How to use Apple Pay in stores and online

Check out at Target Self Checkout with Apple Pay

Apple Pay can be used to pay at many retailers, including Target


With contactless options becoming the standard in everything from deliveries to pickups to payments, Apple Pay has become the payment option of choice for many iPhone users. But learning how to use Apple Pay is probably a lot easier than you think.

The hardest part about using Apple Pay is setting up and adding your cards, and it’s as easy as simply entering your card information. Once you’ve got it set up, you can use Apple Pay to make contactless payments with your iPhone or Apple Watch at most retailers, and you can also pay online at many online stores.

How to use Apple Pay

Step 1: Set up Apple Pay

Go to Settings, then Wallet and Apple Pay

Image: Maria Diaz / ZDNet

To set up Apple Pay, all you have to do is go settingsthen find Wallet and Apple Pay.

Tap Add card

Image: Maria Diaz / ZDNet

Then tap Add card and follow the instructions to add your new card.

Apple Pay settings

Image: Maria Diaz / ZDNet

After adding your card to your wallet, you can customize your settings to suit your needs. You can enable Apple Cash, enable the side double-click button to act as a shortcut for Apple Pay, add express transit cards to pay for transit automatically without a passcode or Face ID, edit your transaction information such as default card, shipping address, and contact information and turn payments on and off on Mac.

Step 2: Double click on the right side button

Double-click — or double-press — the side button to bring up Apple Pay

Double-click — or double-press — the side button to bring up Apple Pay

Image: Maria Diaz / ZDNet

If you double-click the button on the right side of your iPhone, your cards will appear for payment. Simply select your payment card when the wallet appears.

Step 3: Enter the passcode to pay

Enter the passcode to pay with Apple Pay

Image: Maria Diaz / ZDNet

Once you’ve selected a card from your iPhone’s wallet, you’ll be prompted to enter your passcode to authorize and pay for your purchase.

Step 4: Hold near the reader

Hold near the reader

Image: Maria Diaz / ZDNet

Entering your passcode will authenticate your payment. Then hold your phone about an inch to the card reader to process the transaction.

That’s it, Apple Pay is as easy as apple pie. sorry i had to


Apple Pay online
Image: Maria Diaz / ZDNet

Besides using Apple Pay in store, you can also use it in apps or online retailers. There are many online merchants that accept Apple Pay just as they do PayPal or a credit card at checkout. Using Apple Pay online is not only more secure, it’s also more convenient because you don’t need to enter your shipping address or card number to check out. Etsy, Starbucks, and Uber Eats, to name a few, all accept Apple Pay.

To use Apple Pay online, tap the Apple Pay option at checkout on your iPhone or other Apple device. Then you’ll be prompted to either enter your passcode or use Face ID to authorize the payment. After that, you can check out as usual with your Apple Pay information already filled out, so you don’t have to log in again or enter your card information.

Likewise: How can I prevent my credit card details from being stolen online?

Using Apple Pay or Google Pay at checkout is more secure than swiping or inserting your card. This is because your credit or debit card number and information is encrypted and never shared with the merchant when you check out. A new code is generated every time you pay at one of these retailers, making it more secure to protect your financial information from cloning or theft.

NFC-enabled card reader

You can use Apple Pay wherever there is a payment terminal with NFC. Most retailers out there have them, with a few exceptions. Just look for the NFC symbol on the card reader. Some banks even accept Apple Pay at NFC-enabled ATMs to make withdrawals or access your account.

NFC stands for Near Field Communication. It is a technology that uses magnetic field induction to enable short-range wireless communication between two electronic devices, typically less than 4 centimeters or 1.5 inches.

Apple Pay on the Apple Watch

The days of “I forgot my wallet” are long gone. Once you’ve added a card to your Apple Wallet, activate Apple Pay on your iPhone. If you have an active Apple Watch linked to this iPhone, you can only use Apple Pay with your watch, even if you don’t have your iPhone with you when you check out.


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