Apple Pay Tips

About Apple Pay

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, Apple Watch, and Mac.

What do I need to use Apple Pay?

Here’s what you need to use Apple Pay in supported regions:

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone, iPad, and Apple Watch. Within websites in Safari, you can use Apple Pay on your iPhone, iPad, and Mac.

To use Apple Pay with Safari on a Mac model without built-in Touch ID, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.

How do I add a card to Apple Pay?

You can start using Apple Pay as soon as you add your credit or debit card to Wallet. Remember to add your cards to any device that you want to use with Apple Pay.

Your bank and AppleCare are ready to help you with issues when adding credit or debit cards to your device. You can contact your bank or AppleCare, which will help you resolve your issue. Get help adding a card to Apple Pay.

How do I use Apple Pay?

You can use Apple Pay in stores, within apps, and on websites in Safari. In the UK, you can also use Apple Pay with Transport for London (TfL). You might need to take an extra step or you might not be able to use Apple Pay, depending on the store and the transaction amount:

  • Australia: You might need to enter your PIN for purchases over 100 AUD.
  • Canada: You might not be able to use Apple Pay for purchases over 100 CAD.
  • France: You might not be able to use Apple Pay for purchases over 20 EUR.
  • Hong Kong: You might not be able to use Apple Pay for purchases over 500 HKD.
  • New Zealand: You might need to enter your PIN for purchases over 80 NZD.
  • Russia: You might need to sign a receipt or enter your PIN for purchases over 1000 RUB.
  • Singapore: You might need to sign a receipt or enter your PIN. At some stores, you might not be able to use Apple Pay for purchases over 100 SGD.
  • Spain: You might need to enter a PIN for purchases over 20 EUR.
  • Switzerland: You might need to sign a receipt or enter your PIN for purchases over 40 CHF.
  • United Kingdom: You might not be able to use Apple Pay for purchases over 30 GBP.

In stores, look for one of these symbols at checkout. If you can’t use Apple Pay at a store that displays one of these symbols, let us know.

Contactless payment symbol   Apple Pay symbol

Within apps and websites in Safari, look for the Buy with Apple Pay button or Apple Pay as a payment method.

Buy with Apple Pay button   Apple Pay button

Will I continue to earn rewards and benefits from my credit or debit cards when I pay using Apple Pay?

Yes. When you pay using Apple Pay, you’ll continue to get the rewards, benefits, and security that your credit or debit card provides. Learn more about rewards.

     

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just as they would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number:

  • For your iPhone or iPad, go to Wallet & Apple Pay, tap the card, and tap  .
  • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, then tap your card.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment:

  1. On the device that you used to make the original payment, select the card that you want to be refunded. Remember to use the card registered within Apple Pay, not your physical card.
  2. On your iPhone, hold the device near the reader and authorize the return with Touch ID or passcode. On your Apple Watch, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader.

Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement. Apple Pay activity is also included on your credit and debit card statements.

How can I check my recent transactions?

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last ten transactions for your cards. Just tap the card and tap  . Then tap the Transactions tab. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your actual card.

Some banks provide only initial authorization amounts to Wallet, which might be different from the final transaction amount. Depending on your bank, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your bank for final transaction details.

How secure is Apple Pay?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay within apps and websites in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you’re buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

Learn more about Apple Pay security and privacy.

What if my iPhone, iPad, Apple Watch, or Mac is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

Can I continue to use my plastic credit or debit cards if I suspend or remove my cards in Wallet?

When you suspend or remove your cards in Wallet, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic credit or debit cards.

I’m a merchant. How can I accept Apple Pay in my store?

Learn how to get started if you want to accept Apple Pay in your store.

I’m an app developer. How can I accept Apple Pay within my apps or website?

To accept Apple Pay within your app or on your website, go to Apple Pay for developers to learn how to get started.

*Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Touch ID or a passcode. If you turn off Touch ID or remove your passcode, all credit and debit cards will be removed from that device. On your Apple Watch, you need to set up a passcode and make sure that Wrist Detect is on. If you turn off Wrist Detect, remove your passcode, or sign out of iCloud, all credit and debit cards will be removed from your Apple Watch.

Pay in stores

With your iPhone or Apple Watch, you can pay in stores that accept contactless payments. Just look for one of the above symbols at checkout.2

Pay with iPhone

To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see Done and a checkmark on the display. Watch the demo to see how it works.

 

Pay with Apple Watch

To use your default card, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader. Wait until you feel a gentle tap. Watch the demo to see how it works.

 

If you need to choose Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number. For iPhone, open Wallet, tap your card, then tap info icon to see the Device Account Number. For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap your card to see the Device Account Number.

Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

Pay with a different card instead of your default card

To switch cards on your iPhone, hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap the one that you want to use. Rest your finger on Touch ID to pay.

On your Apple Watch, double-click the side button. When your default card appears, swipe left or right to switch cards. Hold your watch near the reader to pay.

 

Pay within apps

With your iPhone, iPad, and Apple Watch you can use Apple Pay to pay within apps when you see Apple Pay as a payment option. Look for one of the above buttons in apps.

To pay with Apple Pay within an app:

  1. Tap the Buy with Apple Pay or Apple Pay button. Or choose Apple Pay as the payment method when checking out.
  2. Check your billing, shipping, and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card.
  3. If you need to, enter your billing, shipping, and contact information on your iPhone or iPad. Apple Pay will store that information, so you won’t need to enter it again.
  4. On your iPhone or iPad, place your finger on Touch ID. On your Apple Watch, double-click the side button. When your payment is successful, you’ll see Done and a checkmark on the screen.

Pay on websites in Safari

With your iPhone, iPad, and Mac you can use Apple Pay to pay on websites in Safari.

 

With your iPhone or iPad

  1. Tap the Buy with Apple Pay or Apple Pay button.
  2. Check your billing, shipping, and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card.
  3. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information so you won’t need to enter it again.
  4. When you’re ready, make your purchase and place your finger on Touch ID. When your payment is successful, you’ll see Done and a checkmark on the screen.

With your MacBook Pro with Touch ID

  1. Tap the Apple Pay or Buy with Apple Pay button.
  2. Check your billing, shipping, and contact information to make sure that they’re correct. To pay with a different card instead of your default card, click  next to your default card and select the card you want to use.
  3. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information so you won’t need to enter it again.
  4. When you’re ready, make your purchase. 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. When your payment is successful, you’ll see Done and a checkmark on the screen.

With other Macs

  1. Make sure that you’re signed in to the same iCloud account on your iPhone, iPad, Mac, or Apple Watch. Also, your Mac needs to have Bluetooth on.
  2. Tap the Buy with Apple Pay or Apple Pay button.
  3. Check your billing, shipping, and contact information to make sure that they’re correct. To pay with a different card instead of your default card, click  next to your default card and select the card you want to use. You can choose credit and debit cards from any iPhone or Apple Watch that is nearby and signed into the same iCloud account.
  4. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information on your iPhone, so you won’t need to enter it again.
  5. When you’re ready, make your purchase. On your iPhone, place your finger on Touch ID or double-click the side button on your Apple Watch. When your payment is successful, you’ll see Done and a checkmark on the screen.

Use a rewards card

At participating stores, you can receive or redeem rewards using Apple Pay. Just add your rewards card to Wallet and use it when you pay with Apple Pay. If you want your rewards card to appear automatically in a store, go to the card, tap Info icon, then turn on Automatic Selection.

After using your rewards card, Apple Pay switches to your default payment card to pay for the purchase. Depending on the store, you can apply your rewards card and payment card in one step, or you might need to wait until the terminal or cashier asks for payment.

Check your transaction history

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last 10 transactions for your cards. Just tap the card and tap  . Then tap the Transactions tab. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your plastic card.

Some banks provide only initial authorization amounts to Wallet, which might be different from the final transaction amount. Depending on your bank, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your bank for final transaction details.

If a transaction was declined, contact your bank or card issuer for help.

Set up Apple Pay on your iPhone, iPad, Apple Watch, or Mac

Get started by adding your credit, debit, or prepaid cards to your iPhone, iPad, Apple Watch, or Mac.

 
Here’s what you need to use Apple Pay in supported regions:

You can add up to eight cards on any device. If you want to use Apple Pay with more than one device, you need to add your card to each device. To get started, choose your device below. After you set up Apple Pay on iPhone or Apple Watch, you can use your cards on websites in Safari on your Mac, while signed in to iCloud.

In Japan, you can also add Suica cards to Apple Pay.

     

Add a card on your iPhone

  1. Go to Wallet and tap Add Credit or Debit Card.
  2. Follow the steps to add a new card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  3. Tap Next. Your bank or card issuer will verify your information and decide if you can add your card to Apple Pay. If your bank or issuer needs more information to verify your card, they’ll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  4. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

In certain countries, you can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

Add a card on your iPad

  1. Go to Settings > Wallet & Apple Pay.
  2. Tap Add Credit or Debit Card.
  3. Follow the steps to add a new card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Your bank or card issuer will verify your information and decide if you can add your card to Apple Pay. If your bank or issuer needs more information to verify your card, they’ll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  5. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

You can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

Add a card on your Apple Watch

  1. Open the Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
  2. Tap Wallet & Apple Pay.
  3. Follow the steps to add a card. If a card is already on your iPhone, tap Add next to the card. To add a new card, tap Add Credit or Debit Card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Your bank or card issuer will verify your information and decide if you can add your card to Apple Pay. If your bank or issuer needs more information to verify your card, they’ll ask you for it. When you have the information, go back to Wallet & Apple Pay and tap your card.
  5. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

In certain countries, you can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

Add a card on your Mac

  1. Go to System Preferences > Wallet & Apple Pay.
  2. Tap Add Card.
  3. Follow the steps to add a new card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If your bank needs more information to verify your card, they’ll ask you for it. When you have the information, go back to System Preferences > Wallet & Apple Pay and tap your card.
  5. After your bank verifies your card, tap Next. Then start using Apple Pay.

Get help adding your card to Apple Pay.

Manage the cards that you use with Apple Pay

After you add cards to Wallet, you can change your default card, update your information, or remove a card.*

Change your default card

The first card that you add to Wallet is your default card. If you add more cards and want to change your default card, use these steps.

iPhone or iPad


Go to Settings > Wallet & Apple Pay on your iPhone or iPad. Tap Default Card, then choose a new card.

 

Apple Watch


Open the Watch app on your iPhone. Go to the My Watch tab, tap Wallet & Apple Pay > Default Card, then choose a new card.

 

MacBook Pro with Touch ID

Go to System Preferences > Wallet & Apple Pay. Choose a new card from the Default Card pop-up menu.

To change the default card for your iPhone, you can also open Wallet, touch and hold a card, then drag it to the front of your cards.

Update your billing and contact information

Learn how to update your billing and shipping information for the cards that you use with Apple Pay.

iPhone or iPad

  • To change your billing information, go to Settings > Wallet & Apple Pay, tap a card, then tap what you want to update.
  • To update your email address, phone number, and shipping address, go to Settings > Wallet & Apple Pay, then choose what you want to update.

MacBook Pro with Touch ID

  • To change your billing information, go to System Preferences > Wallet & Apple Pay, click a card, then click the Billing Address pop-up menu.
  • To update your email address, phone number, and shipping address, go to System Preferences > Wallet & Apple Pay, then click Contact and Shipping.

While you can’t change your card number or expiration date, it should update automatically when you get a new card. If your issuer doesn’t support updates, you might need to remove the card, then add it again.

Remove a card

If you need to, you can remove a card from your device. You can keep up to eight cards on a device.

iPhone or iPad


To remove a card that you use on your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap Remove Card.

 

Apple Watch


To remove a card that you use on your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, scroll down, tap Wallet & Apple Pay, tap the card, then tap Remove Card.

 

MacBook Pro with Touch ID

To remove a card that you use on your Mac, go to System Preferences > Wallet & Apple Pay, click the card that you want to remove, then click the minus (–) sign to remove the card.

You can also remove a card directly from your device. On your iPhone or iPad, open Wallet, tap a card, tap Info icon, then tap Remove Card. On your Apple Watch, tap Wallet on the Home screen, tap a card, press it firmly, and tap Delete.

Manage your store or rewards cards

If you turn on Automatic Selection on a store card, the store card will be presented instead of your default card when you pay at the associated store. If you turn on Automatic Selection on a rewards card, your rewards information will be presented at the associated store when using Apple Pay.

When you add a store card or rewards card to Wallet, you might be asked if you want the card to be automatically selected. To turn Automatic Selection on or off:

  1. Open the Wallet app.
  2. Tap the store card or rewards card.
  3. Tap Info icon, then turn Automatic Selection on or off.

Get help if your device is lost or stolen

To use Apple Pay, you need to authorize each credit, debit, or prepaid card purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

Go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your issuer to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

You can remove the ability to pay with your credit or debit cards from Apple Pay on iCloud.com. Just sign in, click Settings, choose your device, and click Remove All. You can also call your bank to suspend or remove your cards from Apple Pay.

Get help adding cards to Apple Pay

If you need help adding cards to Apple Pay, try the steps below.

Make sure that you can add a card

Learn which countries support Apple Pay.

Check Apple Pay on the System Status page. If there’s an issue, try again after it’s resolved. If there isn’t an issue, make sure that you’re using:

Try to add a card

After each step, see if you can add your card to Apple Pay:

  1. Make sure that you’re in a supported region.
    • For your iPhone or iPad, go to Settings > General > Language & Region, then scroll to Region.
    • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, tap General > Language & Region, and check the region format.
    • For your MacBook Pro with Touch ID, go to System Preferences > Language & Region, and check the region.
  2. Restart your iPhone, iPad, Apple Watch, or Mac.
  3. Update to the latest version of iOS, watchOS, or macOS.
  4. Remove the card from Apple Pay, then add it again.
    • For your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card that you want to remove, and tap Remove Card. Then add the card back to Apple Pay.
    • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, scroll down, and tap Wallet & Apple Pay. Tap the card and tap Remove. Then add the card back to Apple Pay.
    • For your MacBook Pro with Touch ID, go to System Preferences > Wallet & Apple Pay, click the card that you want to remove, and click the minus (–) sign. Click Delete. Then add the card back to Apple Pay.

If you still can’t add a card, contact your bank or card issuer for help.