How to set up Apple Pay on iPhone and iPad

How to use Apple Pay on iPhone and iPad

Leave your credit and debit cards at home with 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. It makes credit and debit card purchases easier and more secure. All you have to do is set it up and start using it!

How to add a card for Apple Pay

Launch the Wallet app from your Home screen.
Tap on the + button. It should be in the top right corner of your screen.
Tap Next on the Apple Pay screen.
Manually enter, or scan with the camera, your credit or debit card information.
Tap Next on the Card Details screen.
Manually enter the card's expiration date and the security code.
Tap Next
Tap Agree to accept the terms and conditions
Tap Agree
Tap next after you select your verification method.
Tap Enter Code.
Enter the verification code that was given to you. Depending on your verification method, this could be an email, text, or call.
Tap Next
Tap Done

If you ever want to add more credit or debit cards you can just repeat these steps.

Note: Apple Pay's photo-detection only works on with embossed numbers; if you have a credit or debit card with flat numbers, you'll have to enter it manually.

How to authorize a card for Apple Pay

Different banks have different procedures when it comes to authorizing cards for Apple Pay.

Capital One, for example, automatically adds and activates your card for Apple Pay after you accept your terms and conditions.

Citibank and American Express, however, require an activation code; to get it, the bank will robo-call, email, or text the number you have on file.

How to change the default 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.

Launch the Settings app on your iPhone or iPad that's compatible with Apple Pay.
Tap on Wallet & Apple Pay.
Tap on Default Card.
Tap on the card you want to use as your default.

That's it! Unless you manually change the card you're using when making a purchase, the selected card will always be used.

How to remove a 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.

Launch the Settings app on your iPhone or iPad that contains the Apple Pay card you need to delete.
Tap on Wallet & Apple Pay.
Tap on the credit card you'd like to delete.
Tap on Remove Card— you'll need to scroll all the way to the bottom.

That's all there is to it! The card you removed will no longer be eligible for use with Apple Pay on that particular device. Keep in mind however that Apple Pay works on a per device basis so you'll need to remove that particular card from every device it's linked to individually. Alternately, you can remove all your linked cards from a specific device remotely if you need to via iCloud.com.

How to troubleshoot Apple Pay

If you're having trouble getting Apple Pay to accept your card, the simplest solution is to just try entering in your information again; I had no luck activating my cards on Monday evening, but entering in the same information on Tuesday morning worked like a charm.

Worst-case, you may just need to call your card issuer. For example, the last card I tried to set up never sent the verification code to my phone number on file, so I had to manually retrieve it through the phone system. That call was pretty painless, however; I had Apple Pay fully up and running on that card within ten minutes.