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How to use Apple Pay

Apple Pay is that simple system that turns your iPhone, for instance, into a digital wallet, making card payments so simple you dont even need to take your actual wallet out of your pocket or bag.

But while the Apple payment mechanism quickly becomes second nature, there can be a learning curve, and sometimes its steep enough for people, after an initial misstep, to turn away from it. Thats a shame, because Apple Pay is brilliant: straightforward, intuitive and secure. Heres everything you need to know.

Payment Methods That You Can Use With Your Apple Id

To buy apps from the App Store, use Apple subscriptions like iCloud+ and Apple Music, or buy other media from Apple, you need an Apple ID and a valid payment method. See what forms of payment are accepted in your country or region.

If you can’t make purchases or update apps, including free apps, you need to update your payment method or add a new one. If you already verified that a payment method is available in your country or region and you’re still having trouble, contact your financial institution.

Pay With Your iPhone: How To Set Up And Use Apple Pay

With Apple Pay, you can purchase items online and at physical retailers like Target or McDonald’s via your iPhone, iPad, Apple Watch, and Mac. Heres how it works.

Whether youre shopping at your favorite online store or buying items at a brick-and-mortar merchant like Target or McDonald’s, paying with your phone is often easier and quicker than digging around for a credit card or the right amount of cash. Thats why mobile payment apps have increasingly caught on with consumers.

Apple Pay is the default payment method for iPhone, iPad, Apple Watch, and Mac owners. By connecting a credit or debit card through the app, your iPhone or Apple Watch can be used to pay for items at physical stores and at online retailers. You can also use your iPad or Mac to buy items at supported websites. Authenticate the purchase using Face ID, Touch ID, or a PIN, and the funds are taken from your account.

To use Apple Pay, you will need a compatible device and operating system version. For instance, you only need iOS 8.1 to use the app, but if you also want Apple Cash to send and receive money from people, you need iOS 15.5 or higher. Here’s how to set up Apple Pay on all your devices.

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How To Use Apple Pay On A Mac

Apple Pay not only works in the physical world, but also works with the Safari web browser and apps on the Mac, so you can use it to buy stuff online. You just need a Mac with a Touch ID fingerprint reader or a model introduced after 2012, and an iPhone or Apple Watch that’s set up with Apple Pay. You can add cards on your Mac by doing this:

  • Open System Preferences from the top-left menu.
  • Select “Wallet & Apple Pay.”
  • Choose “Add Card.”
  • Select one of the cards you’ve already set up on your iPhone and confirm the CCV
  • Agree to the terms.

When you’re checking out on a website that accepts Apple Pay, just select that option and choose the card you want to use. You’ll verify yourself using either the fingerprint reader on your Mac or using an Apple Watch or iPhone. Just double tap the side button on your iPhone X or later with Face ID, touch the Touch ID home button on an iPhone 8 or earlier, or double tap the side button of your Apple Watch to confirm.

How To Change The Default Card For Apple Pay On Your Mac Or iPad

How to Set up an Apple Cash Card on iPhone and iPad
  • On your device, open Apple Wallet settings.
  • On your Mac with Touch ID, go to System Preferences > Wallet & Apple Pay.
  • On your iPad, go to Settings > Wallet & Apple Pay.
  • Select a new default card.
  • On your Mac with Touch ID, choose a card from the menu.
  • On your iPad, scroll down to Transaction Defaults > tap Default Card and choose a card.
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    The Simplicity Of Applein A Credit Card

    With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees1 and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score.2 Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security. And with every purchase you get Daily Cash back. Apple Card. Its everything a credit card should be.

    Which Apps Support Apple Pay

    Numerous apps support Apple Pay, spanning travel apps, shopping apps, entertainment apps and service apps.

    Here are just a few of the apps that support Apple Pay: Adidas, Bloom & Wild, Starbucks, Deliveroo, Apple Store, Topshop, Zara, ASOS, Uber, British Airways,, Emirates, StubHub, DesignMyNight,

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    Apple Pay On Apple Watch

    This works exactly like the iPhone: double-press the side button and hold the Watch, screen down, next to the card reader. Note that you dont need to look at the Watch, its authorized by the fact that youre wearing it, not via Face ID, which isnt on the Watch. It works just the same for Apple Pay Express Transit, that is, once youve picked which card, you dont need to press the side button, itll all work automatically.

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    Biometrics are expected to play a much more significant role in making payments.


    Will Biometrics Be the Future of Payments?

    Tech companies Apple and Google, major influencers of consumer behavior, have done the heavy-lifting when it comes to biometrics acceptance. Their tech tools and ubiquitous smartphones have primed consumers to use their fingerprints or faces to access their devices. In addition, user IDs, PINs and passwords have become a friction-filled headache for many. Consumers whove grown weary of the need for unique passwords may increasingly view biometrics as a welcome change. As the pandemic prompted a shift toward contactless, payments players want to make transactions as frictionless and quick as possible, both to increase volumes and please customers. Tapping biometrics takes that a step further, proponents say, with ease of use and security both necessities in the digital age.

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    Are There Any Limits Or Restrictions On Apple Pay Purchases

    The same daily transaction limits from your card apply to Apple Pay.

    For purchases over $100 at supported merchants, you may not be required to enter a PIN as your purchase has already been authenticated through Face ID or Touch ID.

    If you have set any blocks or card controls in the NAB app, these will also apply to your card in Apple Pay.

    How To Pay Using Apple Pay Online Or Within Apps

    You can use Apple Pay to pay online in Safari2,3 or within apps when you see Apple Pay as a payment option.

  • Tap the Apple Pay button or choose Apple Pay as your payment method.
  • To pay with a different card, tap the Next button or the Expand Menu button next to your default card.
  • If necessary, enter your billing, shipping, and contact information. Apple Pay stores that information, so you won’t need to enter it again.
  • Confirm the payment.
  • iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
  • iPhone or iPad without Face ID: Use Touch ID or your passcode.
  • Apple Watch: Double-click the side button.
  • Mac with Touch ID: Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen.
  • Mac without Touch ID: Confirm the payment on your Bluetooth-connected iPhone or Apple Watch. Make sure that you’re signed in with the same Apple ID on all devices.
  • When your payment is successful, you’ll see Done and a checkmark on the screen.
  • In addition to accepting Apple Pay, the merchant must accept your payment card and payment network.
  • In China mainland, you can use Apple Pay on the web in Safari only on a compatible iPhone and iPad with the latest version of iOS or iPadOS.
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    Add A Card To Your Device

    You’ll need to have Apple iOS 8.3 or later installed on your device.

    To add a card, you’ll need to:

    • open the Apple Wallet and press ‘+’
    • select ‘Add credit or debit card’
    • choose from either ‘Use card on file for iTunes’ or ‘Use a different credit or debit card’
    • enter your card details into the next screen, or use your phone’s camera to scan the card
    • enter the 3-digit security number found on the back of your card
    • read and accept the terms and conditions
    • you’ll need a 6-digit verification code to complete the next stage. Let us know if you want to receive this by text or email
    • enter the 6-digit verification code we send to you
    • your set up is complete.

    We’ll never share the contact information you’ve given us with third parties, including Apple.

    Hsbc Uk Mobile Banking App

    How to Set Up and Use Apple Pay on an iPhone

    Add your cards to Apple Pay directly from the HSBC UK Mobile Banking app. Make sure you have the latest version of the app. Simply log in with your Digital Secure Key, go to Manage cards and swipe to select your eligible card. Then click on the Add to Apple Wallet button and follow the instructions to complete adding your card to the Apple Wallet.

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    How To Add A Card For Apple Pay On Your iPhone

    The easiest way of adding a new card, or onethat was previously added, to Apple Pay is by using your iPhone.

    To add a new card on your iPhone:

  • Open the Wallet app
  • Tap Debit or Credit Card
  • Scan the card with your phones camera or add the info manually
  • Verify the card via email or text message
  • You now have the option to also add the card to your paired Apple Watch
  • To add a previously added card on youriPhone:

  • Open the Wallet app
  • Choose the card or cards you want to add
  • Follow the steps to add your card
  • Once youve added a card to Apple Pay, you can start using it straight away.

    READ ALSO: How to Verify Cash App Card for Apple Pay

    If Your Device Is Lost Or Stolen

    If your device is lost or stolen, Apple Pay has security features to make sure that other people can’t use Apple Pay on your device.

    • To use Apple Pay, you need to authorize each purchase with Face ID, Touch ID, or your passcode.
    • On your Apple Watch with Wrist Detection on, you need to enter your passcode every time you put on your Apple Watch.
    • You can , which automatically turns off Apple Pay on your device.
    • You can also call your card issuer to suspend or remove cards from Apple Pay.

    Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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    How To Use Apple Pay On Your iPhone

    The iPhone is the best starting point for using Apple Pay, since it’s the device you’ll use to tap-and-pay at retailers around the world. To get started:

    • Open the Wallet app on your iPhone.
    • Tap the “+” button on the top-right to add a card.
    • Tap “Continue.”
    • Grab the credit or debit card you want to associate with Apple Pay.
    • Position your iPhone’s camera to focus on card number .
    • Your iPhone will pull in the card number written on your card.
    • Confirm the details are right and tap “Next.”
    • Enter in your card’s 3-digit or 4-digit CVV number .
    • Agree to your bank or credit card’s terms of service.
    • Repeat these steps to add additional cards.

    Now you’ll see the card in the Wallet app on your iPhone.

    How To Update Your Apple Pay Contact Information

    iPhone 13/13 Pro: How to Add/Remove Debit or Credit Card to Apple Wallet/Pay
    • iPhone: Go to Settings > Wallet & Apple Pay > scroll down to Transaction Defaults and update your shipping address, email, and phone number.
    • Apple Watch: In the Apple Watch app on your iPhone, tap Wallet & Apple Pay > scroll down to Transaction Defaults and update your shipping address, email, and phone number.
    • iPad: Go to Settings > Wallet & Apple Pay > scroll down to Transaction Defaults and update your shipping address, email, and phone number.
    • Mac with Touch ID: In System Preferences, go to Wallet & Apple Pay > Click Contact and Shipping, and update your shipping address, email, and phone number.

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    Accept Card Payments On iPhone Devices

    When it comes to Apple products, consumers are comfortable and familiar because of the companys credibility. From a business perspective, iOS is stable and secure. This is especially important when collecting sensitive payment information from your customers, with data security and consumer trust essential.

    How To Apply For Apple Card On Your iPhone

  • Open the Wallet app
  • Tap Get a Titanium Apple Card
  • Follow the instructions on your screen.
  • Perhaps the most intriguing part of Apples take on credit cards is that it has NO fees.There are no annual or membership fees, no over the limit fees, no foreign transaction fees, and no late fees.

    However, you need to know that late or missed payments will result in further interest accumulating toward your balance. They are also working towards having the lowest interest rates in the credit card industry.

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    What If I Lose My Device

    • Your devices Wallet is still secured with Face ID, Touch ID, or your passcode.
    • You can remotely lock, locate, and track your device using Find my iPhone.
    • You can also log into your Apple ID remotely and remove all cards from Apple Pay.

    If you still cant locate your device, please call NAB:

    • Personal customers: from 9am – 7pm Mon – Fri, 7am – 6pm Sat or 9am – 6pm Sun or if youre overseas
    • Business customers: from 8am – 8pm Mon – Fri, or 9am – 6pm on weekends or if youre overseas

    How To Use Apple Pay To Buy Stuff With Your iPhone

    How to Set Up Apple Pay and Add Credit Cards

    Now that you’ve set up Apple Pay on your iPhone, it’s time to use it. If you walk into a shop that accepts mobile payments, you’ll see logos that show if Apple Pay is accepted.

    You’re looking for these symbols:

    Here’s what to do when you’re ready to buy something:

    • If you have a newer iPhone with Face ID , just double tap the power button on the side of the phone and your cards will appear.
    • If you have a phone with a home button, open the Wallet app and bring up the card, then hold your finger on Touch ID to verify yourself.
    • Bring your iPhone close to the contactless terminal.

    I’ve found most retailers are happy to help if you get confused. Even if you don’t see a sign, you can always ask if they accept Apple Pay. You’ll probably be surprised how many retailers accept it.

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    Add An Apple Pay Card

    Apple Card, the company’s own credit card, can also be added to Apple Pay and . From the Wallet app, tap the plus button, then choose Apply for Apple Card and tap Continue. Confirm your name and phone number, then enter your date of birth and confirm your address.

    You must then verify your identity by typing the last four digits of your Social Security number. Tap Next, then enter your yearly income. Tap Next, review the terms and conditions for the Apple Card, and tap Agree.

    If youre approved, you should see a screen with your credit limit, APR, and fees. To get the card, tap Accept Apple Card. If you want to set Apple Card as your default payment option for your Wallet, Apple Watch, Safari, Apple ID, and Apple Pay tap Set as Preferred Card.

    You are also given the option to receive the physical titanium Apple Card to use at merchants that dont accept Apple Pay. Tap Continue to get the card, then review your address and tap Confirm.

    You should then see the activity screen for your Apple Card, which will be populated with a balance and activity after you start using the card.

    Can I Use Wallet Payments Outside The Uk

    Yes, you can use wallet payments in the same way you would a standard debit or credit card. You may be charged processing fees by other banks, overseas charges, and currency conversion charges too. Find out more about The Co-operative Bank’s card charges outside the UK.

    Not found what you’re looking for?

    Contact our support team

    The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority .

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