Pay in stores
with iPhone.

With Apple Pay, you can easily make secure, contactless payments in-store, online, and in apps using iPhone, iPad, Apple Watch, Mac, or Apple Vision Pro. You can also use Apple Pay to pay for your Apple services and other subscriptions.

Apple Pay is available in 90 countries and regions worldwide. And when you use Apple Pay, you even get the same fraud protections that you do with your physical debit or credit card.

You can use Apple Pay at over 85% of U.S. retailers and anywhere contactless payments are accepted. You can make purchases at millions of places around the world in stores, online, and in apps.

Apple Pay is more secure than paying with a physical debit or credit card because Apple Pay uses advanced protections built into your Apple device's hardware and software.

When you make a one-time purchase with your iPhone, you are required to authenticate the transaction with Face ID, Touch ID, or your passcode. Additionally, Apple Pay uses device-specific tokenization, ensuring your actual card number, expiration date, and security code are never shared with merchants, dramatically lowering your exposure to fraud.

Learn more about Apple Pay security and privacy, Apple Support

With Apple Pay, you will still earn all your credit card's points and rewards for every transaction, just like you would if you paid with your physical card.

Apple Pay uses the Near Field Communication (NFC) chip in your device to securely connect with a store's payment terminal. So making purchases is easy no matter where you are.

Even when you're not connected to Wi-Fi or cellular service, your purchase will still process. However, your purchase may not show up in your transaction history until you reconnect to Wi-Fi or cellular service.

Apple Pay is supported by thousands of banks, credit unions, and card issuers globally — with new banks added regularly. If your card isn't supported yet, contact your bank for more information.

The full list of banks that support Apple Pay can be found here, Apple Pay participating banks in Canada, Latin America, and the United States.

Apple doesn't charge users for making purchases with Apple Pay in stores, online, or in apps. Remember, you're paying with the same debit or credit card, just on your iPhone.

Your card issuer may still apply their usual charges or fees, but Apple itself doesn't charge users for making purchases or change how your card works.

On iPhone and Apple Watch, Apple Wallet keeps your credit and debit cards, ID cards, transit passes, boarding passes, event tickets, keys, order-tracking details, and more — all in one place.

Additionally, Apple Wallet automatically syncs passes, tickets, and, in some cases, credit or debit cards across your Apple devices when you're signed into the same iCloud account.

The first credit or debit card you add becomes your default payment card, but you can easily change it anytime.

How to change your default payment card on iPhone:

Step 01: Open the Apple Wallet app .

Step 02: Touch and drag the credit or debit card you want to set as your default payment for purchases to the front of the card stack.

You can easily change your default payment card in the Watch app on your paired iPhone.

How to change your default payment card on Apple Watch:

Step 01: On your paired iPhone, open the Watch app .

Step 02: Tap My Watch, then tap Wallet & Apple Pay.

Step 03: Tap Apple Pay Defaults, then choose a payment card.

You can easily change your default payment card anytime in System Settings.

How to change your default payment card on Mac:

Step 01: Open System Settings .

Step 02: Select Wallet & Apple Pay.

Step 03: Select Default Card, then choose a payment card.

When your default card appears, you can easily choose another payment card before completing your purchase, right at checkout.

If you want to pay with a different card on iPhone, double-click the side button, tap the cards at the bottom of the screen, then select a card to check out in store. On Apple Watch, double-click the side button, use the digital crown to scroll to your preferred card, and hold your watch near the card reader to process your payment.

Your default payment card stays the same unless you change it in the Apple Wallet app.

Send money to family, friends, or others using your Apple Cash balance, or by setting up a debit card to add funds.

How to send Apple Cash using Messages:

Step 01: Open an existing conversation in Messages .

Step 02: Tap , then select Apple Cash.

Step 03: Enter the amount you want to send and tap Send.

Step 04: Double-click the side button to confirm the amount you want to send and authenticate the transaction with Face ID, Touch ID, or your passcode.

You must have an Apple Cash balance or an eligible debit card linked to your Apple Wallet to use this feature.

Once you've set up a debit card in Apple Wallet, you can add funds to your Apple Cash balance.

How to add funds to your Apple Cash balance:

Step 01: Open the Apple Wallet app and select your Apple Cash card.

Step 02: Tap , then select Add Money.

Step 03: Enter an amount. Then tap Done or the checkmark.

Step 04: Double-click the side button to confirm the amount you want to add and authenticate the transaction with Face ID, Touch ID, or your passcode.

When checking out online or in apps, you can review and update your information before you confirm your purchase.

How to update your contact at checkout:

Step 01: Tap Contact on the payment sheet.

Step 02: Select a phone number and email, or tap Add Phone Number or Add Email Address.

Step 03: Tap Done or the checkmark.

How to update your shipping address at checkout:

Step 01: Tap Deliver to on the payment sheet.

Step 02: Select an address, or tap Add Shipping Address.

Step 03: Tap Done or the checkmark.

Once everything looks right, confirm your purchase.

When your iPhone has a low battery, you may be able to use Power Reserve Mode to keep iOS running in order to support Express Card transactions.⁵ So you can still use your payment or transit card designated as an Express Transit Card, or Access Cards with Express Mode enabled.⁶ This is because Power Reserve Mode keeps the NFC chip active after your iPhone needs to be charged, allowing Express Mode to continue working without unlocking your device.

When your iPhone has a low battery, press and hold the side button to display a low-battery icon and a message that reads "Express Cards are available." Just hold your iPhone near the reader and you'll feel a vibration confirming the transaction.

How to enable Express Mode for a card, pass, or key:

Step 01: Open the Apple Wallet app and select a card, pass, or key.

Step 02: Tap , then tap Card Details.

Step 03: Tap Express Transit Settings and select your preferred transit card, payment card, or compatible pass or key.

Learn more about using Express Mode, Apple Support

How to set up Apple Pay on iPhone:

Step 01: Open the Apple Wallet app on your iPhone.

Step 02: Tap .

Step 03: Tap Debit or Credit Card, then tap Continue.

Step 04: Hold your iPhone to the middle of the back of your physical card. Keep it in place until the card is read, or tap Enter Card Details Manually.

Step 05: Verify your information with your bank or card issuer. This might include receiving a text, answering security questions, or confirming through your bank's app.

How to set up Apple Pay on Apple Watch:

Step 01: On your paired iPhone, open the Watch app .

Step 02: Tap My Watch, then tap Wallet & Apple Pay.

Step 03: Add your card.

To add a new card or a previous card: Tap Add Card, then follow the steps onscreen.
To add a card stored on your iPhone: Tap Add next to the card.

How to set up Apple Pay on Mac:

Step 01: Open System Settings .

Step 02: Click Wallet & Apple Pay.

Step 03: Click Add Card and follow the steps on the screen to add a card.

How to update your billing information:

Step 01: Open the Apple Wallet app and select the payment card you want to update.

Step 02: Tap , then tap Card Details.

Step 03: Tap Billing Address.

Learn more about updating cards and billing information, Apple Support

How to view your latest Apple Pay transaction history:

Step 01: Open the Apple Wallet app .

Step 02: Tap a payment card to see a list of your latest transactions.

Step 03: Tap a transaction to see more details or report an issue.

Learn more about viewing Apple Pay transaction history, Apple Support

If you use Apple Pay for recurring or preauthorized payments — such as subscriptions, monthly bills, or installments — they will all be available to view in the Apple Wallet app.

How to view preauthorized payments:

Step 01: Open the Apple Wallet app .

Step 02: Tap , then tap Preauthorized Payments.

Step 03: Tap a merchant to see more details.

Step 04: To manage your payment preferences, tap Manage to visit their site.

If you can't change or cancel the preauthorized payment on the merchant's site, you can also tap Revoke Payment Authorization to request that the merchant no longer charge your Apple Pay payment method.

When you add a card to your Apple Wallet, your actual credit, debit, and pre-paid card numbers are securely stored on your Apple devices and iCloud Keychain, protected by end-to-end encryption.

And Apple Pay doesn't share your actual card number with merchants. Instead, Apple Pay uses a device-specific account number and a unique transaction code to help process your payments in stores, online, or in apps. This helps protect your information and reduce the risk of fraud.

How to view or add your card number in Apple Wallet:

Step 01: Open the Apple Wallet app .

Step 02: Tap the card you'd like to view, then tap .

Step 03: Tap Card Details, then select Card Information.

Your card number will only be visible if you've previously entered it in full.

Apple Pay uses security features built into the hardware and software of your device to help protect your transactions. Apple protects your personal financial information, transaction data, and payment information when you use Apple Pay. Apple Pay allows you to make easy, secure, and private transactions in stores, in apps, and on the web.

When you use Apple Pay with a credit, debit, or prepaid card, Apple doesn't retain transaction information that can be tied back to you. And your data isn't sold by Apple to third parties for marketing or advertising.

Learn more about Apple Pay security and privacy, Apple Support

If you've turned on Find My, Apple Support on your Apple device, you can put a hold on or remotely remove cards from Apple Pay by placing your device in Lost Mode. This will place a hold on your cards in Apple Pay. However, your physical cards remain active and can still be used as normal. This is a good alternative to immediately canceling your cards because if you find your device, you can quickly reenable your cards to use with Apple Pay.

How to put your device in Lost Mode:

Step 01: Open the Find My app on one of your Apple devices.

Step 02: Click or tap Devices.

Step 03: Select the device you've lost.

Step 04: Click or tap Lost Mode, then click or tap Continue.

How to remove your card if your device is lost or stolen:

Step 01: Sign in to your Apple Account.

Step 02: Go to the Settings app , then tap your name.

Step 03: Select the lost device, then tap Remove Items.

Step 04: Call your bank or card issuer.

You can remove cards in the Apple Wallet app, or remotely from any Apple device or web browser by signing in to your Apple ID.

How to remove your card from Apple Pay on iPhone:

Step 01: Open the Apple Wallet app .

Step 02: Tap the card you want to remove, then tap .

Step 03: Tap Card Details.

Step 04: Tap Remove Card.

If your physical card is lost or stolen, contact your bank or card issuer right away so they can update or replace your card.

When you use your debit or credit card with Apple Pay, your bank or card issuer's fraud protections still apply as they would to your physical card.

In some cases, updated card information is automatically added to Apple Pay, so you may be able to continue using Apple Pay before your new physical card arrives. Availability and timing may vary by bank or issuer.

Apple Pay gives you flexibility at checkout in stores, online, or in apps. You can choose to pay in full or split your purchases into smaller payments over time through an eligible card or pay-later provider.

Learn more about paying with installments, Apple Support

How to apply for a pay later plan at checkout:

Step 01: Choose Apple Pay as your payment method when checking out online or in apps.

Step 02: Tap Other Cards & Pay Later Options.

Step 03: If available, pay later options appear under Additional Pay Later Options.

Step 04: Tap Set Up next to the option you want to use, then follow the on-screen steps.

Most purchases made using Apple Pay can be returned with just the receipt. If a merchant requires more information, like the last four digits of your Apple Pay card number, you can find it easily in the Wallet app.

How to make a return with Apple Pay:

Step 01: Open the Apple Wallet app on the device that you used to make the purchase.

Step 02: Tap the payment card that you want to be refunded.

Step 03: Double-click the side button and authenticate with Face ID, Touch ID, or your passcode. Finally, hold your device near the contactless reader.

Once the store processes your return, your refund goes back to your payment card automatically. It might take a few days to show up on your statement.

Learn more about making returns, Apple Support

Apple Intelligence enhances order tracking by organizing merchant and tracking details from eligible orders in the Apple Wallet app. Apple Intelligence automatically scans order confirmation and shipping emails in the Mail app to identify key details — such as merchant name, order status, and tracking numbers — making it easy to view delivery updates and payment details in one place.

How to track an order:

Step 01: Open the Apple Wallet app .

Step 02: Tap , then tap Orders.

Step 03: Select an order to see details.

If something doesn't look right, remember that all tracking information comes directly from the merchant — so reach out to them if you have questions or need help with your order.

You can use Apple Pay on Safari and third-party browsers through participating merchants on your Mac, Windows PC, and other devices.

At checkout, just select Apple Pay as your payment method. A QR code will appear — scan it with your iPhone or iPad to securely complete your purchase.

You can ride public transportation in select cities across the world using your iPhone or Apple Watch.

Depending on the transit system, you can add an eligible transit card to Wallet to pay for your transit trips, or you can pay using your debit or credit card in Wallet.⁷ It’s quick and convenient — just hold your device near the reader to pay and go.⁸

See eligible cities here, a list of cities that support Transit in Apple Wallet.

In many select cities worldwide, you can add an eligible transit card to Wallet. Then you can simply tap your iPhone or Apple Watch near the reader and go. To get started, add an eligible transit card for your location in the Apple Wallet app.

How to add your transit card to Apple Wallet:

Step 01: Open the Apple Wallet app .

Step 02: Tap , then tap Transit Card.

Step 03: Choose a transit card from the list, or search by location or card name.

Step 04: Tap Continue, then enter an amount to load onto the transit card.

If transferring an existing card, tap Transfer Existing Card and enter your card information.

Once your card is added, just hold your iPhone near the reader to pay your fare — no need to unlock your device.

You can also add money to your transit cards anytime directly from your iPhone. It's fast, secure, and easy using your debit or credit cards in Wallet.

See eligible cities here, a list of cities that support Transit in Apple Wallet.

Learn more about using your transit cards with Apple Pay

If contactless payments are accepted, you can pay for your ride with your credit or debit card using Apple Pay without adding a transit card to the Apple Wallet app.

Simply double-click the side button on your iPhone or Apple Watch to authenticate, then hold your device near the reader and pay, just like you would for any Apple Pay purchase. Or in cities where Express Mode is available, you can just tap and go without unlocking your device.

How to add your debit or credit card to Wallet:

Step 01: Open the Apple Wallet app on your iPhone.

Step 02: Tap .

Step 03: Tap Debit or Credit Card, then tap Continue.

Step 04: Hold your iPhone to the middle of the back of your physical card. Keep it in place until the card is read, or tap Enter Card Details Manually.

Step 05: Verify your information with your bank or card issuer. This might include receiving a text, answering security questions, or confirming through your bank's app.

Learn more about using Apple Pay for transit, Apple Support

Express Mode lets you use some of your cards, keys, and passes without waking or unlocking your device, or authenticating with Face ID, Touch ID, or your passcode. This means you can pay for transportation without unlocking your device in cities where Express Mode is available.

Simply hold your iPhone or Apple Watch near the reader and go.

Express Mode may be enabled by default when you add an eligible card, pass, or key to Apple Wallet. You may be able to use your card, pass, or key when your device has no charge. You can view and change which card is set to Express Mode at any time in the Wallet & Apple Pay section of the Settings app.

How to enable and use Express Mode on your iPhone:

Step 01: Open the Apple Wallet app on your iPhone and select a card, pass, or key.

Step 02: Tap , then Card Details.

Step 03: Tap Express Transit Settings or Express Mode.

Step 04: Select your preferred transit card, payment card, or other compatible pass or key.

Now that it's set up, hold the top of your iPhone near the contactless reader. When the transaction is successful, a checkmark and Done appear on your device.