Security

Pay with credit and debit cards in stores with Apple Pay

If iPhone or Apple Watch is on and detects an NFC field, it presents the user with the requested card (if automatic selection is turned on for that card) or the default card, which is managed in Settings. The user can also go to the Wallet app and choose a card, or when the device is locked:

Double-click the Home button on devices with Touch ID
Double-click the side button on devices with Face ID

Next, before information is transmitted, the user must authenticate using Touch ID, Face ID, or their passcode. When Apple Watch is unlocked, double-clicking the side button activates the default card for payment. No payment information is sent without user authentication.

After the user authenticates, the Device Account Number and a transaction-specific dynamic security code are used when processing the payment. Neither Apple nor a user’s device sends the full actual credit or debit card numbers to merchants. Apple may receive anonymous transaction information such as the approximate time and location of the transaction, which helps improve Apple Pay and other Apple products and services.

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Apple Platform Security

Pay with credit and debit cards in stores with Apple Pay