1. Set Up Your Apple Wallet On iPhone/iPad and on Mac
  • If you’re using iPhone or iPad, locate your wallet app on the home screen and tap to open it. Even though Apple Pay is not available in all countries, it accepts most debit and credit cards with MasterCard, Visa, Discover, or American Express. For convenience, find out first if your back’s credit card is accepted before going ahead to add it.
  • At the top-right corner, tap on this symbol ➕ in a circle and then tap on the blue “Continue” button.
  • Next, focus your camera on the front face of your Credit or Debit card and for your phone to scan the details and confirm with the bank simultaneously.  Alternatively, you can tap on the “Enter Card Details Manually” option and on the lower side of your screen and begin to feed-in your card’s details manually following the on-screen instructions.
  • Confirm whether the Card’s issuer supports Apple Pay. If confirmed, you get a prompt to enter some additional details, and your card will get added to Apple Pay ready for use.
  • Make changes to your default payment method if you have multiple cards added. You can do that through the following steps:
  • Tap and open the “Setting app” from your home screen.
  • Then scroll and tap on the “Wallet and Apple Pay.”
  • Navigate to the “Transaction Defaults” section and tap on the “Default Card” and then select your default card for Apple Pay. If you want to remove the selected card, you should tap on it, and scroll down the bottom. Then, tap on the “Remove this Card”.

Apart from setting the Apple Pay on iPhone and iPad, you can also set it on your Mac computer using the steps below.

  • If your Mac computer has a built-in touch ID, you can add your car by clicking on the Apple icon on the top-left corner of your Mac’s screen.

Even though Apple Pay is not available in all countries, it accepts most debit and credit cards with MasterCard, Visa, Discover, or American Express. For convenience, find out first if your back’s credit card is accepted before going ahead to add it.

  • From the menu that appears, click on the “System Preference.” Under this menu, click on the “Wallet & Apple Pay,” you may see some information about apple pay appearing under this window.
  • Scroll to the bottom of the window and click on the “Add Card” button. After that, enter the required card details and then click on the “Next” button for the card issuer to verify your information.  If you want to add your card associated with iTunes, you’ll get a prompt to enter the security code. You can always find the code in the signature section.
  • Add your card by following on the on-screen instruction and the click on the “Next” button when prompted.  The issuer requests more information before adding your card, note the details needed, and navigate to “System Preferences,” and the click on “Wallet & Apple Pay” and then add your card again.
  • Make changes to your default card settings if necessary (Optional). To make the changes, go to “System Preferences” and click on “Wallet & Apple Pay.” Select on the card from the “Default Card” menu located on the lower part of the screen. Then, delete the debit card by clicking on the – button, and that’s it.
  1. Use Apple Pay to Make Payments In-Store or other Physical Location
  • Look for the Apple logo next to the “Pay” option.
  • Make payments on Apple Pay using a passcode or Face ID. This option is applicable if you use your face ID or Passcode to open your iPhone. To make payments, proceed as follows:
  • Double-click on the side button on your iPhone and use ace Id or passcode to unlock.
  • If you want to use an alternative card, you should tap on your card in use and select an alternative.
  • Next, hold the top of your iPhone close to the contactless, and a checkmark accompanied by the word “Done” will appear when your payment processing is complete.
  • Make Payments using Touch ID. This option applies to those who unlock the iPhone using fingerprints. Use the procedure below to make payment.
  • Touch on the Touch ID and hold the top of your iPhone to the contactless reader. A checkmark will display with the word “Done” This works when you’re using your default debit or credit card. Use the next step to use a different card.
  • Without using the contactless reader, hold on the top of your iPhone to the contactless reader until your default card displays.
  • Tap on the card and then select a different card from the menu and then use a Touch ID to finish the process.
  • Make payments using an Apple watch. Proceed as follows:
  • Double-click the button located on the side of your watch face.
  • If you would wish to use a different payment method, tap on your default payment method first and then select an alternative card.
  • Hold your watch few centimeters close to the contactless reader.
  • When you feel a tap on your wrist, tap the digital crown button to authenticate the payment.
  1. Make Payments Using Apple Pay on App or Web
  • Locate the Apple Pay icon next to the item you want to purchase.

In most cases, you will always see a button that says “Buy with Apple Pay” if the app you’re using accepts Apple Pay as one of its means of payments. When you click on that, it will display your Apple Pay default payment method. If you’re using iPhone, iPad, or Mac computer with Touch ID enabled, this method can be pretty straightforward.

  • Select an alternative payment card. If you’d wish to select the payment instead of your default card, you can tap on the blue button next to your card. And if you’re using a Mac computer, then click on the two arrows next to your card.
  • Check and verify your billing details and edit if something isn’t correct.
  • Confirm your payment using the appropriate method for your device.
  • For iPhone X or iPad with Face ID enabled, double-click on the side button and verify the passcode or face.
  • For iPhone 8 or earlier version and iPad with no Face ID, use Touch ID or passcode that you use to unlock your phone.
  • For Mac with Touch Id enabled, touch on the Touch ID bar when prompted.
  1. How to Send and Receive Money using Apple Pay
  • Confirm if you meet the following parameters.
  • Be above 18 years  old and a resident in the US.
  • You should have an iPhone or iPad with 11.2 or later versions, or have an Apple watch running OS4.2 or later version.
  • Have your Apple ID set with two-factor authentication for your Apple ID.
  • Have an eligible Debit card enable on Apple Pay.

If you meet the above parameters, you can proceed to the next step:

  • On your iPhone or iPad, open the “Settings” app from the home screen or a folder.
  • Scroll downwards and tap on “Wallet and Apple Pay”.
  • Toggle the “Apple Cash” switch towards the right to set it on. You will see a green background light on the button to confirm it is on.
  • Under the “Payment Cards” section, tap on the “Apple Cash” option.
  • Set up your “Apple Cash” by following the on-screen prompts. When done, you should be able to receive money and also send it.  When you receive payment from other sources, it will add up to your account balance, and you can spend it usually.

If you’d wish to transfer your money from the wallet to your bank, tap in the Wallet App on iPhone or iPad and then tap on the “Transfer to Bank” and proceed with the on-screen instruction.

  • Send money to contact.
  • Send money using contact app– Tap on a contact and then tap on the blue and while-colored doll $ sign and proceed with the onscreen instruction to send the intended amount of money.
  • Send money using Message app– Open a dialog with the intended recipient. Then, locate the “Apple Pay” logo on the lower side of the message. If you can’t see it there, tap on the “A” icon for App Store. After that, select the amount to pay and confirm by tapping on the arrow.
  • Send money using Siri– with this fantastic option, and you should say the amount and the recipient for Siri to pay. For example, “Send 200 dollars to Daniel.”
  • Send money using apple watch-Go to an existing conversation or open a new one and scroll down to the bottom and tap on the blue Apple Pay logo and then select the amount you want to pay in dollars and tap on “Pay.”

  • Replying a payment request-if you receive a payment request from someone, respond by tapping on the “Pay “option on the message and then continue as directed by on-screen prompt to proceed with your payment.
  • Request money from a contact– you can do this by using either message app or on Apple watch.

If you’d wish to request money from any of your contacts, open dialogue and then scroll down. Then, tap on the Apple logo at the bottom. If you can’t find it there, tap on the “A” icon. After that, enter the amount you want to request, tap on “Request” and finally tap on the arrow-like button to send.

If you’re using an Apple watch, tell Siri the much you want to request and from whom you wish to seek the money. Then, Siri will send the money.

How do I pay with Apple pay?

On your iPhone or iPad
  1. Open the Messages app, then start a new conversation or tap an existing one.
  2. Tap the Apple Pay button . If you don’t see the Apple Pay button, tap.
  3. Enter the amount you want to send.
  4. Tap Pay, then tap the send button.
  5. Confirm your payment with Face ID, Touch ID, or your passcode.

How can I pay with my phone?

Pay in a store
  1. Step 1: Wake up & unlock your phone. Turn on your phone screen, and then unlock your phone.
  2. Step 2: Hold the back of your phone close to the payment reader for a few seconds. When you’re done paying, a blue check mark will appear on the screen.
  3. Step 3: If prompted, follow the instructions on the screen.

How does Apple pay work in stores?

At participating stores, you can receive or redeem rewards when you use Apple Pay. Add your rewards card to Wallet. At the payment terminal in the store, present your rewards card by holding iPhone near the contactless reader. Apple Pay then switches to your default payment card to pay for the purchase.

Does Apple pay charge a fee?

No. Apple does not charge any fees when you use Apple Pay — in stores, online, or in apps.

What is the max amount for Apple pay?

Sending or receiving limits

Per message, you can send or receive up to $10,000. Within a 7-day period, you can send or receive a maximum of $10,000.

Does Apple pay work over $100?

No, there is no transaction limit for Apple Pay transactions. Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

Is Apple Pay safer than PayPal?

PayPal stores personal information, like credit card numbers and billing addresses, on its servers and promises it is “heavily guarded, both physically and electronically,” according to the company’s website. With Apple Pay, Apple and merchants don’t see or store any of your private information.

Can I withdraw money with Apple pay?

You can‘t withdraw money from Apple Pay Cash. You can use the money in the Apple Pay Cash card to buy things in stores that accept Apple Pay, or withdraw it from your bank account after you transfer it to it.

Where can I withdraw money using Apple Pay?

Apple Pay is accepted at most cardless ATMs including Wells Fargo, Chase and Bank of America. Apple Pay uses near-field communication (NFC) for cardless ATM access. To verify that an ATM is NFC-enabled, look for the contactless symbol. Open your Apple Pay Wallet.

Can I use Apple pay at Walmart?

Unfortunately, Walmart does not take Apple Pay at any of their stores as of 2021. Customers can instead use their iPhones to purchase items through Walmart Pay at the registers and self-checkout aisles. Walmart only accepts payments via MasterCard, Visa, Checks, PayPal, Amex, and cash.

Can I use Apple pay without card?

Did you know you can use Apple Pay, even if you don’t want to use a physical credit or debit card? Just as you can with movie tickets and other passes, apps like Square Cash, as well as boon in Europe, now let you add a virtual debit card to the Wallet app on your iPhone.

Can Apple pay be used at ATM?

Question: Q: Use Apple Pay at atm

Answer: A: If your iPhone is locked, double-click the home button to open Apple Pay. Otherwise, tap Wallet and tap your debit card. Hold your iPhone near the contactless reader symbol on the ATM and keep your finger on the home button to activate Touch ID.

What are the pros and cons of Apple Pay?

13 Advantages and Disadvantages of Apple Pay
  • Advantages and Disadvantages of Apple Pay.
  • Advantages of Apply Pay. Payment. Convenient. Secure. No Internet Required. No Extra Fees. Privacy. Low Risk.
  • Cons of Apple Pay. Software Failure. Stability. Acceptance and Pop-up Texts. Adoption. High Fees. No Online Shopping Support.

What is the downside of Apple Pay?

It doesn’t store your card information on your device.

Apple neither shares your card information with merchants nor keeps your card information on your device or its own servers. “An attacker who gains access to your device or your iCloud account would not be able to get your credit card information,” Reed says.

Who pays the fee for Apple pay?

Is there a fee when I use Apple Pay to any of the following institutions: Store/Merchant, issuing financial institution, Apple, or the MasterCard company? Answer: A: Answer: A: The stores pay the fees as part of a processing fee and for using the service.

What is the point of Apple Pay?

Apple Pay allows you to make easy, secure, and private transactions in stores, in apps, and on the web. You can also send and receive money with friends and family using Apple Pay in Messages (U.S. only). And with contactless rewards cards in Wallet, you can receive and redeem rewards when paying with Apple Pay.