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.
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.
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.
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.