Apple Wallet app chiclet

Add a card to Apple Wallet.

Your cards. Secured on iPhone.

Add a card to Apple Wallet
Apple Pay is your debit or credit card, just on your iPhone. Earn the same benefits and rewards, with the reliable security of your Apple device — and your purchases are protected by Face ID, Touch ID, or your passcode.
Simply double-click and tap to pay anywhere there’s a Contactless payment symbol in a store or Apple Pay symbol online. For everything from groceries to vacations, Apple Pay is designed so only you can pay.

Get started with Apple Pay.

Privacy and Security

Protection
you can bank on.

Apple Pay combines the payment protections you expect with the Apple security features you love. Your transactions are protected by Face ID, Touch ID, or your passcode, and they use a device‑specific number instead of your actual card number, so Apple Pay is more secure than tapping your physical card.

Acceptance

Pay practically
anywhere.

Use Apple Pay anywhere there’s a Contactless payment symbol in stores and Apple Pay symbol online or in apps — and even for transit. So whether you pay at checkout with your iPhone in person or at home with your Mac, you’ll never have to reach for your wallet.

iPhone, front, displaying an Apple Pay payment sheet, with a Chase debit card selected, shipping and delivery details, and a "Confirm with Side Button" prompt
iPhone tapping a contactless reader, front, displaying a Face ID symbol, and a Bank of America debit card
iPhone, front, displaying a Tap transit card, with a $60.75 stored value, an "Add Money" button, and a list of recent transit transactions

Ways to Pay

Big purchase?
You’ve got shoptions.

Pay in full or over time with an eligible card or pay‑later provider at checkout — both online and in stores.5 You can also use your card’s rewards online.6 And you can check your card balance and transaction history right in Apple Wallet.7 So whether you’re booking a trip with points or splurging on your dream bag, you have the option to pay exactly how you want.

Pay in Full

Pay Later

Pay with Rewards

Pay with Apple Cash

Questions? Answers.

  • You can use Apple Pay to make purchases in stores, on websites, and in apps. It’s accepted at millions of places, so you can simply pay with your Apple devices.

  • Open the Apple Wallet app on your iPhone and tap the to add a debit or credit card.

    Place your iPhone on the back of an eligible payment card and keep it there until the card is read.9 Or enter card details manually.

    You’ll have to verify your information with your bank or card issuer.

    If you’d like to add a credit, debit, or prepaid 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 lets you use your debit and credit cards on your iPhone and other Apple devices, so you can make secure purchases in stores, in apps, and online.

    Apple Wallet is the app that securely keeps your debit and credit cards, eligible driver’s license or state ID, transit cards, event tickets, keys, and more — all in one place.

  • Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can find 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 installments here.
    See participating banks and cards that support rewards here.

  • Apple Cash is an easy and secure way to send and receive money on your iPhone.8

    Apple Pay enables you to make secure, contactless purchases using your Apple Cash or any other eligible debit, credit, prepaid, or gift cards you add to Apple Wallet.

  • No. Apple does not charge any fees when you pay with Apple Pay — in stores, online, or in apps. Your card issuer may apply its usual charges or fees, but Apple doesn’t charge users for making purchases or change how your card works.

  • With Apple Pay, you can make secure, contactless payments in stores, online, and in apps using iPhone, Apple Watch, Mac, iPad, or Apple Vision Pro.

  • Apple Pay is designed to be more secure than using your physical card. Your transactions are protected by Face ID, Touch ID, or your passcode.

    Your actual card number isn’t stored on Apple servers or shared with merchants, and Apple doesn’t keep transaction information that can be tied back to you.

  • 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.

  • When you add an eligible transit card or other compatible card, pass, or key to Apple Wallet, Express Mode is turned on by default.

    Express Mode lets you use eligible debit, credit, or transit cards without unlocking your device or authenticating with Face ID, Touch ID, or your passcode.4 Simply hold your iPhone or Apple Watch near the transit reader and go. With Express Mode, you may even be able to use Apple Pay when your device is low on battery.

  • Yes. You can use Apple Pay for in‑store purchases on your iPhone or Apple Watch even if you’re not connected to the internet or cellular service.

    Apple Pay uses the Near Field Communication (NFC) chip in your device, not cellular data or Wi‑Fi, to securely connect with a store’s payment terminal so your purchase is still processed.

    However, your purchase may not show up in your transaction history until you reconnect to the internet or cellular service.

  • No. Apple Pay does not limit the number of transactions you can make. Wherever there’s a Contactless Symbol in stores, or an Apple Pay button online or in apps, you can use 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.

    If you want to accept Apple Pay for in‑person contactless payments, you can use Tap to Pay on iPhone.

    To let customers know you 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 storefront window and register.

  • With Tap to Pay on iPhone, you can accept all types of in‑person contactless payments, including Apple Pay, right on iPhone.

    No extra terminal or hardware is required.10 All you need is iPhone and a supported payment app.

More for your finances.