How to set up Apple Pay on Your iPhone and Use It

Ever see someone pay for their groceries or petrol by waving their iPhone over a credit card reader? You may use Apple Pay to make cashless purchases from your iPhone in shops, online and more. Additionally, Apple Cash allows you to transfer money by text message to your loved ones. Here is all the information you want regarding how to set up Apple Pay on your iPhone, how to use it, and how to send money using Apple Cash in the Messages app.

How to Set Up Apple Pay on an iPhone

To set up Apple Pay on an iPhone, follow these steps:

1. Check compatibility: Ensure that your iPhone is compatible with Apple Pay. Apple Pay is available on iPhone 6 or later models, including iPhone SE, iPhone 6s, iPhone 6s Plus, and later models.
2. Update your iPhone: Make sure your iPhone is running the latest version of iOS. Go to “Settings” > “General” > “Software Update” to check for and install any available updates.
3. Add a supported card: Open the Wallet app on your iPhone. Tap the “+” (plus) sign in the top-right corner of the screen. Follow the prompts to add a credit or debit card. You can either manually enter the card details or use the iPhone’s camera to scan the card.
4. Verify the card: Depending on your bank, you may need to verify the card by following the bank’s instructions. This could involve receiving a verification code via SMS or a phone call.
5. Set up security features: Apple Pay provides multiple security features, such as Touch ID, Face ID, or a passcode. Set up the preferred security feature by going to “Settings” > “Face ID & Passcode” or “Touch ID & Passcode.”
6. Enable Apple Pay: In the Wallet app, tap on the card you want to use as your default payment method. Then, tap on the “i” (information) icon in the bottom-right corner of the screen. Toggle on the “Express Transit” switch if you want to use Apple Pay for transit systems that support it.
7. Additional settings: In the card details screen, you can adjust additional settings. For example, you can control notifications, billing information, and transaction details.
8. Start using Apple Pay: Once your card is added and set up, you can start using Apple Pay to make payments. Look for the contactless payment symbol at supported merchants. To pay, simply hold your iPhone near the contactless payment terminal and authenticate using Touch ID, Face ID, or your passcode.

Remember, Apple Pay availability may vary by country and region. Also, note that some banks may have additional requirements or steps for setting up Apple Pay with their cards. If you encounter any issues, reach out to your bank or Apple Support for assistance.

How to Use Apple Pay in Stores

To use Apple Pay in stores, follow these steps:

1. Check for Apple Pay acceptance: Make sure the store or merchant you are visiting supports Apple Pay. Look for the contactless payment symbol at the payment terminal or check their website or payment signage for Apple Pay acceptance.
2. Prepare your iPhone: Double-click the side button (on iPhone X or later) or the home button (on iPhone 8 or earlier) to activate Apple Pay. This will bring up your default card.
3. Authenticate your payment: Depending on your iPhone model and settings, you can authenticate your payment using either Touch ID, Face ID, or your device passcode. Use your fingerprint (for Touch ID) or facial recognition (for Face ID) or enter your passcode when prompted.
4. Hold your iPhone near the payment terminal: Once you have authenticated your payment, hold your iPhone near the contactless payment terminal. Make sure the back of your iPhone is close to the terminal, and the screen should face towards you.
5. Wait for confirmation: The payment terminal will usually make a sound or show a checkmark or confirmation message on its screen when the transaction is successful. Additionally, your iPhone may provide haptic feedback or display a confirmation on its screen.
6. Verify the transaction: After the payment is completed, check your iPhone’s Wallet app for the transaction details. It will show the merchant’s name, purchase amount, and other relevant information. It’s a good practice to review your transactions periodically for accuracy.
7. Repeat as needed: If you have multiple cards added to Apple Pay, you can choose a different card by double-clicking the side or home button and selecting the desired card before holding it near the payment terminal.

Remember, the exact steps may vary slightly depending on the iPhone model and iOS version you are using, as well as the payment terminal and store setup.