Apple Pay— or Pay if you're fancy — is Apple's mobile payment service. It stores your credit and debit card information on a Secure Element and lets you use it to pay online via apps on the iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPad Pro, iPad Air 2, iPad mini 4, or iPad mini 3, or in-store via near-field communications (NFC) on the iPhone 6s, iPhone 6s Plus, iPhone 6, or iPhone 6 Plus, and even with the Apple Watch and any of the iPhones 5 or 6.
Apple Pay is currently available in the U.S., U.K., Canada, and Australia. Authorization is handled by Touch ID or passcode, credit card information never leaves the device and is never synced to the cloud. One-time tokens are used when you pay so your real credit card information is never shared with developers or retailers. Best of all, it's not just secure — once it's setup, it's incredibly easy to use!
- How to quickly link your iTunes credit or debit card to Apple Pay
- How to add additional credit or debit cards to Apple Pay
- How to reorder Passbook and Apple Pay cards on iPhone
- How to change your default credit or debit card for Apple Pay
- How to manage your billing and shipping information for Apple Pay
- How to view your recent transactions with Apple Pay
- How to return an purchase in-store with Apple Pay
- How to remove a credit or debit card from Apple Pay
- How to remotely remove your payment cards from Apple Pay
- How to set up and add credit and debit cards to Apple Pay on Apple Watch
- How to pick a default payment card for Apple Pay on Apple Watch
- How to make an Apple Pay purchase with Apple Watch
- How to remove credit or debit cards from Apple Pay on Apple Watch
- Apple Pay in iOS 9 FAQ
Apple Pay requirements and availability
Apple Pay is currently available in the U.S., U.K, Canada, and Australia. Most banks in the U.S. and U.K. now support it, while American Express is first out the gate in Canada and Australia.
You use Apple Pay in-app on the iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPad Pro, iPad Air 2, iPad mini 4, or iPad mini 3, or in-store via near-field communications (NFC) on the iPhone 6s, iPhone 6s Plus, iPhone 6, or iPhone 6 Plus, and even with the Apple Watch and any of the iPhones 5 or 6
- Apple Pay U.S. banks, stores, and apps
- Apple Pay U.K. banks, stores, and apps
- Apple Pay Canada stores and apps
- Apple Pay Australia stores and app (launches Thursday, November 19, 2015)
How to quickly link your iTunes credit or debit card to Apple Pay
Apple makes it incredibly easy to get started with Apple Pay by letting you quickly link it to your existing iTunes credit or debit card. Your bank still has to support Apple Pay, of course but, if they do, you can setup both online and in-store mobile payments with just a few taps.
How to add additional credit or debit cards to Apple Pay
Apple Pay lets you make in-store purchases with your iPhone, and online purchases with your iPhone or iPad, with just a touch of the Home button or the tapping out of a passcode. It makes it easy to start ditching your wallet for your device. All you have to do is add your credit or debit cards.
How to reorder Passbook and Apple Pay cards on iPhone
If you use certain credit cards with Apple Pay more than others, which is typical for most of us, you may find that you'd rather have ones you use more often towards the front with others further back. This makes it easier to pull them out when and if you need them. You can also do the same for all your passes, loyalty cards, and gift cards via Passbook.
How to change your default credit or debit card for Apple Pay
Apple Pay lets you use multiple credit and debit cards, so you can easily switch between them when you want to make a transaction. The default credit or debit card, however, is always the fastest and easiest to use. So, you'll want to make that card the default. Luckily, Apple Pay makes that fast and easy to do as well.
How to manage your billing and shipping information for Apple Pay
Part of what makes Apple Pay so fast and easy for online purchases is that it knows exactly where to bill your and where to send your purchases. That saves you the effort of having to type them out each and every time you buy something. But it also means you need to keep them accurate and up to date. That way, when you buy all the things, they'll know just where to send them.
How to view your recent transactions with Apple Pay
Apple Pay doesn't just make it easy to purchase items in-store and online, but also to keep track of your purchases. You can view recent transactions in Passbook, and, depending on whether or not your credit card and bank support it, a longer transactional history in Settings. Here's how!
How to return an purchase in-store with Apple Pay
Buying something in-store with Apple Pay is as easy as getting into NFC range and touching the Home button or tapping out the passcode. If you want to return your purchase — if you get the wrong size, the wrong brand, or simply change your mind — in most cases it's every bit as easy. And all you need is your iPhone.
How to remove a credit or debit card from Apple Pay
Apple makes it easy to add any and all of your supported credit and debit cards to Apple Pay. If, however, you lose, cancel, or change a card for any reason, you'll need to remove it. Luckily, Apple makes it just as easy to to that.
How to remotely remove your credit or debit cards from Apple Pay
Apple Pay offers many security advantages, including single-use tokens and authentication via Touch ID fingerprint scan or pin code. However, if you lose your iPhone or iPad, you'll still want to remove any credit or debit cards that you've linked to it, just to be extra safe. Luckily, Apple and iCloud.com let you do just that secure and, best of all, remotely. Simply log in and wipe your cards away!
How to set up and add cards to Apple Pay on Apple Watch
To use Apple Pay on your Apple Watch you need to add the cards through the Apple Watch app on your iPhone. That's for security reasons. The process is simple, you just need to follow the steps.
How to set a default payment card for Apple Pay on Apple Watch
If you have multiple cards set up on your Apple Watch, and there's one credit or debit card you use more than any of the others, you can set it as default. That way it's the first card presented to you when you go to use Apple Pay.
How to make a purchase with Apple Pay on Apple Watch
Using Apple Pay on your Apple Watch is fast and easy. All it takes is a couple presses of the side button and proximity to the payment terminal. Here's everything you need to know!
How to remove a payment card from Apple Pay on Apple Watch
Removing credit or debit cards from your Apple Watch is just as easy as adding them. So whether a card has expired, gone missing, or simply been replaced, you can ditch it in just a few steps.
Apple Pay in iOS 9
Discover Card, store cards, reward cards, and Apple Wallet are all awaiting Apple Pay in iOS 9. Here's everything you need to know!