A Beginner’s Guide to Using Apple Pay on iPhone

Adding credit and debit cards to Apple Pay

After setting up Apple Pay on your iPhone, the next step is to add your credit and debit cards to the app. You can add multiple cards to your Apple Pay account, which makes it convenient to switch between different payment options when making purchases.

To add a credit or debit card to Apple Pay, follow these steps:

1. Open the Wallet app on your iPhone.
2. Tap the plus sign in the upper-right corner of the screen.
3. Select “Add Credit or Debit Card.”
4. Use your iPhone’s camera to scan the card, or enter the card details manually.
5. Verify your card by following the prompts, which may include contacting your bank to confirm the card details.
6. Once the card is verified, it will be added to your Apple Pay account and you can start using it to make purchases.

Keep in mind that some banks may require additional verification steps, such as a one-time code sent via text message, to add a card to Apple Pay. Additionally, some older cards may not be compatible with Apple Pay, so it’s worth checking with your bank if you experience any issues.

Making payments with Apple Pay in stores and online

Once you’ve added your credit and debit cards to Apple Pay, you can use the app to make payments in stores and online. Here’s how:

In stores:

1. Look for the contactless payment symbol on the payment terminal.
2. Hold your iPhone near the terminal and authenticate with Touch ID, Face ID, or your device passcode.
3. Wait for the payment to be processed and the transaction to be complete.

Online:

1. Look for the Apple Pay button at checkout on participating websites or in apps.
2. Select the Apple Pay option and confirm your payment details, including shipping and billing addresses.
3. Authenticate your payment with Touch ID, Face ID, or your device passcode.
4. Wait for the payment to be processed and the transaction to be complete.

Remember that you can also use Apple Pay to send and receive money from other Apple Pay users via the Messages app. Simply open a conversation with the person you want to send money to, tap the Apple Pay button, and enter the amount you want to send.

Managing your Apple Pay transactions and settings

Apple Pay makes it easy to keep track of your transactions and manage your payment settings. Here are some things you can do:

View transaction history:

1. Open the Wallet app on your iPhone.
2. Tap on the card that was used for the transaction.
3. Scroll down to view the transaction history for that card.

Change default payment card:

1. Open the Settings app on your iPhone.
2. Tap on “Wallet & Apple Pay.”
3. Under the “Transaction Defaults” section, tap on “Default Card.”
4. Select the card you want to set as your default payment method.

Update card information:

1. Open the Wallet app on your iPhone.
2. Tap on the card you want to update.
3. Tap on the three dots in the upper-right corner of the screen.
4. Select “Edit Card” and update the necessary information.

Disable or remove a card:

1. Open the Wallet app on your iPhone.
2. Tap on the card you want to remove or disable.
3. Tap on the three dots in the upper-right corner of the screen.
4. Select “Remove Card” or “Suspend Card” as appropriate.

Remember to keep your Apple Pay account secure by regularly checking your transaction history and reporting any unauthorized charges to your bank.

Frequently asked questions about Apple Pay on iPhone

Here are some common questions and answers about using Apple Pay on your iPhone:

Q: Is Apple Pay secure?
A: Yes, Apple Pay uses several layers of security, including Touch ID, Face ID, or a passcode to authenticate payments, and tokenization to protect your card information.

Q: Can I use Apple Pay if my iPhone is lost or stolen?
A: You can remotely lock your device or erase your card information using the “Find My” app. Additionally, your card information is not stored on your iPhone, so your actual card information will not be compromised.

Q: Is Apple Pay widely accepted?
A: Apple Pay is accepted at millions of locations worldwide, including major retailers, restaurants, and online merchants.

Q: Can I use Apple Pay to withdraw cash from an ATM?
A: No, Apple Pay cannot be used to withdraw cash from an ATM.

Q: Are there any fees for using Apple Pay?
A: There are no fees for using Apple Pay, but you may be subject to the same fees that apply to your credit or debit card.

Q: Can I use Apple Pay on other Apple devices?
A: Yes, you can use Apple Pay on other Apple devices such as the Apple Watch, iPad, and Mac, as long as they support the feature.

If you have any other questions or issues with using Apple Pay, you can contact Apple support for assistance.

Setting up Apple Pay on your iPhone

To start using Apple Pay on your iPhone, you’ll need to set it up first. Here are the steps to follow:

Step 1: Check that your iPhone is compatible
Apple Pay is available on iPhone 6 and later models that run iOS 8.1 or later. You’ll also need to have Touch ID or Face ID enabled to use Apple Pay.

Step 2: Add a payment method
You can add credit and debit cards, as well as prepaid cards and store credit, to Apple Pay. To do this, go to the Wallet app on your iPhone and tap the plus sign in the top right corner. Follow the prompts to add a card.

Step 3: Verify your cards
Once you’ve added a card, you’ll need to verify it with your bank or card issuer. This usually involves entering a verification code or receiving a text message.

Step 4: Set up your default card
You can choose which card to use as your default payment method for Apple Pay. To do this, go to Settings > Wallet & Apple Pay and select “Default Card”.

Step 5: Start using Apple Pay
To use Apple Pay in stores, hold your iPhone near the contactless payment terminal and use Touch ID or Face ID to authenticate the payment. To use Apple Pay online, select the Apple Pay option at checkout and authenticate the payment using Touch ID or Face ID.

That’s it – you’re now ready to start using Apple Pay on your iPhone!