How to Set Up and Use Apple Pay on iPhone

How to Set Up and Use Apple Pay on iPhone

Apple Pay is a digital wallet native to the Apple ecosystem. If you own an iPhone, Apple Pay is one of the fastest and safest payment methods. All you have to do is tap your device against the register to pay – there’s no need to take out your credit card or cash.

Setting up Apple Pay is easy and can be done from the Wallet app. Once you’ve set it up, you can use it in stores and online. Follow the steps below to set it up and use it on your iPhone.

Set Up Apple Pay on iPhone With the Wallet App

  1. Open the Wallet app.

    Wallet App on the iPhone
    Open the Wallet app.

  2. Tap the “Plus” (+) icon in the top-right corner.

    Option to Add the Card in the Wallet App
    Tap the “plus” sign.

  3. You can add a card manually or scan the card and enter all the details automatically.

    Add Card by Scanning It in Apple Wallet
    Scan the card. (Source:

  4. Authorize the card by following on-screen instructions. These instructions will vary depending on what card you’ve added. Note: Some banks require you to call them to have the card authorized for Apple Pay.

    Card Authorization Screen on the iPhone
    Follow on-screen instructions to authorize your card. (Source:

Using Apple Pay on iPhone

For iPhones with Face ID, hold it close to the register or payment terminal and press the side button twice. It may ask you to authenticate the transaction with Face ID. For iPhones with Touch ID, press the Home button twice and enter the passcode if prompted.

Make sure the iPhone stays near the terminal until the transaction is complete. A checkmark will appear on your device’s screen once the transaction has been approved.

Pay with Apple Pay in Physical Stores
Hold the phone near the terminal to pay using Apple Pay. (Source:

You can also use Apple Pay online by pressing the side button twice (if your iPhone has Face ID) or pressing the Home button twice (if your iPhone has Touch ID) on the checkout screen.

Pay with Apple Pay Online
Press the side button twice on iPhone with Face ID to pay with Apple Pay online. (Source:

Phoebe is an HR assistant in her day job, but is also a web blogger that loves writing guides and sharing her experiences. When she is not out with her friends, she enjoys traveling or binge-watching Netflix. She graduated with a BA in Communication and Media Studies from the University of Utah, and is a chief editor at TechObservatory.

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