Apple Pay on Apple Watch
Apple Pay offers an easy, secure, and private way to pay on your Apple Watch. With your cards stored in the Wallet app on your iPhone and added to Apple Watch, you can use Apple Pay in the following ways:
Contactless payments and apps: Use the credit, debit, and prepaid cards you add to the Wallet app to make purchases in stores that accept contactless payments, and in apps that support Apple Pay.
Once you set up Apple Pay in the Apple Watch app on your iPhone, you’re ready to make store purchases—even when you don’t have your iPhone with you. (Apple Pay isn’t available in all regions.)
Person to person payments: In watchOS 4 and later you can easily and securely send and request money, right in Messages or by asking Siri.
Transit cards: You can add transit cards; they appear at the top of the stack in the Wallet app , above your passes.
For information about Apple Pay availability and current card issuers, go to the Apple Support article Apple Pay participating banks.
Note: You can’t use Apple Pay, and any cards you added to Wallet are removed, if you unpair your Apple Watch or turn off your passcode. If you turn off wrist detection, you must enter your passcode each time you use Apple Pay.