How to Use Apple Pay in Store and Online
How to Use Apple Pay in Store and Online

How to Use Apple Pay in Store and Online

With over a billion iOS devices sold, it is no secret that Apple has taken the tech world by storm in recent years, and Apple Pay is the latest mobile payment innovation from the technical giant.

Sure, you know how to use Apple Pay. But here’s a guide so you can explain every detail to somebody who’s finding it challenging.

How to Use Apple Pay-Terraify
How to Use Apple Pay

Setting up Apple Pay and adding your cards is the hardest part. After that, it’s easy to enter your card information. Apple Pay can make contactless purchases at most retailers using your iPhone or Apple Watch. You can also use it online to shop from many online shops.

What is Apple Pay?

Apple Pay was developed to provide iPhone users with a seamless digital payment option. In a nutshell, the Wallet feature enables contactless payment in stores via NFC. Users with an iPhone 6, 6Plus, 6S Plus, Apple Watch, iPad Air 2, iPad Pro, iPad Mini 3 and 4 can hold their device near a contactless reader, like the one in the iPad kiosk above, and use their fingerprint (via Touch ID) to pay.

Any store that accepts contactless payments will accept Apple Pay, indicated by the Contactless Payment or Apple Pay icons that can be found at the checkout. Apple Pay can also be used for in-app purchases and much more and also check How to Use Apple Pay to Send Money in Chime in our Terraify latest article.

Set up Apple Pay

You need to ensure you have one of the above devices. Apple Pay is not available on any earlier devices.

How to Use Apple Pay

On an iPhone

To put a card on an iPhone,

  • Start the Wallet app.
  • Click the + button.
  • Under Available Cards, select Debit or Credit Card.
  • Tap Continue.
  • You can take a photo of your physical card or manually enter the card details.
  • Verify your card details.
  • Click Agree to the Terms and Conditions.
  • Choose whether the additional card should be your default card.
  • You will be asked to add your Apple Watch card. This can be done later.

It’s much easier to add the same cards across all Apple devices once you have done this on your iPhone. We recommend that you add your cards to the iPhone first.

On an Apple Watch

First, ensure you enable a passcode to use Apple Pay on the Apple Watch. This is a mandatory requirement. You won’t be allowed to use Apple Pay on your Apple Watch if you don’t.

Apple Pay On an Apple Watch-Terraify
Apple Pay On an Apple Watch

To insert a card on your Apple Watch:

  • Launch the Watch app on your iPhone.
  • Click the My Watch tab.
  • Scroll to Wallet & Apple Pay.
  • You can continue the steps from above.
  • You should see any cards you have previously added to your iPhone under Other cards. To add a card to your Watch, tap the Add button beside it.
  • Enter your card details, and you’re done!

On an iPad and Mac

Apple Pay can be used on an iPad or Mac to buy items online and in-app. You can also send money through the Messages application.

Apple Pay On an IPad and Mac-Terraify
Apple Pay On an IPad and Mac

To setup Apple Pay on an iPad or Mac:

  • Click on Settings (iPad) or System Preferences(Mac).
  • Select Wallet & Apple Pay.
  • Select Add Card.
  • Any Previous Cards listed here will be under the Available Cards section.
  • Choose which cards you wish to add.
  • Tap Continue.
  • Enter your card details, and you’re done!

Add your credit or debit card to your Apple device.

Open the Wallet (formerly called Passbook) app on your iPhone, go to Settings > Wallet & Apple Pay on your iPad, and tap Add Credit or Debit Card. Your card may already be stored with iTunes, so the card’s security code is all needed.

Add your credit or debit card to your Apple device.-Terraify
Add your credit or debit card to your Apple device.

Alternatively, use the camera to capture the card information and fill in the necessary details.

Then, tap Next, and your bank will verify your information. Sometimes further verification is needed depending on your bank, which can be added at any time. Once it is verified, tap next, and you can start using Apple Pay!

You can also register for Apple Pay through your bank’s app.

Security: Biometric Authorization

Apple Pay is only available on devices with Touch ID. Using biometrics, transactions can only be verified by the device owner’s unique fingerprint, meaning no one else can process payments. This also makes authorization much more efficient, with shoppers not having to enter their Apple ID details.

How To Use Apple Pay In Store

At the checkout, look for the Contactless/Apple Pay symbol. You can hold your device’s top within one inch of the contactless reader and place your finger on the TouchID without pressing it. You may not be allowed to use Apple Pay in certain shops if you are located outside the UK.


Can I use Apple Pay online?

Apple Pay can be used in stores, online retailers, and apps. Many online merchants accept Apple Pay, just as they accept PayPal or credit cards at checkout. Apple Pay online is safer and more convenient because you don’t have to enter your shipping address or card number to pay. Apple Pay is accepted by Etsy, Starbucks, and Uber Eats.

Apple Pay Online: To use Apple Pay, tap on the Apple Pay option when you checkout with your iPhone or another Apple device. Next, you will be asked to enter your passcode and use your Face ID to authorize payment. You can then check out as normal with your Apple Pay information filled in.

Is Apple Pay secure?

Apple Pay and Google Pay are more secure than inserting or swiping your card at checkout. When you shop, your credit card or debit card number and information are kept private and not shared with any retailers. A new code is generated each time you shop with these retailers. This will allow you to safeguard your financial information from being stolen or cloned.

How can I use Apple Pay?

Apple Pay can be used wherever there is an NFC-enabled payment terminal. They are available at most retailers, with some exceptions. Look for the NFC symbol on the card reader. Some banks accept Apple Pay at NFC-enabled ATMs. You can withdraw money or access your account.

What’s NFC?

NFC stands to represent near-field communications. NFC technology uses magnetic field induction to enable wireless communication between two electronic devices at short ranges, usually less than 4 cm or 1.5 inches.

Will Apple Pay work overseas?

For ANZ customers Apple Pay will work in all countries wherever contactless payments are accepted. We recommend you take your plastic card as a backup when traveling overseas. Note: At this stage, you will not be able to use your ANZ Access card with Apple Pay overseas. Please consider taking your plastic cards with you while traveling overseas.

How do I return an item purchased with Apple Pay in-store?

If you need to return a purchase made with Apple Pay, you may be asked to provide the last four digits of your Device Account number. To find them, select Settings → Wallet & Apple Pay → Card → scroll down and view ‘Device Account Number. You can also find it in the Wallet app by selecting the card, tapping on the info symbol in the lower right-hand corner, and then scrolling down to view ‘The Device Account Number.

What devices are compatible?

Apple Pay is available in stores for iPhone X, iPhone 8 Plus, and iPhone 7 Plus. iPhone(r] 6S, iPhone (r] 6 Plus and iPhone (6S) are compatible with iPhone 5 and later. iPhone(r] 6S, iPhone6 Plus, iPhone(6), iPhone(6), iPhone[r] 6 Plus, iPhone[r] 6S Plus and iPhone(r] 6S Plus. Apple Watch Series 3 & 1 with compatible iPhone 5 and later. Apple Pay also works with Touch ID and Mac Models.

Does Apple Pay charge a fee for using a Chase Card with Apple Pay?

Apple Pay from Chase is free. However, you will need to have an active data plan.

Related Keyword

Leave feedback about this

  • Details
  • Helpful