Apple has always been known to revolutionize the digital world through its many technological advancements, the latest of which is Apple Pay. This mobile payment service allows you to make contactless payments using your iPhone.

Available in more than 24 countries around the world, Apple Pay has been extra beneficial these days with contactless and cashless payments being promoted to avoid spreading the virus. Here’s how to use your Apple Pay on iPhone:

  1. Setting up Apple Pay

To set up Apple Pay, you need an iOS 8.1 or later version, after which you can set up this system using the Wallet App. Add your credit or debit card on Apple Pay by simply tapping the “+” icon in Wallet. You can also set up Apple Pay by just following the prompts when you’re setting up your new iPhone or iPad.

  1. Paying in stores

To be able to pay in stores, you need to find two icons that signify that a store accepts Apple Pay payments. In Japan, contactless readers like iD, QuicPay, Suica and PASMO also accept Apple Pay, and you can always ask Siri for stores near you that take this form of payment.

Paying with Face ID

  • Double-click the side button on your phone and enter your passcode or authenticate with Face ID.
  • Hold the top of your device near the contactless reader in the store until you see Done and a checkmark on the screen.

Paying with Touch ID

  • Rest your finger on Touch ID to authenticate your device.
  • Hold the top of your device near the contactless reader in the store until you see Done and a checkmark on the screen.

Paying with Apple Watch

  • Double-click the side button and hold the display near the contactless reader until you feel a gentle tap.
  1. Paying within apps

To use Apple Pay to pay for apps or within apps, you need to:

  • Choose Apple Pay as your preferred payment method.
  • Double check your billing, shipping and contact information, and see if you’re using the right card.
  • Confirm your payment by checking to see if there’s a checkmark and Done on the screen.
  1. Paying online

If you’re shopping through a website or in Safari, here’s how to use Apple Pay:

  • Tap the Apple Pay button and verify your billing, shipping and contact information.
  • When you’re ready to check out, simply choose Apple Pay as your preferred payment method on the website and wait for the Done and checkmark on your screen to confirm the successful transaction.
  1. Using a rewards card

There are stores both online and offline that offer rewards when you use Apple Pay and you can add those to your rewards card in your Wallet to redeem later. You can set up your rewards card to appear automatically in a store by simple tapping it and turning on Automatic Selection.

Once you use your rewards card, the system instantly switches back to your default payment card to pay for your purchase. The use of your rewards card will depend on the store’s policy. While some stores will instantly apply your rewards and process your payment card in one step, others would require you to do it manually.

  1. Paying for public transport

You can also use Apple Pay to pay for public transport when travelling to some countries and regions, so you won’t have to constantly purchase transport cards or line up in long queues just to process your payments when you’re travelling around the world.

Paying with Express Travel mode

In some countries, you may be able to use Apple Pay to pay for your public transport by setting up a travel or payment card in your Wallet to use with Express Travel mode. Do your research to know what transport agency supports Apple Pay in the country that you’re visiting.

Paying without Express Travel mode

If you’re not using Express Travel mode, you need to authenticate every payment for public transport at the gate or terminal using a passcode, Face ID or Touch ID. Learn about the ways where you can pay for public transport using Apple Pay in the countries that you’re travelling to.

How do I pay with Apple pay?

On your iPhone or iPad
  1. Open the Messages app, then start a new conversation or tap an existing one.
  2. Tap the Apple Pay button . If you don’t see the Apple Pay button, tap.
  3. Enter the amount you want to send.
  4. Tap Pay, then tap the send button.
  5. Confirm your payment with Face ID, Touch ID, or your passcode.

How do I use wallet on iPhone?

How does Wallet and Apple pay work?

You need to use the Apple Wallet app to setup Apple Pay on your iPhone or iPad. The Apple Wallet will then store your credit cards and debit cards, pulling the data when you authenticate Apple Pay to pay for goods. You can use your device’s camera to capture the information on your credit, debit, or store card.

Is Apple Pay safer than PayPal?

PayPal stores personal information, like credit card numbers and billing addresses, on its servers and promises it is “heavily guarded, both physically and electronically,” according to the company’s website. With Apple Pay, Apple and merchants don’t see or store any of your private information.

Can I get scammed on Apple pay?

Apple Pay is one of many methods that people can use to send or receive money. All of these methods are vulnerable to scam attempts, however, there are precautions you can take to protect yourself and avoid being scammed. Also, double check when sending money to people or organizations you know.

Is there a fee with Apple pay?

Apple Cash and Apple Pay

There’s no fee to send, receive or request money using Apple Cash with normal delivery. If you select “instant transfer” when moving Apple Cash money to your bank account, however, there is a 1% fee subject to a $0.25 minimum and $10 maximum.

Is Apple Pay safe on iPhone?

Apple Pay is a very secure way to make payments. This is because your card numbers are not stored on your device, and are never shared by Apple Pay, or sent with your payment. Instead, Apple Pay gives you a unique Device Account Number, that’s encrypted and stored in a secure part of your iPhone, iPad or Apple Watch.

Is Apple pay the same as Apple wallet?

Using Apple Pay can be simpler than using a physical card, and safer too. With your cards stored in the Wallet app , you can use Apple Pay to make secure payments in stores, for transit, in apps, and on websites that support Apple Pay. To set up Apple Pay, add your debit, credit, and prepaid cards to Wallet.

Can someone else use my Apple pay?

Even if somebody had your debit or credit card number they would not be able to set up a fake Apple Pay account to run with it. Likewise only your registered Apple Pay devices can be used to make payments on your accounts.

Can someone hack your Apple pay?

The simplicity of using Apple Pay was undermined because the point-of-sale didn’t require any identity or address verification. Hackers also sidestepped having to clone credit cards, faking signatures, and the chip and pin technology by making their purchases in-store.

Should I trust Apple pay?

Apple Pay is certainly safer than cash and it has more safety features than credit cards. Some security features, like two-factor identification, are optional. A complicated passcode is still a good idea.

Is Apple Pay safer than debit card?

Apple Pay is designed with your security and privacy in mind, making it a simpler and more secure way to pay than using your physical credit, debit, and prepaid cards. Apple Pay uses security features built-in to the hardware and software of your device to help protect your transactions.

Can someone hack your Apple wallet?

Q: Can an Apple wallet get hacked? A: No, it can‘t. The FBI Director testified before US Congress that they (with all the help of the other US Government agencies) cannot hack iPhones, so your Wallet is safe.

Is it safe to use wallet on iPhone?

Apple Pay could be safer than paying with a credit card

If you are leery of using a mobile wallet to pay for your transactions, you may be surprised to know that mobile wallets are typically safer than physical credit cards.

Why does Apple pay want my SSN?

Person to person payments and the Apple Cash card are services provided by Green Dot Bank, member FDIC, a regulated financial institution. To verify your identity, Green Dot Bank will request social security numbers and other personal information to ensure that customers are eligible to use the service.

Can you use Apple pay without a SSN?

You don’t need a social security number to set up Apple Pay. You need a credit card, a billing address, and your credit card needs to support Apple Pay.

Should I trust Apple with my SSN?

Apple has no knowledge of your social security number. Apple does not request it when setting it up, nor do they require it for anything regarding your account or their services. If anything or anyone is asking you for your SSN in relation to your Apple ID, then they are very likely trying to scam you.

Which iphones work with Apple Pay?

Apple Pay is compatible with these devices
  • iPhone. iPhone models with Face ID. iPhone models with Touch ID, except for iPhone 5s.
  • iPad. iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID.
  • Apple Watch. Apple Watch Series 1 and 2 and later. Apple Watch (1st generation)7
  • Mac. Mac models with Touch ID.

Can I use Apple pay without an iPhone?

To pay in stores, you need your iPhone or Apple Watch. To pay within apps, you need your iPhone, iPad, or Apple Watch. To pay on the web in Safari,3 you need one of these: Your Mac model with Touch ID.

Can you withdraw Apple pay cash from ATM?

If you‘re an Apple Pay user with access to the cardless ATMs Bank of America installed earlier this year, you might be able to withdraw cash from the machines using your phone. Further, you can only get the ATM to spit out cash if you‘re using a BoA card, and you can‘t deposit money using the service.

Where can I pay with Apple pay?

Some of Apple’s partners include Best Buy, B&H Photo, Bloomingdales, Chevron, Disney, Dunkin Donuts, GameStop, Jamba Juice, Kohl’s, Lucky, McDonald’s, Office Depot, Petco, Sprouts, Staples, KFC, Trader Joe’s, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Publix, Taco Bell, and 7-11.