What is Apple Pay? How to Use it on iPhone?

Apple Pay is Apple’s contactless payment service that lets you store debit, credit, or prepaid cards in your iPhone’s Wallet app. Instead of swiping a physical card, Apple Pay uses a unique token (Device Account Number) to protect your card details during transactions. This means your actual card number is never shared, making payments safer.

How to Set Up Apple Pay on iPhone

Before you start:

• Ensure your iPhone is running iOS 12 or later.
• Check if your bank and region support Apple Pay.

Step-by-Step Setup:

1. Open the Wallet app → Tap the + (plus) icon.
2. Select Debit or Credit Card → Scan your card with your camera or enter details manually.
3. Verify your card via a text, call, or email from your bank.

✅ Pro Tip: Add cards to Apple Pay on your Apple Watch if your iPhone isn’t nearby!

Using Apple Pay: In-Store, Online & More

1. In-Store Payments

• Look for the contactless symbol or Apple Pay logo at checkout.
• Hold your iPhone near the terminal → Authenticate with Face ID or Touch ID.
• Wait for the checkmark ✅—payment complete!

2. Online & In-App Purchases

• Tap the Apple Pay button at checkout.
• Authenticate with Face ID/Touch ID → Done!

3. Send Money with Apple Cash

• Set Up Apple Cash: Go to Settings → Wallet & Apple Pay → Toggle on Apple Cash.
• Send Money: Open Messages → Tap the + → Choose Apple Cash → Enter amount → Send.

Check Also – How to Convert Photos to PDF on iPhone and iPad: 2025 Ultimate Guide

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Manage Your Apple Pay Cards Like a Pro

Change Your Default Card

1. Go to Settings → Wallet & Apple Pay → Default Card.
2. Pick your preferred card.

Remove a Card

1. Open Wallet → Select the card → Tap ••• → Remove Card.
2. Confirm → Done!

Why Apple Pay is Safer Than Your Physical Wallet

• Biometric Security: Face ID or Touch ID ensures only you approve payments.
• Tokenization: Your real card number is replaced with a unique code for every transaction.
• Lost iPhone? Use Find My iPhone to lock Apple Pay remotely.

📝 Note: No internet? Apple Pay still works for in-store purchases!

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Apple Pay FAQs: Quick Answers

❓ Can I use Apple Pay abroad?
Yes! Apple Pay works globally wherever contactless payments are accepted.

❓ What if my card expires?
Your Wallet app updates card details automatically.

❓ Is Apple Pay free?
Yes—no fees for using Apple Pay.

Final Tips:

• Use Apple Pay for transit passes and loyalty cards in the Wallet app.
• Enable Express Mode for faster transit payments (no authentication needed).

With Apple Pay, your iPhone becomes a powerful, secure wallet. Ditch the plastic and start tapping today! 🍎💳