How do I use Apple Pay?

You can use Apple Pay to make purchases in shops, on websites and in apps. It’s widely accepted, simple, safe, secure and private.

How secure is Apple Pay?

Apple Pay is safer than using a physical credit, debit or pre-paid card. Face ID, Touch ID or your passcode is required for purchases on your iPhone, Apple Watch, 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 Apple servers. When you pay in shops, 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 authorise to fulfil your order — such as your name, email address, and billing and shipping addresses. When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you.

How do I set up Apple Pay?

Adding a credit or debit card is as easy as opening the Wallet app, tapping the plus symbol, and tapping the back of your iPhone with an eligible card. Or add a card manually — open the Wallet app, tap the plus symbol and follow the steps onscreen. You’ll have to verify your information with your bank or card issuer. If you have a paired Apple Watch, you’ll also have the option to add the card to your watch. If you upgrade your iPhone, you can transfer your cards to the new device in one easy step. If you’d like to add a credit, debit or pre-paid card directly to Apple Watch, Mac, iPad or Apple Vision Pro, you can visit Apple Support to learn more about how to add your card to other Apple devices.

Which banks support Apple Pay?

Apple Pay 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 Apple Pay here . If your card does not yet support Apple Pay, contact your bank for more information.

How do I connect a card and view my card balance?

To connect an eligible account, you must first add your card in the Wallet app . Then open Wallet, select your card, tap the more button and select Card Details. Next, tap Get Account Balance & Activity and follow the steps onscreen.

Does it cost extra to use Apple Pay?

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

Can I use Apple Pay abroad?

Apple Pay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseas usage.

How can my business accept Apple Pay?

If your business already accepts credit and debit cards, simply contact your payment provider to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app, visit Apple Pay for developers .

Does my business need any special equipment to accept Apple Pay?

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. If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.

How do I let my customers know I accept Apple Pay?

Download the Apple Pay mark to use within email, on your terminal screen, on your website and in your app. You can also order Apple Pay decals to put on your shopfront window and at checkout.

Apple Pay

Set up Apple Pay in seconds. Learn how

Pay the Apple way.

Add a card

Faster and easier than using cards or cash.

Pay in full or over time.

Privacy and security
built in.

Apple Pay is accepted on millions of websites and apps.

It’s ready
and set.
Just go.

Set up in seconds. Right on your iPhone. Apple Pay is built into iPhone, Apple Watch, Mac, iPad and Apple Vision Pro. To get started on iPhone, open the Wallet app and tap the plus symbol. Then add a credit or debit card by tapping the back of your iPhone with your eligible card.¹ You’ll have the option to add your card to your other devices at the same time. When you want to pay, just double-click, tap, and you’re set. You still earn your card’s rewards and benefits — so you won’t miss out on any points or miles.

How to add a card

iPhone shows shopping bag checkout screen. On the bottom half of the screen is an Apple Pay window with Pay Later via Monzo Flex selected as the payment option. The payer is being prompted to pay for their chosen goods by confirming the transaction with the side button.

New

Pay the way that works for you.
Apple Pay gives you flexibility at checkout when you shop online and in apps with iPhone or iPad. You can choose to pay in full or split your purchase into smaller payments over time through an eligible card.²

Pay with instalments using Apple Pay

An easier way to pay for public transport in the UK. With Express Mode, you don’t need to authenticate your payment with Face ID or Touch ID. So paying on trains, buses, trams and more is quick and easy. Simply tap your iPhone or Apple Watch on the card reader and go.

Learn more about using Apple Pay on public transport

iPhone screen shows virtual Monzo bank card above an available balance of £2,100.65 and a list of Latest transactions

Check balances across multiple cards. Now you can view your debit card balance before checking out with Apple Pay.³ All you have to do is connect your account to an eligible card you use in Wallet. Once your card is connected, it’s easy to access your important account information. View your available credit, see categorised spending summaries and search through up to two years of transaction history.⁴ And you’ll get low-balance warnings for your connected debit card — with direct access to your bank app for support, all designed to help you make more informed financial decisions.

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 check out.

An Apple Watch, an iPhone and a MacBook Pro all side by side. The Apple Watch shows an American Express credit card. The iPhone shows a Etsy product page with a candle and the option to pay with Apple Pay. The MacBook Pro displays a product page on the Outdoor Shoe Store website and an Apple Pay overlay with a QR code prompting the payer to use their iPhone to continue their purchase.

At stores and more. Apple Pay is widely accepted, so you can most likely use it wherever and however you want. If you’re not sure, just ask. Apple Pay works anywhere that takes contactless payments — from vending machines and supermarkets to taxis and train stations.

Learn how to pay in stores with iPhone

In apps and online. Use Apple Pay to seamlessly make purchases in Safari and other browsers — on iPhone, iPad, Mac and other computers — without the lengthy checkout forms. On an Apple device, click or tap the Apple Pay button and pay with a touch or glance. On a non-Apple device, scan the Apple Pay code with your iPhone camera and use your iPhone to complete your purchase.⁵ You can even use Apple Pay to subscribe to services like Apple Music, Apple News+ and Apple TV+, buy apps and games on the App Store, and upgrade your iCloud storage.

How to pay with Safari on Mac

How to pay in more browsers

Safe and
sound.
And secure.

Personal data. Protected. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your actual card number isn’t shared by Apple with merchants or stored on Apple servers. 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 personal inbox.

Your purchases stay private. When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you.

Tap more. Touch less. Apple Pay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. Every purchase requires Face ID, Touch ID, or a passcode — helping to keep your security in your hands.

Questions? Answers.

You can use Apple Pay to make purchases in shops, on websites and in apps. It’s widely accepted, simple, safe, secure and private.
Apple Pay is safer than using a physical credit, debit or pre-paid card. Face ID, Touch ID or your passcode is required for purchases on your iPhone, Apple Watch, 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 Apple servers.

When you pay in shops, 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 authorise to fulfil your order — such as your name, email address, and billing and shipping addresses.

When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you.
- Learn more about Apple Pay security and privacy
Adding a credit or debit card is as easy as opening the Wallet app, tapping the plus symbol, and tapping the back of your iPhone with an eligible card.¹ Or add a card manually — open the Wallet app, tap the plus symbol and follow the steps onscreen. You’ll have to verify your information with your bank or card issuer. If you have a paired Apple Watch, you’ll also have the option to add the card to your watch. If you upgrade your iPhone, you can transfer your cards to the new device in one easy step.

If you’d like to add a credit, debit or pre-paid card directly to Apple Watch, Mac, iPad or Apple Vision Pro, you can visit Apple Support to learn more about how to add your card to other Apple devices.
Apple Pay 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 Apple Pay here. If your card does not yet support Apple Pay, contact your bank for more information. See participating banks and cards that support instalments here.
To connect an eligible account, you must first add your card in the Wallet app. Then open Wallet, select your card, tap the more button and select Card Details. Next, tap Get Account Balance & Activity and follow the steps onscreen.
No. Apple does not charge any fees when you use Apple Pay — in shops, online or in apps.
Apple Pay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseas usage.
If your business already accepts credit and debit cards, simply contact your payment provider
to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app,
visit Apple Pay for developers.
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.⁶ If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.
Download the Apple Pay mark to use within email, on your terminal screen, on your website and in your app. You can also order Apple Pay decals to put on your shopfront window and at checkout.