Apple Pay

Here to pay.

Apple Pay replaces your physical cards and cash with an easier, safer, more private and secure payment method. Use it online, in apps, and in stores. It’s the simple way to pay every day.

Add a card

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Faster and easier

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.

Examples of the Apple Card screen on iPhone and on Watch
Example of Apple Pay Later screen in Wallet
Example of a text exchange showing Apple Cash being sent via Messages

Setup in seconds. Apple Pay is simple to set up. Just add your credit or debit card to the Wallet app on your iPhone and you’re ready to go. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points or miles.

How to set up Apple Pay

Examples of the Apple Card screen on iPhone and on Watch

Pay over time with Apple Pay Later.1
Apple Pay Later 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 Apple Pay on your iPhone or iPad, then select Pay Later. 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 spending habits.

Learn more about Apple Pay Later

Example of Apple Pay Later screen in Wallet

Use Apple Cash with Apple Pay. Apple Cash 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 Apple Pay.

Example of a text exchange showing Apple Cash being sent via Messages

Does it all.

Grab from the
corner cafe. Load
up your app.
Order a new online.
Have delivered.

Subscribe to .

from a
vending machine.

And from the

Just look

or when
you check out.

At stores and more. Apple Pay 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. Apple Pay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subway stations.

How to pay in stores with iPhone

In apps and online. Use Apple Pay 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 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 online using Touch ID

Safe and

And secure.

Personal data. Protected. When you make a purchase, Apple Pay 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 with merchants. 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. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

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.

Get started
Apple Pay.

Add a card

Questions? Answers.

  • You can use Apple Pay to make purchases in stores, 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 prepaid 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 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 shipping addresses.

    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 Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

  • 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 Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad. If you upgrade to a new iPhone, you can automatically transfer your cards to the new device in one easy step.

  • 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.

  • Apple Pay 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 Apple Pay for purchases you make in apps and online with iPhone or iPad. You can manage all your Apple Pay Later loans and payments in one organized place in Wallet — no separate apps to download, no extra passwords to remember.

  • No. Apple does not charge any fees when you pay with Apple Pay — in stores, online, or in apps. And Apple doesn’t charge interest or fees when you use Apple Pay Later.

  • 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. Apple Pay Later is available only for eligible applicants when shopping at merchants located in the United States.1

  • 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. And Apple Pay Later is part of Apple Pay — no integration or additional steps are required.

  • 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 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 storefront window and register. You can even get marketing materials for Apple Pay Later, including a messaging widget and logos.

    Eligible merchants in the United States that accept Apple Pay online and in apps are automatically set up to accept Apple Pay Later — no integration work required. For more details about the merchant experience, visit Apple Pay Later for Developers.

  • Apple Cash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay.

    Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.

More for
your finances.


Carry one thing.

Learn more

Apple Card

The simplicity of Apple.

In a credit card.

Learn more

Apple Cash

Send it.
Spend it. Stash it.

Learn more