Using Apple Pay is a straightforward process, and it allows you to make secure payments using your Apple device at compatible merchants. Here’s a step-by-step guide on how to use Apple Pay.
Steps on How to Use Apple Pay to Send Money
1. Ensure Compatibility:
- Make sure your Apple device is compatible with Apple Pay. Apple Pay works on the iPhone, iPad, Apple Watch, and Mac.
2. Set Up Apple Pay:
- If you haven’t already, add your credit, debit, or other supported cards to the Wallet app on your device. Here’s how to do it:
- On iPhone or iPad: Open the Wallet app and tap the “+” icon. Follow the on-screen instructions to add your cards.
- On Apple Watch: Open the Apple Watch app on your iPhone, go to the My Watch tab, and tap “Wallet & Apple Pay.” Follow the prompts to add cards.
- On Mac: Go to System Preferences > Wallet & Apple Pay and click the “+” button to add cards.
3. Set a Default Card (Optional):
- You can set one of your cards as the default card for convenience. This card will be used by default when making payments. To set a default card:
- On iPhone or iPad: Open the Wallet app, tap on the card you want to set as default, and tap “Set as Default Card.”
- On Apple Watch: Open the Apple Watch app on your iPhone, go to the My Watch tab, and tap “Wallet & Apple Pay.” Select your default card.
- On Mac: Go to System Preferences > Wallet & Apple Pay and select your default card from the list.
4. Make an In-Store Purchase:
- When you’re ready to make a purchase at a physical store that accepts Apple Pay (look for the Apple Pay or contactless payment symbol), follow these steps:
- On iPhone: Double-click the side button (on iPhone X or later) or the home button (on older iPhones) to activate Apple Pay. Your default card will appear. Authenticate using Face ID, Touch ID, or your device passcode. Hold your iPhone near the contactless payment terminal until you see a checkmark or a “Done” message.
- On Apple Watch: Double-click the side button on your Apple Watch. Your default card will appear. Hold your Apple Watch near the contactless payment terminal until you feel a tap or hear a beep.
- On Mac: When making an online purchase on a Mac that supports Apple Pay, select Apple Pay as the payment option and follow the on-screen instructions to complete the purchase using your iPhone or Apple Watch for authentication.
5. Make an In-App or Online Purchase:
- When making a purchase within a supported app or website, select Apple Pay as your payment method. Confirm your payment details, and if prompted, use Face ID, Touch ID, or your device passcode for authentication.
6. Sending Money via iMessage (Apple Cash):
- To send money to friends and family through iMessage using Apple Cash, open a conversation in the Messages app, tap the App Store icon, and select Apple Pay. Enter the amount and tap the send button. Authenticate the payment if required.
7. Review Transactions:
- You can view your Apple Pay transactions in the Wallet app. This helps you keep track of your spending.
That’s it! Apple Pay makes payments fast and secure, and it’s a convenient way to pay in stores, in-app, or online without the need to carry physical cards or cash. Just make sure your device is charged, and you’re ready to go.
How to use Apple Pay
1. Set up Apple Pay in the Wallet app
Before using Apple Pay as your contactless payment form, you need to set it up by adding your credit or debit cards to your iPhone. You can set up Apple Pay from your iPhone’s settings or simply by going to the Wallet app and adding your cards there.
2. Tap on the Add Card button and enter info
From the Wallet app, tap on the + (plus) sign at the top right of your screen to add a card. Then, choose the type of card you’re adding; if it’s a payment method, select Debit or Credit Card. The other options are for Transit Cards and Driver’s License or State ID, and are limited to a few states within the US.
Next, you’ll be prompted to enter your card information and edit your settings, like choosing a default payment card. Apple will then make contact with the card issuer to verify your payment information is valid, and you’ll be ready to use Apple Pay once this step is completed. It typically takes no more than a few minutes to verify your information with your bank or card issuer.
3. When you’re checking out, double-click the right-side button
Double-clicking, or, rather, double-pressing, the button on the right side of your iPhone brings up your available cards to use in Apple Pay. Do this when it’s time to pay at the checkout counter, and you can then choose your preferred payment card when the Wallet comes up.
4. Enter your passcode or use Face ID to confirm payment
Once you’ve tapped on a card from your iPhone’s Wallet, you’ll be prompted to enter your passcode or use Face ID to authorize and pay for your purchase using Apple Pay.
5. Hold your iPhone near the payment terminal
Entering your passcode authenticates your payment, so all you need to do next is hold your phone within about an inch of the card reader to process the transaction.
The payment with Apple Pay will only work if the payment terminal accepts contactless payments via NFC.