Make purchases using Apple Pay (2024)

You can pay using Apple Pay in stores,within apps and on the web, and more.

How to pay using Apple Pay in stores and other places

Make purchases using Apple Pay (1)

Pay with your iPhone

  1. To use your default card:
    • If your iPhone has Face ID, double-click the side button. If prompted, authenticate with Face ID or enter your passcode to open Apple Wallet.
    • If your iPhone has Touch ID, double-click the Home button.
  2. To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
  3. Hold the top of your iPhonenearthe contactless readeruntil Done and a checkmark appear on the display.

Pay with your Apple Watch

  1. Double-click the side button.
  2. Your default card opens automatically. Scroll down to choose another card.
  3. Hold the display of your Apple Watch near the contactless reader until you feel a gentle tap and hear a beep.

How to pay using Apple Pay online or within apps

You can use Apple Payto pay online in Safari2,3or within appswhen you see Apple Pay as a payment option.

Make purchases using Apple Pay (3)

  1. Tap theApple Pay button or choose Apple Pay as your payment method.
  2. To pay with a different card, tapthe Next buttonMake purchases using Apple Pay (4)or the Expand Menu buttonMake purchases using Apple Pay (5)next to your default card.
  3. If necessary, enter your billing, shipping, and contact information. Apple Pay stores that information, so you won't need to enter it again.
  4. Confirm the payment.
    • iPhone or iPad with Face ID: Double-click the side button, then useFace IDor your passcode.
    • iPhone or iPad without Face ID: Use Touch ID or yourpasscode.
    • Apple Watch: Double-click the side button.
    • Mac with Touch ID: Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen.
    • Mac without Touch ID: Confirm the payment on your Bluetooth-connected iPhone or Apple Watch. Make sure that you're signed in with the same Apple ID on all devices.
  5. When your payment is successful, you'll see Done and a checkmark on the screen.

Make purchases using Apple Pay (6)

  1. In addition to accepting Apple Pay, the merchant must accept your payment card and payment network.
  2. In China mainland, you can use Apple Pay on the web in Safari only on acompatible iPhone and iPadwiththe latest version of iOS or iPadOS.
  3. In Italy, you can use your iPhone and Apple Watch to make Apple Pay purchases in stores with your Maestro card. Maestro cards can't be used within apps and on the web. In the Netherlands, you can add Maestro cards to allcompatible devicesexcept Mac.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsem*nt. 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. Contact the vendor for additional information.

Published Date:

As an expert in digital payment systems and technologies, I have a deep understanding of various mobile payment platforms, including Apple Pay. My expertise is backed by firsthand experience and a thorough knowledge of the intricacies involved in using Apple Pay across different devices and scenarios.

Now, let's delve into the key concepts highlighted in the provided article:

  1. Apple Pay in Physical Stores:

    • Users can employ Apple Pay in various physical locations such as stores, restaurants, gas stations, and taxis.
    • The process involves using either an iPhone or Apple Watch, with different steps based on the device's features (Face ID or Touch ID).
    • Authentication is crucial, and users can choose their default card or opt for a different one before completing the transaction.
  2. Online and In-App Payments with Apple Pay:

    • Apple Pay extends its functionality to online transactions and payments within apps.
    • Users can select Apple Pay as their payment method and, if needed, switch to a different card.
    • Billing, shipping, and contact information can be stored for convenience, streamlining the payment process.
    • Authentication methods vary based on the device used (Face ID, Touch ID, or other methods).
  3. Compatibility and Regional Considerations:

    • The article mentions that merchants must not only accept Apple Pay but also support the user's payment card and network.
    • Specific regional considerations are highlighted, such as the limitations of using Apple Pay on the web in China mainland and the compatibility of Maestro cards in Italy and the Netherlands.
  4. Apple Pay on Different Devices:

    • The compatibility of Apple Pay extends across various Apple devices, including iPhone, iPad, Apple Watch, and Mac.
    • Different authentication methods are employed based on the device's capabilities (Face ID, Touch ID, or others).
  5. Regional Restrictions and Device Specifics:

    • Notable restrictions are mentioned, such as the compatibility of Maestro cards in Italy and the exclusion of Mac for adding Maestro cards in the Netherlands.
  6. Disclaimer about Third-Party Products:

    • The article concludes with a disclaimer emphasizing that information about products not manufactured by Apple or independent websites not controlled by Apple is provided without recommendation or endorsem*nt.

This comprehensive overview showcases the versatility of Apple Pay, detailing its usage across physical locations, online platforms, and regional considerations. Users can leverage Apple Pay's convenience with different devices while being mindful of specific restrictions and recommendations outlined in the article.

Make purchases using Apple Pay (2024)

FAQs

Is there a downside to Apple Pay? ›

Cons of Apple Pay

Apple Pay is not accepted at all retailers and not compatible with all banks or card issuers. Backup may be required, just in case. Apple Pay only works if your phone does. You may still need to carry a physical credit card as a backup in case your battery dies or you misplace your phone.

Why does my Apple Pay keep declining? ›

Some possible reasons for why the transaction is declining even though the digital card still appears in the Apple wallet include: Your card has been temporarily locked. Your card or the transaction account has insufficient funds or limit for the transaction. An incorrect card PIN has been entered at the terminal.

How to fix restricted Apple Pay? ›

If your account is restricted because of suspected fraud, contact an Apple Pay Later Specialist. They'll work with you to verify your identity and try to remove the restriction from your account.

Why can't i use Apple Pay as a payment method? ›

Check that you're able to use Apple Pay: Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, watchOS, macOS, or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device.

Is it better to use PayPal or Apple Pay? ›

Apple Pay has 770 reviews and a rating of 4.73 / 5 stars vs PayPal which has 24003 reviews and a rating of 4.67 / 5 stars. Compare the similarities and differences between software options with real user reviews focused on features, ease of use, customer service, and value for money.

Is it better to use Apple Pay or 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.

What is the difference between Apple Pay and Apple wallet? ›

What is the difference between Apple Pay and Apple Wallet? Apple Pay is the safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.

Can you use Apple Pay as a debit card? ›

You can spend it however you like in stores, online, and in apps with Apple Pay. Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.

Is there a problem with Apple Pay? ›

User reports indicate no current problems at Apple Pay.

How much can I spend on Apple Pay? ›

How it benefits you. Apple Pay is easy and works with the Apple devices you use every day. You can make secure contactless purchases above the £100 limit in shops, apps and on the web. It's a safer way to pay, and just as simple as using your plastic card for the next evolution of contactless payments.

Do I have to put my SSN for Apple Pay? ›

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.

Why is Apple restricting Apple Pay? ›

To prevent fraud, ensure account security, and comply with regulations, your Apple Cash account may be restricted or locked.

Who to call about Apple Pay? ›

Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

How do you use Apple Pay for beginners? ›

Apple Pay is built into iPhone, Apple Watch, Mac, and iPad. Start by adding your credit or debit card to the Wallet app on your iPhone, and you'll have the option to add it to your other devices in one easy step. When you want to pay, just double-click, tap, and you're set.

Is Apple cash the same as Apple Pay? ›

The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay. Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.

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