How to use your iphone to pay

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What is Apple Pay, how does it work, and how do you set it up?

How to use your iphone to pay
Maggie Tillman, US contributing editor

How to use your iphone to pay
· 27 January 2022 ·

Explainer Provides context or background, definition and detail on a specific topic.

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How to use your iphone to pay
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(Pocket-lint) - Apple Pay is a contactless payment technology for Apple devices. It was designed to move consumers away from physical wallets into a world where your debit and credit cards are on your iPhone or Apple Watch, allowing you to pay using your device instead of a card.

This feature is everything you need to know about Apple Pay, including how it works, how to set it up, which banks support it and where you can use it.

• Best Apple iPhone deals

Which banks and cards support Apple Pay?

Apple Pay supports most major credit and debit cards providers including Visa, MasterCard and American Express. Apple's Apple Card is also supported, unsurprisingly.

You do need to use a participating bank but most major banks now support Apple Pay. You can find complete lists of all the banks supported in each country by clicking the relevant links below:

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  • Participating banks in Canada, Latin America and the United States
  • Participating banks in Europe and the Middle East
  • Participating banks in Asia-Pacific 

Does Apple Pay work with US federal-payment cards too?

Yes. Apple's mobile-payment system does work with federal-payment cards, including Social Security and veterans benefits that are paid through debit cards.

This includes the Direct Express payment network and government cards issued through GSA SmartPay. Apple Pay is also supported by transactions with the federal government, meaning you can use Apple Pay to buy tickets and gift shop items at national parks, etc.

Where can you use Apple Pay?

Apple Pay works anywhere that accepts contactless payments. If you see the contactless payments symbol or the Apple Pay symbol near readers at the checkout, they will accept Apple Pay.

It's supported by hundreds of thousands of stores and restaurants worldwide. Over 75 per cent of stores and restaurants in the US support Apple Pay and over 85 per cent in the UK. Australia has support in 99 per cent of its stores and restaurants.

A few of the US stores and restaurants that accept Apple Pay include: Bloomingdales, Disney, Duane Reade, Macy's, McDonalds, Nike, Petco, Staples, Subway, Unleashed, Walgreens, Whole Foods, etc. You can view a complete list of stores here.

The UK has an established contactless payment system and you'll be able to use Apple pay at all of the stores and restaurants you already use contactless at.

You can also use Apple Pay within many apps and through the Safari web browser, as well as on public transport and at some non-profit organisations like Cancer Research UK, RSPCA, WaterAid and WWF, among others.

Is there a limit for Apple Pay?

No. Unlike contactless card payments that limit you to a £100 spend, there is no limit for Apple Pay. 

It means you can pay for your weekly shop, or fill your car up with fuel, all with your iPhone or Apple Watch.

Which Apps support Apple Pay?

Numerous apps support Apple Pay, spanning travel apps, shopping apps, entertainment apps and service apps.

Here are just a few of the apps that support Apple Pay: Adidas, Bloom & Wild, Starbucks, Deliveroo, Apple Store, Topshop, Zara, ASOS, Uber, British Airways, Booking.com, Emirates, StubHub, DesignMyNight, Made.com.

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How to use your iphone to pay

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The first setting is "Default Card". Click on this and you can choose which card you want to select as your default Apple Pay card, though it is easy enough to switch between them when you launch Apple Pay.

How to use Apple Pay within Apps

Apple iPhone apps also work with Apple Pay, meaning you will be able to select Apple Pay at checkout when ordering anything from an app. You also still need to place your finger on Touch ID, or use Face ID, when paying.

You can also use Apple Pay via the Safari browser. You can either use Touch ID if you have a MacBook Pro with Touch Bar or pay via your iOS device. To use Apple Pay on a Mac that doesn't have Touch ID and confirm the payment through your iPhone, head to Settings > Wallet & Apple Pay > Toggle on Allow Payments on Mac at the bottom of the display. 

Where is Apple Pay available?

Apple Pay is available in over 40 countries. These include the US, UK, Canada, Australia, the UAE, Russia, China, New Zealand, Singapore, Japan, Taiwan and Hong Kong as well as numerous other countries.

You can view the full list of countries here.

Which devices work with Apple Pay?

Apple Pay works with the following Apple devices:

  • Apple iPhone 6 or iPhone 6 Plus and newer models
  • Apple iPad Pro, iPad Air 2 and iPad mini 3 and newer
  • Apple Watch Series 1 and newer (when paired with iPhone 5 or newer)

Is Apple Pay secure?

Yes. Apple said it doesn't save your transaction information or card numbers on its servers, though your most recent purchases are kept in the Wallet app.

Apple Pay, which has a tokenised backend infrastructure, makes card payments secure by creating a number or token that replaces your card details. More specifically, it creates a Device Account Number for each one of your cards.

According to Apple, the Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch, and when a payment is initiated, the token is passed to the retailer or merchant. The retailer or merchant therefore never has direct access to your card details.

What if you lose your iPhone or Watch?

Losing your iPhone or Watch is stressful enough, but with Apple Pay, the chances of that happening just got a lot more frightening.

As every Apple Pay transaction has to be authorised by either your fingerprint, face or passcode, whoever finds your iPhone won't be able to pay for anything unless they have your passcode. They will be able to see your billing address and the last four digits of your stored cards, but no more information than that.

Find My can be used from another iOS device to put your device in Lost Mode. This will lock everything and prevent others from accessing your content including Apple Pay or Wallet data. You can also use the Find My app to wipe your iPhone clean completely.

Can I tap and pay with my iPhone?

Tap to Pay on iPhone, available in iOS 15.4, allows U.S. merchants to accept Apple Pay and other contactless payments by using iPhone and a partner-enabled iOS app. With this service, users with supported iPhone devices can securely accept contactless payments and Apple Pay NFC-enabled passes.

How do I pay with my iPhone instead of card?

Set up.
iPhone. Open the Wallet app. and tap to add a card..
iPad. Go to Settings. Wallet & Apple Pay. and tap Add Card..
Mac. On models with Touch ID, go to System Preferences. Wallet & Apple Pay and. tap Add Card..

How do I use my phone to pay?

To set up contactless payments, add one or more payment methods to Google Wallet..
Open the Google Wallet app ..
At the top, tap the card you want to use. You may need to swipe to find it..
Check the message above your card: “Hold to reader" . Your card is ready to tap and pay. “Card not set up” ..

How do you pay with an iPhone at gas station?

iPhones and Apple Watches can do mobile payments with Apple Pay. The setup process simply involves adding your desired credit card to the app. From there, you can tap your Apple device to the gas pump to make a payment.