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Use Apple Pay

Find out how you can use Apple Pay to make payments easily and securely in stores, restaurants, within apps, on the Internet, and elsewhere.

Pay in stores and other places

Pay with your iPhone using Face ID

  1. If you want to pay with your standard card, press the side button twice.
  2. Glance at your iPhone to authenticate with Face ID or enter your passcode.
  3. Hold the top of the iPhone near the contactless reader until the display shows "Done" and a check mark.

Check out the instructions in the video.

Pay with your iPhone using Touch ID

  1. To use your standard card, place your finger on the Touch ID sensor.
  2. Hold the top of the iPhone near the contactless reader until the display shows "Done" and a check mark.

Check out the instructions in the video.

Pay with the Apple Watch

  1. If you want to pay with your standard card, press the side button twice
  2. Hold the Apple Watch display near the contactless reader.
  3. Wait until you hear a light tap.

Depending on the business and the payment amount, you may need to sign a receipt or enter your PIN.

When paying with Apple Cash in the US, authenticate with Face ID, Touch ID, or a secure code.3 Some terminals still require a PIN to be entered to confirm the debit. When prompted for a PIN, simply enter 0000 or any four-digit code.

Japan

Let the cashier know if you want to pay with Suica, PASMO, iD or QUICPay. Just look for the corresponding logo on your card in Wallet. To use a Suica or PASMO card that is set as your express transit card, simply hold the top of your iPhone near the reader.

In mainland China

If you want to pay with your credit or debit card in stores, here's what you need to do:

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

Pay with a different card than the standard card

How to change the card:

  • iPhone with Face ID: Press the side-button twice. When your default card is shown, tap it, then tap to select another card. Look at your iPhone for Face ID authentication, then hold the top of your device near the reader to pay.
  • iPhone with Touch ID: Hold your device near the reader without placing your finger on the Touch ID sensor. When your default card is shown, tap it, then tap to select another card. Place your finger on the Touch ID sensor to pay.
  • Apple Watch: Double-press the side-button. When your default card appears, swipe left or right to choose a different card. Hold your watch near the reader to pay.


Pay for apps or within apps

You can use Apple Pay to pay in apps on iPhone, iPad, and Apple Watch when you see Apple Pay as a payment option. You can recognize this by the fact that one of these buttons can be seen in the corresponding app.

To pay in an app with Apple Pay:

  1. Tap the Apple Pay button or choose Apple Pay as your payment method.
  2. Check your billing information, shipping information, and contact information to make sure they are correct. If you'd like to pay with a different card, tap next to your card.
  3. When prompted, enter your billing, shipping, and contact information on your iPhone or iPad. The information is stored in Apple Pay. You don't have to enter the information again.
  4. Confirm the payment. When the payment is successful, the message "Done" and a check mark will appear on the screen.
    • iPhone or iPad with Face ID: Press the side-button twice, then use Face ID or your passcode.
    • iPhone or iPad without Face ID: Use Touch ID or your passcode.
    • Apple Watch: Double-press the side-button.

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

In some countries or regions, you can use Apple Pay to make payments in the business chat.4

Learn how to use Apple Pay as an Apple ID payment method to make purchases from the App Store and purchase Apple services.

Pay online or in Safari

You can use Apple Pay to pay online with Safari on your iPhone, iPad and Mac.5,6

On the iPhone or iPad

  1. Tap the Apple Pay button.
  2. Check your billing information, shipping information, and contact information to make sure it's correct. If you want to pay with a different card, tap the continue icon next to your card.
  3. Enter billing information, shipping information, and contact information, if applicable. The information is stored in Apple Pay. You don't have to enter the information again.
  4. When you're done, complete your purchase and confirm payment.
    • iPhone or iPad with Face ID: Press the side button twice, then use Face ID or your passcode.
    • iPhone or iPad without Face ID: Use Touch ID or your passcode.
    • Apple Watch: Double-press the side-button.
  5. When the payment is successful, the message "Done" and a check mark will appear on the screen.

With Mac models with Touch ID

  1. Tap the Apple Pay button.
  2. Check your billing information, shipping information, and contact information to make sure they are correct. To pay with a card other than your standard card, click the icon to expand the menu next to your standard card, and select the card you want.
  3. If necessary, enter billing information, shipping information, and contact information. The information is stored in Apple Pay. You don't have to enter the information again.
  4. When you're done, do your shopping. Follow the directions on the Touch Bar and place your finger on the Touch ID sensor. With Touch ID turned off, tap the Apple Pay icon on the Touch Bar and follow the on-screen instructions. When the payment is successful, the message "Done" and a check mark will appear on the screen.

Apple Cash is not available in macOS.3

Other Mac models

  1. You need an iPhone or Apple Watch to confirm payments. Make sure you're signed in with the same Apple ID on all devices.
  2. Make sure you have Bluetooth turned on on your Mac.
  3. Tap the Apple Pay button.
  4. Check your billing information, shipping information, and contact information to make sure they are correct. To pay with a card other than your standard card, click next to your standard card, and select the card you want. You can select credit, debit cards, or Apple Cash from any iPhone and Apple Watch device that is nearby and that is signed in to the same iCloud account.3
  5. Enter billing information, shipping information, and contact information, if applicable. Apple Pay stores the information on your iPhone. You don't have to enter the information again.
  6. When you're done, complete your purchase and confirm payment.
    • iPhone with Face ID: Press the side-button twice, then use Face ID or your passcode.
    • iPhone with Touch ID: Use Touch ID or your passcode.
    • Apple Watch: Double-press the side-button.
  7. When the payment is successful, the message "Done" and a check mark will appear on the screen.

Use loyalty cards

You can use Apple Pay to secure or claim customer benefits in participating stores. Simply add your loyalty card to Wallet and use it when paying with Apple Pay. If you want your loyalty card to be displayed automatically in stores, select the card and tap the More button, and turn on Auto Select.

After your loyalty card has been used, Apple Pay will switch to your standard payment card to pay for the purchase. Depending on the business, you can either use your loyalty card and payment card in one step, or you have to wait until the payment terminal or cashier asks you to pay.

Check transaction history

If you tap on a card in Wallet, you can see the last transaction made with that credit, debit or prepaid card (including Apple Cash). * You can also see the last transactions made with public transport cards. Depending on the bank or card issuer, you may only see the transactions that you made on your device. Alternatively, you can see all transactions made on your credit or debit card account, including all Apple Pay devices and physical cards.

If you've configured your Apple Watch with Apple Pay, you can check the history of your transactions in the Watch app on your iPhone. In the Watch app, just tap Wallet & Apple Pay, tap your card, then tap the Transactions tab.

With some banks or card issuers, the "Wallet" app may only display the initially authorized amount, which may differ from the final transaction amount. Depending on the bank or card issuer, the transaction amounts from places such as restaurants, gas stations, hotels, and car rentals may be listed differently. Always check the final transaction amount on the credit or debit card statement from your bank or card issuer.

If a transaction is declined, contact your bank or card issuer.

* Apple Cash is only available in the US.

Report a transaction with the wrong merchant name or location

  1. Open the Wallet app on your iPhone and tap the card you used to make the transaction.
  2. Under "Recent Transactions", tap the transaction you want to report.
  3. Tap on "Report a Problem".
  4. Under "Problem", tap "Incorrect Dealer Info" and then "Dealer Name", "Dealer Category" or "Other Problem".

  1. To use Apple Pay to pay on public transport and in stores in Japan, you need an iPhone 8, iPhone 8 Plus or later, or an Apple Watch Series 3 or later. Instead, you can use an iPhone 7, iPhone 7 Plus, or Apple Watch Series 2 that was purchased in Japan. Here's how to tell if your device was purchased in Japan.
  2. If you've added your student ID to Wallet, use your iPhone or Apple Watch to pay where you can pay with your physical student ID.
  3. Apple Cash is only available in the US. The Apple Cash card is issued by Green Dot Bank, a member of the Federal Deposit Insurance Corporation (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 contactless transactions with Discover debit cards here.
  4. "Business Chat" is currently in beta. In some countries or regions, "Business Chat" is provided on an ongoing basis.
  5. In mainland China, you can only use Apple Pay online in Safari on a compatible iPhone or iPad with the latest version of iOS or iPadOS.
  6. In Italy, in stores that accept Maestro cards, you can use your iPhone and Apple Watch to pay for your purchases using Apple Pay. Maestro cards cannot be used for purchases in apps or on the web. In the Netherlands you can add Maestro cards on all compatible devices (except Mac computers). In Japan, Visa cards cannot be used for in-app and online purchases.
  7. The Apple Card is issued by the Goldman Sachs bank (USA, Salt Lake City branch). The Apple Card is only available in the United States.

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