How to use Apple Pay

Find out how to pay easily and securely with Apple Pay in shops and restaurants, within apps, on the web and more.

Pay in shops and other places

With your iPhone or Apple Watch, you can use Apple Pay wherever you see one of these symbols.1,2 You can pay with Apple Pay in shops, restaurants, taxis, vending machines and many other places.

How to use Apple Pay

Pay with iPhone with Face ID

  1. To use your default card, double-click the side button.
  2. Glance at your iPhone to authenticate with Face ID, or enter your passcode. 
  3. Hold the top of your iPhone near the contactless reader until you see 'Done' and a tick on the display.

Watch the demo to see how it works.

Pay with iPhone with Touch ID

  1. To use your default card, rest your finger on Touch ID. 
  2. Hold the top of your iPhone near the contactless reader until you see 'Done' and a tick on the display.

Watch the demo to see how it works.

How to use Apple Pay on Apple Watch

Pay with Apple Watch

  1. To use your default card, double-click the side button
  2. Hold the display of your Apple Watch near the contactless reader.
  3. Wait until you feel a gentle tap.

Depending on the shop and transaction amount, you might need to sign a receipt or enter your PIN.

If you're paying with Apple Cash in the United States, authenticate with Face ID, Touch ID or a secure passcode.3 Some terminals may still request a PIN to complete any debit transaction. If prompted, just enter 0000 or any other four-digit code.

If you're in Japan

Let the cashier know if you're paying with Suica, iD or QUICPay. Simply look for the logo on your card in Wallet. To use the Suica card that's set as your Express Travel card, simply hold the top of your iPhone near the reader.

If you’re in China mainland

To pay in shops with your credit or debit card, you need to:

  1. On an iPhone with Touch ID, double-click the home button, then rest your finger on Touch ID or enter your passcode before holding your iPhone near the reader.
  2. On an iPhone with Face ID, double-click the side button and authenticate with Face ID before holding your iPhone near the reader.

Pay with a different card instead of your default card

Here's how to switch cards:

  • iPhone with Face ID: Double-click the side button. When your default card appears, tap it, then tap to choose another card. Glance at your iPhone to authenticate with Face ID, then hold the top of your device near the reader to pay. 
  • iPhone with Touch ID: Hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap to choose another card. Rest your finger on Touch ID to pay.
  • Apple Watch: Double-click the side button. When your default card appears, swipe left or right to choose another card. Hold your watch near the reader to pay.


How to use Apple Pay in apps

Pay for apps or within apps

With your iPhone, iPad and Apple Watch, you can use Apple Pay to pay within apps when you see Apple Pay as a payment option. Look for one of these buttons in apps.

To pay with Apple Pay within an app:

  1. Tap the Apple Pay button or choose Apple Pay as your payment method.
  2. Check your billing, delivery and contact information to make sure that they're correct. If you want to pay with a different card, tap next icon next to your card.
  3. If you need to, enter your billing, delivery and contact information on your iPhone or iPad. Apple Pay will store that information, so you won't need to enter it again.
  4. Confirm the payment. When your payment is successful, you'll see ‘Done’ and a tick on the screen.
    • iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
    • iPhone or iPad without Face ID: Use Touch ID or your passcode. 
    • Apple Watch: Double-click the side button. 

In China mainland, you might need to enter your PIN.

In some countries or regions, you can use Apple Pay to make payments in Business Chat.4

Find out how to use Apple Pay as a payment method for Apple ID.

Pay online or in Safari

With your iPhone, iPad and Mac, you can use Apple Pay to pay on the web in Safari.5,6

How to use Apple Pay on the web

With your iPhone or iPad

  1. Tap the Apple Pay button.
  2. Check your billing, delivery and contact information to make sure that they're correct. If you want to pay with a different card, tap the next icon  next to your card.
  3. If you need to, enter your billing, delivery and contact information. Apple Pay will store that information, so you won't need to enter it again.
  4. When you’re ready, make your purchase and confirm the payment.
    • iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
    • iPhone or iPad without Face ID: Use Touch ID or your passcode. 
    • Apple Watch: Double-click the side button. 
  5. When your payment is successful, you’ll see ‘Done’ and a tick on the screen.

With your Mac models with Touch ID

  1. Tap the Apple Pay button.
  2. Check your billing, delivery and contact information to make sure that they're correct. To pay with a different card instead of your default card, click the expand menu icon  next to your default card and select the card you want to use. 
  3. If you need to, enter your billing, delivery and contact information. Apple Pay will store that information, so you won't need to enter it again.
  4. When you're ready, make your purchase. Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen. When your payment is successful, you'll see ‘Done’ and a tick on the screen.

Apple Cash isn't available in macOS.3

With other Mac models

  1. You need an iPhone or Apple Watch to confirm payments. Make sure that you're signed in with the same Apple ID on all your devices. 
  2. Make sure you've turned on Bluetooth on your Mac.
  3. Tap the Apple Pay button.
  4. Check your billing, delivery and contact information to make sure that they're correct. To pay with a different card instead of your default card, click Expand menu icon next to your default card and select the card you want to use. You can choose credit and debit cards or Apple Cash from any iPhone or Apple Watch that is nearby and signed in to the same iCloud account.3
  5. If you need to, enter your billing, delivery and contact information. Apple Pay will store that information on your iPhone, so you won't need to enter it again.
  6. When you're ready, make your purchase and confirm the payment. 
    • iPhone with Face ID: Double-click the side button, then use Face ID or your passcode.
    • iPhone with Touch ID: Use Touch ID or your passcode. 
    • Apple Watch: Double-click the side button. 
  7. When your payment is successful, you'll see ‘Done’ and a tick on the screen.

Use a rewards card

At participating shops, you can receive or redeem rewards using Apple Pay. Just add your rewards card to Wallet and use it when you pay with Apple Pay. If you want your rewards card to appear automatically in a shop, go to the card, tap the more button , then turn on Automatic Selection.

After using your rewards card, Apple Pay switches to your default payment card to pay for the purchase. Depending on the shop, you can apply your rewards card and payment card in one step, or you might need to wait until the terminal or cashier asks for payment.

Check your transaction history

When you tap a card in Wallet, you see the latest transactions for each credit, debit or prepaid card, including Apple Cash.* You also see the latest transactions for travel cards. Depending on your bank or card issuer, you might only see transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your physical card.

If you've set up your Apple Watch with Apple Pay, you can check your transaction history in the Watch app on your iPhone. In the Watch app, just tap Wallet & Apple Pay, tap your card and tap the Transactions tab.

Some banks or issuers only provide initial authorisation amounts to Wallet, which might be different from the final transaction amount. Depending on your bank or issuer, you might see different transaction amounts from locations such as restaurants, petrol stations, hotels and car hire companies. Always refer to the credit or debit card statement from your bank or issuer for final transaction details.

If a transaction was declined, contact your bank or issuer for help.

*Apple Cash is only available in the United States.

Report a transaction with the wrong merchant name or location

  1. On your iPhone, open the Wallet app and tap the card that you made the transaction with.
  2. Under Latest Transactions, tap the transaction that you want to report.
  3. Tap Report an Issue.
  4. Under Issue, tap Incorrect Merchant Info, then tap Merchant Name, Merchant Category, or Other Issue.

  1. To use Apple Pay to use public transport and pay in shops in Japan, you need an iPhone 8, or iPhone 8 Plus or later, or an Apple Watch Series 3 or later. Or you can use an iPhone 7, iPhone 7 Plus or Apple Watch Series 2 that was purchased in Japan. Find out how to tell if your device was purchased in Japan.
  2. If you've added your student ID card to Wallet, use your iPhone or Apple Watch to pay wherever you can pay with your physical student ID card.
  3. Apple Cash is only available in the United States. The Apple Cash card is issued by Green Dot Bank, Member FDIC. You can only use your Apple Cash Card where Apple Pay and Discover cards are accepted. If you're a merchant, learn more about Discover debit contactless cards here.
  4. In some countries or regions, Business Chat will become available to businesses on a rolling schedule.
  5. In China mainland, you can only use Apple Pay on the web in Safari on compatible iPhone and iPad models using iOS 11.2 or later. In the Netherlands, you can only use Apple Pay on the web on a compatible iPhone or iPad.
  6. In Italy, you can use your iPhone and Apple Watch to make Apple Pay purchases in shops with your Maestro card. Maestro cards can't be used within apps and on the web. In the Netherlands, you can add Maestro cards to all compatible devices except Mac. In Japan, Visa cards can't be used within apps and on the web.
  7. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Apple Card is only available in the United States.

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