Using the Wallet App & Apple Pay on iPhone 12

With Apple Pay, you can leave your wallet at home and shop with your iPhone! Instead of picking through your purse or wallet trying to find the correct credit card, you can store your payment cards on your iPhone 6 or later versions and use them to make payments at the tills. Here’s how to set up and use this exciting new Apple easy payment service.

How to store credit and debit card information

Step 1 – To use Apple Pay, you need at least an iPhone 6, 6 Plus or SE; or an Apple Watch connected to a compatible iOS device. Apple Watches are compatible with the iPhone 5 or later, including the iPhone SE and require at least iOS 8. You can make Apple Pay payments online with an iPad Pro, iPad Air 2 or an iPad Mini 3.

wallet and apple pay 1

Step 2 – Credit or debit cards are added to Apple Pay through the Wallet app. To add a new card, use your iSight camera to take a photograph of the card in question. Just keep it in the frame as advised on screen, and the card is photographed and its information stored. Or type the information in manually.

Step 3 – Your credit and debit cards are then stored in Wallet, ready to use with Apple Pay. You can add the credit or debit card from your iTunes account simply by typing in the card’s security code. The first card you enter becomes the default payment card, but you can change this in Settings if you wish.

Using Apple Pay on the iPhone

Step 1 – After you’ve registered your payment cards, to use Apple Pay, wave your iPhone over the contactless payments reader. On an X-series iPhone, use Face ID to confirm your identity, but with earlier iPhones, hold your finger on the Home button so your identity can be confirmed using the fingerprint scanner.

Step 2 – There’s no need to open the Wallet app to use Apple Pay. You don’t even have to unlock your iPhone; the service works even if it’s in sleep mode and the display is blank. You do not have to look at your screen to know the payment has been accepted either. It’s confirmed with a vibration and a beep.

Step 3 – Apple Pay is private and secure. Apple doesn’t store details of your transactions, and recent purchases are available for you to review in your Wallet app. If you lose your iPhone, you can suspend Apple Pay using the Find My app on a compatible device. Simply tap Mark as Lost.

More Wallet Features


Tap a card, and transactions you’ve made with that card are listed underneath. Not every bank issues this information, but if yours does, you can see both what you’ve spent and where, using the Apple Pay service.

Multiple cards

If you have more than one card stored in Wallet, the app pays with the default card. To pay with a different card, open the app and tap the card you want before presenting your iPhone to the Apple Pay reader.

Wallet Settings

In Settings > Wallet & Apple Pay, you can configure the feature to suit your needs. Set up an Express Travel Card for travel terminals, choose your default card, change your shipping address and more.

Find more guides like this in…

Ian Osborne

Ian has worked on computer and video games magazines since the legendary Crash and Zzap! 64 in the early Nineties, so he’s seen many changes over the years (including an expanding waistline and receding hairline). A lifelong Mac user, he bought his first Mac in the year 2000. It’s a testament to the resilience of the Mac that his mother is still using that computer to this very day.

Related Articles

Back to top button