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How to Set Up and Use Apple Pay in Stores and Online for Payment with Your iPhone

Apple Pay is the default payment method for iPhone, iPad, Apple Watch, and Mac owners. Your iPhone or Apple Watch can be used to pay for things both in-person and online by attaching a credit or debit card through the app. You can also use your iPad or Mac to buy items at supported websites. The money is deducted from your account after you verify the purchase with Face ID, Touch ID, or a PIN.

You must have a suitable device and operating system version in order to use Apple Pay. For instance, the app and service are only compatible with iOS 8.1 and higher. However, iOS 15.5 or higher is required if you also wish to utilize Apple Cash to transfer and receive money from other people. Here’s how to set up Apple Pay for each of your gadgets.

Add a Card to iPhone Apple Pay

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  • Open the Wallet app on your iPhone, then tap the plus sign (+) in the top-right corner. 
  • Select Debit Card or Credit Card, then click Continue. 
  • You now have two options for adding your credit or debit card.
  • To record your name, phone number, and expiration date on the card, you can scan it using the camera on your phone.
  • The card details can also be manually entered in the alternative. 
  • Type the card number and expiration date after selecting Enter Card Details Manually.
  • The security code on the back of the card must be manually entered using either method. After entering the expiration date and tapping Next, you must accept the terms and conditions.
  • The security code on the back of the card must be manually entered using either method. After entering the expiration date and tapping Next, you must accept the terms and conditions.
  • The bank must then receive an email, text message, or phone call from you to validate your card. Your card will be accepted after entering the code and added to the Wallet app for later usage with Apple Pay.

Add a Card to iPad Apple Pay

  • There is no Wallet app if you wish to set up Apple Pay on your iPad to make purchases online or in physical stores. Instead, select Add Card by going to Settings > Wallet & Apple Pay.
  • To add a new card, choose Debit or Credit Card and then enter the card details similarly to how you would on an iPhone. 
  • To add a payment method that you have already added to your iPhone, tap Previous Cards. A list of the cards you added to your iPhone will appear.
  • Select any you don’t want to add to the iPad by unchecking them, and then select Continue. 
  • The next step is to confirm the card via text, email, or phone call to the card issuer.

On Apple Watch, Add a Card to Apple Pay

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Additionally, you can utilize Apple Pay on your Apple Watch. You can add a card to your Apple Watch once you’ve finished adding it to your iPhone. You may always manually add the card to your watch using the Watch app on your phone if you didn’t do so throughout this step.

  • To add a new card, navigate to Wallet & Apple Pay in the app and hit Add Card.
  • Scroll to the Other Cards On Your Phone section for a card you’ve previously added to your iPhone, then hit Add next to any card you want to use from your watch.
  • Open the Wallet app on your Apple Watch to see your cards. 
  • To see the newly added cards, swipe downward. 
  • If you swipe to the bottom of the screen and select Add Card, you can also add a card directly from the watch.
  • You can then add a new card or one from your iPhone.

Add a Card to Apple Pay on Mac

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  • Go to System Settings (or System Preferences if you’re using macOS Monterey or earlier) on your Mac to access your cards.
  • After making your selection, click Add Card under Wallet & Apple Pay. 
  • The cards that have already been added to Apple Pay are displayed on the next screen.
  • Click Next after unchecking any you do not want to add. The security code must then be entered before any card can be used on your Mac. 
  • Click Add a Different Payment Card to add a new card. The information can then be manually entered or scanned. 
  • Accept the terms and conditions before calling, texting, or emailing the card’s issuer to confirm the card’s validity.

Customize Apple Pay Settings

There are a few settings you can change in Apple Pay once you’ve added your credit and debit cards to make your experience with the app better. 

  •  Navigate to Settings > Wallet & Apple Pay on your iPhone or iPad. 
  • Select Wallet & Apple Pay from System Settings or System Preferences on a Mac.
Yvone Kendi
Yvone Kendi
Writer by heart. Lover of life and technology. Helping you with simple life hacks using technology. Contact me at [email protected]

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