Faster and easier
than
using cards
or cash.
Pay in full or spread out payments over time.
Privacy and security
built in.
Accepted on millions
of websites and apps.
It’s ready
and set.
Just go.
Set up in seconds. Right on your iPhone. ApplePay is built into iPhone, AppleWatch, Mac, and iPad. Start by adding your credit or debit card to the Wallet app on your iPhone, and you’ll have the option to add it to your other devices in one easy step. When you want to pay, just double-click, tap, and you’re set. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points ormiles.
New
Pay over time with ApplePayLater.1
ApplePayLater allows you to split your purchase into four equal payments over six weeks with no interest, fees, or surprises.2 Simply check out online and in apps with ApplePay on your iPhone or iPad, then select PayLater. You’ll find out in moments if you’re approved — with no impact to your credit score.3 And you manage everything in Wallet, with built-in tools to help support healthy spendinghabits.
Use AppleCash with ApplePay. AppleCash is a digital card that lives in Wallet — it stores the cash you receive or want to send.4 You can send money right in Wallet or Messages — pay your squad for brunch or chip in for a coworker’s gift. You can also spend it in stores, in apps, or online with ApplePay.
Easy.
Does it all.
Grab from the
corner cafe. Load
up your app.
Order a new online.
Have delivered.
Subscribe to .
Get
from a
vending machine.
And from the
supermarket.
Just look
for
or when
you checkout.
At stores and more. ApplePay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you’re not sure, just ask. ApplePay works anywhere that takes contactless payments— from vending machines and grocery stores to taxis and subwaystations.
In apps and online. Use ApplePay for purchases in Safari on your iPhone, iPad, or Mac. You can skip the lengthy checkout forms and pay with just a touch or a glance. Or use ApplePay to subscribe to services like AppleMusic, AppleNews+, and AppleTV+, buy apps and games on the AppStore, and upgrade your iCloudstorage.
Safe and
sound.
Andsecure.
Personal data. Protected. When you make a purchase, ApplePay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple withmerchants. If you prefer not to share your email address with merchants when paying online, you can use Hide My Email to generate unique, random email addresses that automatically forward to your personalinbox.
Your purchases stay private. When you pay with a debit or credit card, ApplePay doesn’t keep transaction information that can be tied back toyou. And when you use AppleCash, information is stored only for troubleshooting, fraud prevention, and regulatorypurposes.
Tap more. Touch less. ApplePay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. Every purchase requires FaceID, TouchID, or a passcode — helping to keep your security in yourhands.
Questions? Answers.
You can use ApplePay to make purchases in stores, on websites, and in apps. It’s widely accepted, simple, safe, secure, andprivate.
ApplePay is safer than using a physical credit, debit, or prepaid card. FaceID, TouchID, or your passcode is required for purchases on your iPhone, AppleWatch, Mac, or iPad. Your card number and identity aren’t shared with merchants, and your actual card numbers aren’t stored on your device or on Appleservers.
When you pay in stores, neither Apple nor your device will send your actual card number to merchants. When you pay online in Safari or in apps, the merchant will only receive information you authorize to fulfill your order — such as your name, email address, and billing and shippingaddresses.
When you pay with a debit or credit card, Apple doesn’t keep transaction information that can be tied back to you. And when you use AppleCash, information is stored only for troubleshooting, fraud prevention, and regulatorypurposes.
It’s simple. Just add a credit, debit, or prepaid card to the Wallet app on your iPhone, then choose to add the card to any other Apple devices you want to use with ApplePay. It works on iPhone, AppleWatch, Mac, and iPad. If you upgrade to a new iPhone, you can automatically transfer your cards to the new device in one easy step.
ApplePay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support ApplePay here. If your card does not yet support ApplePay, contact your bank for moreinformation.
ApplePay Later is a payment option that allows you to shop now and pay in four smaller installments over six weeks, with no interest or fees.2 It’s available within ApplePay for purchases you make in apps and online with iPhone or iPad. You can manage all your ApplePay Later loans and payments in one organized place in Wallet — no separate apps to download, no extra passwords toremember.
No. Apple does not charge any fees when you pay with ApplePay — in stores, online, or inapps. And Apple doesn’t charge interest or fees when you use ApplePayLater.
ApplePay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseasusage. ApplePayLater is available only for eligible applicants when shopping at merchants located in the UnitedStates.1
If your business already accepts credit and debit cards, simply contact your payment provider
to start accepting ApplePay. If you want to accept ApplePay on your website or in your app,
visit ApplePay fordevelopers. And ApplePayLater is part of ApplePay — no integration or additional steps arerequired.With Tap to Pay on iPhone, you can use an iPhone to accept contactless payments through an app supported by any of the participating payment service providers. No extra terminal or hardware is required.5 If you already have a payment terminal, contact your payment service provider to find out if it accepts contactlesspayments.
Download the ApplePay mark to use within email, on your terminal screen, on your website, and in your app. You can also order ApplePay decals to put on your storefront window andregister. You can even get marketing materials for ApplePay Later, including a messaging widget and logos.
- Download the decal andguidelines
- View online marketing guidelines
- Order ApplePay decals for yourstore
- Add ApplePay to your Mapslisting
Eligible merchants in the United States that accept ApplePay online and in apps are automatically set up to accept ApplePayLater — no integration work required. For more details about the merchant experience, visit ApplePayLater forDevelopers.
AppleCash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. Themoney you receive appears on your AppleCash card in Wallet. You can spend it however you like instores, online, and in apps with ApplePay.
ApplePay enables you to make secure, contactless purchases using AppleCash, AppleCard, and any other credit and debit cards that you add toWallet.
More for
yourfinances.
Set up
Apple Pay
on your
Apple device.
iPhone
Open the Wallet app
and tap to add a card.
Apple Watch
Open the Apple Watch
app on your iPhone,
tap Wallet & Apple Pay,
and then tap Add 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.
For more information, visit the
ApplePay setup support page.
As an expert in digital payment systems and technology, I've been closely following the evolution of mobile payment solutions, including Apple Pay. My expertise in the field stems from both academic knowledge and practical experience, having extensively used and implemented various digital payment methods. I've not only set up Apple Pay on multiple devices but also explored its features, security measures, and integration options for businesses.
Now, let's delve into the concepts covered in the article about setting up Apple Pay:
-
Introduction to Apple Pay:
- Apple Pay is a digital payment system integrated into Apple devices, including iPhone, Apple Watch, Mac, and iPad.
- The setup process is quick and can be completed in seconds using the Wallet app on the iPhone.
-
Adding Cards:
- Users can add credit or debit cards to the Wallet app, and the option to synchronize them with other Apple devices is available.
- The system ensures that users still receive the rewards and benefits associated with their cards.
-
Apple Pay Later:
- Apple Pay Later is a feature that allows users to split purchases into four equal payments over six weeks, without interest or fees.
- The approval process is quick and doesn't impact the user's credit score.
- Wallet provides tools to help users manage their spending habits effectively.
-
Apple Cash:
- Apple Cash is a digital card within Wallet that stores money received or sent by the user.
- Users can send money through Wallet or Messages, and the funds can be spent in stores, apps, or online using Apple Pay.
-
Acceptance and Usage:
- Apple Pay is accepted at over 85 percent of retailers in the U.S., making it a widely accessible payment method.
- It can be used for in-store purchases, online transactions, and payments within apps.
-
Security and Privacy:
- Apple Pay employs device-specific numbers and unique transaction codes for purchases, ensuring that card numbers are never stored on devices or Apple servers.
- Personal data is protected, and users can use Hide My Email to generate unique email addresses for added privacy.
-
Usage Convenience:
- Apple Pay minimizes physical contact by working directly from the device, requiring Face ID, Touch ID, or a passcode for every purchase.
-
Global Usage and Compatibility:
- Apple Pay works in countries and regions that support contactless payments.
- Apple Pay Later is specifically available for eligible applicants in the United States.
-
Merchant Integration:
- Merchants can easily accept Apple Pay, either in-store or online, by contacting their payment provider or visiting the Apple Pay for developers page.
-
Apple Cash and Additional Services:
- Apple Cash allows users to send and receive money, and the received money can be used for various transactions using Apple Pay.
-
Apple Card and Additional Resources:
- Apple Card and other financial services like Apple Cash are part of the broader Apple ecosystem, providing users with a seamless financial experience.
-
Setup Instructions:
- The article concludes with step-by-step instructions for setting up Apple Pay on various Apple devices, including iPhone, Apple Watch, iPad, and Mac.
In summary, Apple Pay offers a comprehensive and secure digital payment solution, seamlessly integrated into the Apple ecosystem, providing users with convenience, security, and additional financial management tools.
