About Apple Pay

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, and Apple Watch.

What do I need to use Apple Pay?

Learn which countries support Apple Pay. You need a supported card from a participating bank, an Apple ID, and one of these devices:*

  • iPhone SE, iPhone 6, iPhone 6 Plus, and later (in stores and within apps)
  • iPad Pro, iPad Air 2, iPad mini 3, and later (within apps)
  • Apple Watch paired with your iPhone (in stores)
  • The latest version of iOS or watchOS

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone or iPad.

How do I add a card to Apple Pay?

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

Your bank and AppleCare are ready to help you with issues when adding credit or debit cards to your device. You can contact your bank or AppleCare, who will help you resolve your issue. Get help adding a card to Apple Pay

How do I use Apple Pay?

You can use Apple Pay in stores and within apps. In the UK, you can also use Apple Pay with Transport for London (TfL). You might need to take an extra step or you might not be able to use Apple Pay, depending on the store and the transaction amount:

  • Australia: You might need to enter your PIN for purchases over 100 AUD.
  • Canada: You might not be able to use Apple Pay for purchases over 100 CAD.
  • France: You might not be able to use Apple Pay for purchases over 20 EUR.
  • Hong Kong: You might not be able to use Apple Pay for purchases over 500 HKD.
  • Singapore: You might need to sign a receipt or enter your PIN. At some stores, you might not be able to use Apple Pay for purchases over 100 SGD.
  • Switzerland: You might need to sign a receipt or enter your PIN for purchases over 40 CHF.
  • United Kingdom: You might not be able to use Apple Pay for purchases over 30 GBP.

In stores, look for one of these symbols at checkout. If you can’t use Apple Pay at a store that's displaying one of these symbols, let us know

Contactless payment symbol   Apple Pay symbol

Within apps, look for the Buy with Apple Pay button or Apple Pay as a payment method.

Buy with Apple Pay button   Apple Pay button

Will I continue to earn rewards and benefits from my credit or debit 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 or debit card provides. Learn more about rewards.

     

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 like they would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number:

  • For your iPhone or iPad, go to Wallet, tap the card, and tap  .
  • For your Apple Watch, open the 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 Touch ID or passcode. On your Apple Watch, double-click the side button and hold the display of your Apple Watch within an inch 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 credit or debit card statement. Apple Pay activity is also included on your credit and debit card statements.

How can I check my recent transactions?

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 ten 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 actual 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.

How secure is Apple Pay?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with 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. 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 credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping addresses 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, or Apple Watch is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, or Apple Watch.

If your iPhone or iPad is lost or stolen

You can go to icloud.com/find or use the Find My iPhone app 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 to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

If your Apple Watch is lost or stolen

You can remove the ability to pay with your credit or debit cards from Apple Pay on iCloud.com. Just sign in, click Settings, choose your device, and click Remove All. You can also call your bank to suspend or remove your cards from Apple Pay.

Can I continue to use my plastic credit or debit 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 credit or debit card.

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?

To accept Apple Pay in your app, go to Apple Pay for developers to learn how to get started.

*Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Touch ID or a passcode. If you turn off Touch ID or remove your passcode, all credit and debit cards will be removed from that device. On your Apple Watch, you need to set up a passcode and make sure that Wrist Detect is on. If you turn off Wrist Detect, remove your passcode, or sign out of iCloud, all credit and debit cards will be removed from your Apple Watch.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Risks are inherent in the use of the Internet. Contact the vendor for additional information. Other company and product names may be trademarks of their respective owners.

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