What is Apple Pay, how does it work, and how do you set it up?

What is Apple Pay, how does it work, and how do you set it up?

Apple Pay is a contactless payment system for Apple devices. It was created to allow consumers to switch from using physical wallets to a world in which your debit and credit cards can be stored on your iPhone (or Apple Watch), allowing you to pay with your device, instead of a card.

This section covers everything you need about Apple Pay. It explains how it works and how to set it all up.

What banks and cards accept Apple Pay?

Apple Pay is compatible with most major credit and debit card providers, including Visa, MasterCard, and American Express. Unsurprisingly, Apple’s Apple Card also supports Apple Pay.

Although you do not need to use a bank that is participating, most banks support Apple Pay. Click the links below to see a complete list of all banks that are supported in each country.

Apple Pay works with US federal-payment card cards?

Yes. Yes. Apple’s mobile payment system works with federal-payment cards. This includes Social Security and Veterans benefits paid via debit cards.

This includes Direct Express payments network and GSA SmartPay government cards. Apple Pay can also be used to purchase tickets or gift shop items in national parks.

Apple Pay: Where can you use it?

Apple Pay can be used anywhere that accepts contactless payment. Apple Pay is accepted by merchants who see the Apple Pay symbol at the checkout.

It is supported by thousands of restaurants and stores around the world. Apple Pay is supported by more than 75% of US stores and restaurants, and over 85% in the UK. Support is available in Australia at 99 percent of its restaurants and stores.

Bloomingdales and Disney are just a few of the US restaurants and stores that accept Apple Pay. View a complete list of stores.

The UK has a contactless payment system. You can use Apple Pay at any of the restaurants and stores you use contactless.

Apple Pay can be used in many apps, through Safari, and on public transport. It is also available at certain non-profit organizations like Cancer Research UK and WaterAid.

Apple Pay has a cap?

No. Apple Pay is not like contactless card payments, which limit you to a PS100 purchase.

You can now pay for your weekly grocery shop or fuel your car with your iPhone/Apple Watch.

What Apps Support Apple Pay?

Apple Pay is supported by many apps, including travel apps, entertainment apps, and service apps.

These are just a handful of apps that support Apple Pay.


How to set up Apple Pay on an iPhone or iPad

To set up Apple Pay on your iPhone/iPad, you will need to use Apple Wallet. Apple Wallet will store your debit and credit cards, and pull the data when you authenticate Apple Pay and How to use Apple Pay

Open Wallet on your iPhone. Go to Settings > Apple Pay and select Wallet. Tap the “+” at the top right and click “Continue”. To capture your credit, debit or store card information, you can use the camera on your phone. Fill in the rest of the information.

Your bank will verify the information. Additional verification may be required. This could mean that you need to call your bank or receive a text message with an unique code that will need to be entered. It will vary depending on which bank you are dealing with.

How to set Apple Pay up on Apple Watch

First, open the Watch app on iPhone to set up Apple Pay. You will need to be in the My Watch tab at the bottom of your screen > Scroll down until you see Wallet & Apple Pay > Tap on Add Card.

Your bank will verify your information, just like on an iPhone. It is possible that you will need to verify your information again. Your Apple Watch will notify you that your card is available for Apple Pay.

What is an Express Travel Card?

Apple Pay has an Express Travel Card feature that allows you to choose a card that you have set up to automatically work when you’re near a public transport reader.

You can use the card you choose to pay for your travel, without having to tap twice on the home or side buttons of an iPhone or Apple Watch.

How can you use Apple Pay for iPhone?

Apple Pay requires Near Field Communication (NFC), Touch ID (or Face ID) on iPhone 6 or later. The method you use to launch Apple Pay will depend on the iPhone you are using. Every transaction must be authorized by Touch ID, Face ID, or your passcode.

Touch ID iPhones: Double-tap the Touch ID home button, and hold your finger until it says “Hold Near Reader”. You can also choose “Pay with Passcode” if your fingerprint is not recognized.

Double-press the sleep/wake button at the right-hand end of an iPhone with Face ID to launch Apple Pay. If your face is not recognized, authorization will take place via Face ID. Your screen will say again “Hold Near Reader” once you have been authorized.

When your iPhone has indicated hold near reader, you will be able to place your iPhone in front of a contactless terminal. If your phone is not on silent, a slight vibration or ping will confirm payment. The Wallet app records the receipt so that you can view your most recent transactions. Apple Pay is available on all iPhone models, so you don’t need to open any app or wake up your iPhone to launch it.

Apple Pay with Watch: How to Use It

Double-click the button near the Digital Crown to launch Apple Pay. The default payment card you have selected will be displayed on your Apple Watch screen. Below, “Hold Near Reader To Pay” will appear. After that, your Apple Watch will allow you to place it up to the terminal to confirm that your payment went through.

How to change your default Apple Pay card

Go to the Settings app and scroll down to Wallet & Apple Pay to change your default Apple Pay card. You will find a list under the heading “Transaction defaults” on this screen.

The default card setting is the first. You can click on this to choose the default Apple Pay card. However, it is simple to switch between them once you launch Apple Pay.



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