About Apple Pay

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, Apple Watch, and Mac. And now you can send and receive money with friends and family right in Messages.1

What do I need to use Apple Pay?

Here's what you need to use Apple Pay in supported countries or regions:

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone, iPad, and Apple Watch. On the web in Safari,3 you can use Apple Pay on your iPhone, iPad, and Mac. In some countries and regions, you can use Apple Pay on your iPhone and Apple Watch to ride transit.

To use Apple Pay with Safari on a Mac model without built-in Touch ID, you might need to check your settings. On your iOS device, go to Settings > Wallet & Apple Pay and make sure that Allow Payments on Mac is turned on.

How do I add a card to Wallet to use with Apple Pay?

You can start using Apple Pay as soon as you add your credit, debit, or prepaid card to Wallet. Remember to add your cards to any device that you want to use with Apple Pay.

Your Apple Card4 is automatically added to Wallet and Safari AutoFill on the device you used to apply for Apple Card. See how to add Apple Card on your iPad, Apple Watch, or Mac model with Touch ID.

In the United States, you can add the Apple Cash card to Wallet by sending or receiving a payment, or by turning Apple Cash on in Settings > Wallet & Apple Pay.

Your bank, card issuer, and AppleCare are ready to help you with issues when you add credit, debit, or prepaid cards to your device. You can contact your bank, card issuer, or AppleCare for help. Or try these steps to get help adding a card to Apple Pay

In Japan, you can also add Suica cards to Wallet and use them with Apple Pay. For help with Suica, you can contact Suica Support at 050-2016-5005. Or try these steps to get help adding a Suica card.

In Beijing and Shanghai, China mainland, you can add transit cards to Wallet and use them with Apple Pay.

In certain countries and regions, you can also add store cards, boarding passes, movie tickets, coupons, and rewards cards to Wallet. At some schools in the United States you might be able to use your student ID cards on iPhone and Apple Watch.

Learn how to remove a card from Wallet.

How do I use Apple Pay?

You can use Apple Pay in stores, within apps, on the web in Safari,3 and for some transit. In the United States, you can use Apple Pay to send and receive money with friends and family. And you can make payments to participating businesses in Business Chat on your iPhone, iPad, or iPod touch.5

In stores, look for one of these symbols at checkout. If you can’t use Apple Pay at a store that displays one of these symbols, let us know.2 Within apps and on the web in Safari, look for the Buy with Apple Pay button or Apple Pay as a payment method.

When paying in stores with Apple Pay in some countries and regions, if your transaction exceeds a certain amount, you might need to enter your PIN. In some cases, you might need to sign a receipt or use a different payment method.

How do I send or receive money from another person

With Apple Pay, you can send and receive money right from your iPhone, iPad, or Apple Watch.1 Send money in Messages, or ask Siri to pay someone, using the debit cards that you already have in Wallet. Learn about person to person payments.

When you receive money, it’s added to your Apple Cash card that is in the Wallet app. You can start using the balance right away to make purchases using Apple Pay in stores, within apps, and on the web. You can also transfer your Apple Cash balance to your bank account. 

To create an Apple Cash account and to send and receive money, you must be at least 18 years old and a resident of the United States. These services are provided by Green Dot Bank, Member FDIC. 

Will I continue to earn rewards and benefits from my credit, debit, or prepaid cards when I pay using Apple Pay?

Yes. When you pay using Apple Pay, you'll continue to get the rewards, benefits, and security that your credit, debit, or prepaid card provides.

If you use Apple Card4 with Apple Pay, you can get Daily Cash on your Apple Card purchases.

Card view in the Wallet app

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just as they would with a plastic credit, debit, or prepaid card payment. To see the last four digits of the Device Account Number:

  • iPhone or iPad: Go to Settings > Wallet & Apple Pay, and tap the card.
  • Apple Watch: Open the Apple Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, then tap your card.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment:

  1. On the device that you used to make the original payment, select the card that you want to be refunded. Remember to use the card registered within Apple Pay, not your physical card.
  2. On your iPhone, hold the device near the reader and authorize the return with Face ID, Touch ID, or passcode. On your Apple Watch, double-click the side button and hold the display of your Apple Watch within a few centimeters of the contactless reader. 

Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your card statement. Apple Pay activity is also included on your card statements.

For items bought using a Suica card with Apple Pay, just return the item to the same terminal where you made the purchase. Make sure to return the item before you use Suica with Apple Pay to make another purchase.

Most recent card transaction in Wallet

How can I check my recent transactions?

When you view a card in Wallet, you see recent transactions for each credit, debit, or prepaid card, including Apple Cash.1 You also see transactions for transit cards.

If you have Apple Card,4 learn how you can review individual transactions.

Depending on your bank or card issuer, you might see only transactions made from your device. Or you might see all transactions made from your credit, debit, or prepaid card account, including all Apple Pay devices and your physical card.

If you've set up your Apple Watch with Apple Pay, you might also be able to see recent transactions in the Watch app on your iPhone. In the Watch app, just tap Wallet & Apple Pay, tap your card, then tap the Transactions tab.

Some banks or card issuers provide only initial authorization amounts to Wallet, which might be different from the final transaction amount. You might see different transaction amounts in Wallet and your statement from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the statement from your bank or issuer for final transaction details. For Apple Cash, you can get a statement sent to your Apple ID email address.

How secure is Apple Pay?

Apple Pay is safer than using a plastic credit, debit, or prepaid card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with Face ID, Touch ID, or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch or when you pay using Apple Pay. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers. 

When you pay in stores, neither Apple nor your device sends your actual card numbers to merchants. When you pay within apps and on the web in Safari,3 the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

Learn more about Apple Pay security and privacy.

What if my iPhone, iPad, Apple Watch, or Mac is lost or stolen?

With Apple Pay, you authorize each purchase with Face ID, Touch ID, or your passcode. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to your Apple ID account page or use the Find My app on an iPhone or iPad to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank or card issuer to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

When you use a Suica card with Apple Pay, your balance is recoverable, even if you lose your device. When a Suica card is removed from any device, the remaining balance is stored and remains available to re-add to Apple Pay on another eligible device that is signed in to iCloud with the same Apple ID. If your device is offline, your Suica cards will be suspended from use by midnight. You can also call your card issuer or Suica Support (050-2016-5005) to suspend or remove your cards from Apple Pay. You can add your Suica cards back to Apple Pay after 5:00 a.m.

Can I continue to use my plastic credit, debit, or prepaid cards if I suspend or remove my cards in Wallet?

When you suspend or remove your cards in Wallet, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic cards.

I’m a merchant. How can I accept Apple Pay in my store?

Learn how to get started if you want to accept Apple Pay in your store.

I’m an app developer. How can I accept Apple Pay within my apps or on the web?

To accept Apple Pay within your app or on the web,3 go to Apple Pay for developers to learn how to get started.

  1. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. This feature is available only in the United States. 
  2. Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Face ID, Touch ID, or a passcode. On your Apple Watch, you need to set up a passcode. If you sign out of iCloud or remove your passcode, all credit, debit, prepaid, student ID cards, transit cards, and Suica cards will be removed from that device.
  3. In China mainland, you can use Apple Pay on the web in Safari only on compatible iPhone and iPad models using iOS 11.2 or later.
  4. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Apple Card is available only in the United States.
  5. Business Chat is currently in beta. In some countries, Business Chat will become available to businesses on a rolling schedule.


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