Using Apple Pay in stores and within apps

Paying in stores or within apps has never been easier, safer, or more private. Learn where and how to pay with Apple Pay.1

Pay in stores

With your iPhone or Apple Watch, you can pay in stores that accept contactless payments. Just look for one of the above symbols at checkout.2

Pay with iPhone

To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see Done and a checkmark on the display. Watch the demo to see how it works. 

Pay with Apple Watch

To use your default card, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader. Wait until you feel a gentle tap. Watch the demo to see how it works.

If you need to choose Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number. For iPhone, open Wallet, tap your card, then tap info icon to see the Device Account Number. For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap your card to see the Device Account Number.

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

Pay with a different card instead of your default card

To switch cards on your iPhone, hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap the one that you want to use. Rest your finger on Touch ID to pay.

On your Apple Watch, double-click the side button. When your default card appears, swipe left or right to switch cards. Hold your watch near the reader to pay.

Use a rewards card

At participating stores, 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 store, go to the card, tap Info icon, 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 store, 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.


Pay within apps

With your iPhone and iPad, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay button or Apple Pay as a payment method. Look for one of the above buttons in apps.

To pay with Apple Pay within an app:

  1. Tap the Buy with Apple Pay or Apple Pay button.
  2. Check your billing, shipping, and contact information to make sure that they're correct. If you want to pay with a different card, tap > next to your card.
  3. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information, so you won't need to enter it again.
  4. Place your finger on Touch ID. After your payment information sends successfully, you'll see Done and a checkmark on the screen.

Check your transaction history

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last 10 transactions for your cards. Just tap the card and tap  . Depending on your bank, you might see only 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 plastic card.

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

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

Learn more


  1. Learn which countries support Apple Pay.
  2. Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments, including Apple Pay. If you can’t use Apple Pay at a store that is displaying the contactless payment symbol, let us know.

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