To learn how to load your various payment cards onto your iPhone, and then how to pay with Apple Pay at contactless pay points, simply follow our step-by-step instructions below. For all other information, see our FAQ section at the end of this article.
Table of Contents
How to load cards into the Wallet app on your iPhone
This is the first step in learning how to pay with Apple Pay on your iPhone.
- Open the ‘Wallet’ app, and tap (+)
- Sign in using your Apple ID, if prompted
- Next, select ‘Debit or credit card’
- To load the first card (which will be set as your default payment card), position it so that it appears in the frame within your iPhone’s camera. Alternatively, enter the card details manually.
- Tap to confirm the card load
- Repeat as necessary, until you’ve loaded all the cards you need
- To make a different card your default payment card, tap and hold it in the ‘Wallet’ app, and drag it to the front of the stack
How to pay with Apple Pay on your iPhone (default card)
- Double-click the side button on your iPhone
- When your default card appears, glance at the screen to authenticate your Face ID, or enter your set passcode
- Hold your iPhone a few centimeters from the contactless part of the card reader until you see a check mark and the word ‘Done’ appear on your screen
Note: You can also pay with your default card on Apple Pay by holding your thumb to the fingerprint scanner whilst your iPhone is a few centimeters from the contactless paypoint.
How to pay with Apple Pay on your iPhone (different card)
- Double-click the side button on your iPhone
- When your default card appears, tap on it and select a different card from the stack
- Next, authenticate the transaction with your passcode, Face ID, or fingerprint (as above)
- Hold your iPhone a few centimeters from the contactless part of the card reader until you see a check mark and the word ‘Done’ appear on your screen
And that’s all there is to paying with Apple Pay on an iPhone. If you have any further questions or would like a little more information on the subject, see our FAQ section below.
FAQs
What is Apple Pay?
Apple Pay is a contactless payment system built into all new iPhones and iOS versions. It allows the users to pay at contactless payment points (now widely available on most card readers used by the majority of modern businesses) using only their phone.
By loading yoru various debit and/or credit cards into the Apple ‘Wallet’ app on your iPhone, you can then pay with these cards through your phone, via Apple Pay, without ever having to have those cards on you. There is no payment limit to paying by Apple Pay, either, unlike when you pay with the contactless payment mechanism of modern credit and debit cards.
Is Apple Pay secure?
Paying with your phone might seem risky, but Apple has taken steps to ensure that it is as secure (if not more so, or so they argue) than paying with your card directly. In order to pay with Apple Pay, you must first unlock your phone with one of three secure passcodes – facial-scan recognition, fingerprint recognition, and/or PIN verification.
