with Apple Pay

Now that your cards are added and set up, here’s how to use Apple Pay for making payments:

1. In-Store Payments

When making purchases at physical retail stores that accept Apple Pay, follow these steps:

  1. Wake up your device or double-click the side button (for iPhones with Face ID) or double-click the home button (for iPhones with Touch ID).
  2. Your default card will appear; authenticate using Face ID, Touch ID, or your device’s passcode.
  3. Hold your device near the contactless payment terminal, and the transaction will be completed once it’s authorized.

2. Online and In-App Payments

Apple Pay also works for online shopping and in-app purchases. When checking out:

  1. Choose Apple Pay as the payment option.
  2. Authenticate using Face ID, Touch ID, or your device’s passcode.
  3. Confirm the payment with a simple touch or glance, and your payment information will be securely sent to the merchant.

3. Sending and Receiving Money

You can send and receive money through Apple Pay using the Messages app. Here’s how:

  1. Open a conversation in Messages.
  2. Tap the icon.
  3. Enter the amount you want to send or request.
  4. Authenticate the payment.
  5. Review and send your payment.

Part 3: Managing Apple Pay

1. Managing Cards

To add, remove, or update your payment cards:

  • On iPhone or iPad: Open the Wallet app, tap on your card, and use the respective options.
  • On Apple Watch: Open the Watch app on your iPhone, go to ‘Wallet & Apple Pay,’ and make the necessary changes.

2. Security and Privacy

This is designed with security in mind. Your card information is never stored on your device or Apple’s servers. Instead, it uses a unique Device Account Number for each transaction, enhancing security. Ensure you have a strong device passcode or biometric authentication (Face ID/Touch ID) to protect your payment information.

3. Wallet Passes

Besides payment cards, you can also store boarding passes, event tickets, and loyalty cards in the Wallet app for easy access.

Part 4: Additional Features and Tips

1. Use Apple Cash

Apple Cash is a feature that allows you to send and receive money directly through the Messages app. You can fund your Apple Cash card from your linked bank account or debit card. This feature is handy for splitting bills with friends, paying for services, or sending gifts.

2. Apple Pay Rewards and Loyalty Cards

Many businesses and apps integrate with this to offer rewards and loyalty programs. When making a purchase with it, you can automatically earn and redeem rewards points or store-specific discounts without the need for physical cards.

3. Apple Card Integration

If you have an Apple Card, it can be seamlessly integrated with feature. This offers you the convenience of tracking your spending, viewing detailed transaction information, and making payments directly from the Wallet app.

4. Express Transit

In certain cities, this offers the Express Transit feature. This allows you to quickly use public transportation services by simply holding your device near the transit terminal without the need to authenticate with Face ID, Touch ID, or a passcode. Also, check if your city supports this feature.

Part 5: Frequently Asked Questions

1. Is Apple Pay secure?

Yes, feature is highly secure. It uses tokenization to replace your actual card number with a unique Device Account Number for each transaction. This means your card information is never shared with merchants, reducing the risk of data breaches.

2. Can I use Apple Pay internationally?

Yes, you can use Apple Pay internationally wherever contactless payments are accepted. Ensure your payment card is accepted by checking with your bank or card issuer and that your device is connected to a network.

3. What if my device is lost or stolen?

If your Apple device is lost or stolen, you can use Find My iPhone (or Find My) to remotely lock or erase your device to prevent unauthorized use. Additionally, your payment information is protected by biometric authentication (Face ID/Touch ID) or your passcode.

4. Can I use Apple Pay on my Mac?

Yes, this is available for online purchases on your Mac. Another option, Simply select this as the payment method at checkout and authenticate using your iPhone or Apple Watch.

5. What if my payment is declined?

If your payment is declined, ensure your default card is valid and has sufficient funds. You can also try repositioning your device near the contactless terminal or check with the merchant for any specific issues.


Apple Pay offers a secure, convenient, and contactless way to make payments in stores, online, and within apps. By following this comprehensive guide, you can set up and use Apple Pay on your devices with confidence, enjoying the benefits of a seamless and secure payment experience.