In our current world, the fast-changing financial landscape allows digital payment systems to become a possible alternative to the traditional transaction process. While there are many other payment methods to use in today’s digital world, Apple Pay is one method that promises a convenient payment strategy, both online and offline. This is why knowing how to use Apple Pay may be important to you.
It is a mobile payment app and digital wallet service that was developed by Apple Inc. to enable iPhone, iPad, or Apple Watch users to make payments through their devices. It uses contactless technology to ensure the convenience and security of transactions—both online and in stores. It has become the go-to option for many iPhone users when paying online and in stores. You need to know how to use Apple Pay, and it’s quite easy to learn.
In fact, it’s simple to get started with Apple Pay. All you have to do is just enter your credit or debit card number into your Wallet app. Once you are done with setting it up, you can use it for contactless checkout at most retailers with your iPhone or even your Apple Watch. You can also use it for checkout at the many online stores that accept Apple Pay.
In this article, we are set to take you on an interesting journey on discovering how to use Apple Pay.
How to use Apple pay online and in Stores
Below are steps that can guide you on how to use Apple pay online and even in stores.
1. Set up Apple Pay in your iPhone/Apple device Wallet app
Before you even think of using Apple Pay as your contactless payment form, you need to set it up first, by adding your credit or debit cards to your iPhone, iPad, or Apple watch. You can set up Apple Pay from your iPhone’s settings or simply by going to your apple device Wallet app and adding your cards there. This is the first step you need to take on how to use Apple Pay
2. Tap on the Add (+) Card button and enter Apple Pay info
The next step to take is, from the Wallet app, tap on the + (plus) sign at the top right of your screen to add a card. Then, it’s left for you to choose the type of card you want to add; if it’s a payment method, you can select either Debit or Credit Card.
You might see other options like drivers license, state IDs, or transit cards; those options are limited to just people in the US.
The next step is, you’ll be asked to position your card in the frame provided to scan it. Or, you can choose to select Enter Card Details Manually to enter your card information and edit your settings, just like choosing a default payment card. A message would be sent to your bank to verify that your payment information is valid, and that is it, you are then ready to use Apple Pay on your iPhone, once this step is completed. Verifying your information with your bank doesn’t take more than just a few minutes to be done.
3. Double-click the right-side button of your iPhone, during Check-out
When it’s time to pay at the checkout counter, double-clicking the button on the right side of your iPhone brings up your available cards to use in Apple Pay and you can then choose your preferred payment card when the Wallet comes up.
4. Use Face ID or You Enter your Apple Pay passcode for Payment
After you’ve selected the payment card of your choice on your iPhone’s wallet, you’ll be prompted to enter your passcode/password or use Face ID to authorize and pay for your purchase using Apple Pay.
5. Hold Your iPhone Close to the Payment terminal
Entering your passcode authenticates your payment, so all you need to do next is hold your phone within about an inch of the card reader to process the transaction.
Note: The payment with Apple pay may not work if the payment terminal does not accept contactless payments via NFC (stands for near-field communication). It’s a technology that employs magnetic field induction to allow wireless communication between two electronic devices at a short range, typically less than 4 centimeters or 1.5 inches.
How to use Apple Pay online or in apps
Now let’s see how to use Apple pay online or in apps. You can also use Apple Pay to pay online or in apps.
1. First off, Tap the Apple Pay button or choose Apple Pay as your payment method.
2. Tap Other Cards & Pay Later Options or Change Payment Method to change your default card, to pay with a different card.
3. If you dim it necessary, enter your billing, shipping, and contact information. Apple Pay stores that information, so you won’t need to enter it again.
4. Then you confirm the payment. To confirm payments:
- For iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
- For iPhone or iPad without Face ID: Use Touch ID or your passcode.
- For Apple Vision Pro: Use Optic ID or your passcode.
- For Apple Watch: Double-click the side button.
- For MacBook with Touch ID: Place your finger on Touch ID.
- For MacBook without Touch ID: You can confirm the payment on your Bluetooth-connected iPhone or Apple Watch. Make sure that you’re signed in to the same Apple Account on all devices.
5. When your payment is successful, you’ll see Done and a checkmark on the screen.
How to use Apple Pay online with third-party browsers
You can use Apple Pay to pay online using third-party browsers (Google Chrome, Opera Mini, e.t.c.) on Mac, PC, and other devices by scanning a code with your iPhone or iPad.
1. When using a third-party browser, tap the Apple Pay button or choose Apple Pay as your payment method. A code will appear on the webpage.
2. You then use your iPhone or iPad camera to scan the code on the third-party browser webpage you are using.
3. Just as stated before in the previous steps, if you dim it necessary, enter your billing, shipping, and contact information. Apple Pay stores that information, so you won’t need to enter it again. Well, it’s your choice to make.
4. After that, you then confirm the payment.
- For iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
- For iPhone or iPad without Face ID: Use Touch ID or your passcode.
5. When your payment is successful, you’ll see Done and a checkmark on the screen. It’s similar to the other steps above.
The steps on how to use Apple Pay are not difficult; it’s just for you to note these steps and then, off you are using it smoothly.
Is Apple Pay Safe?
Using Apple Pay at checkout is more secure than swiping or inserting your card. It works by ensuring your credit or debit card number and information are encrypted and never shared with the merchant when you check out. The awesome thing is that a new code is created each time you pay somewhere that accepts Apple Pay, making your financial data safer from being cloned or stolen.
It uses safety features in both the hardware and software of your device, and you’ll need to sign in to your phone with a passcode or biometrics to make a payment. Your card details are encrypted and held securely, so even Apple can’t access them—and they’re never passed on to the person you’re paying to.
The Devices that work with Apple Pay
You can use Apple Pay with the following devices:
- iPhones with Face ID and most iPhones with Touch ID
- iPads with Face ID or Touch ID
- Apple Watches
- Macs with Touch ID
- 2012 or later Macs with a linked iPhone or Watch
- Some Macs when paired with a Magic Keyboard.
Since Apple Pay is linked with Apple products, devices like iPhone, iPads, Apple watches, MacBooksand the rest of Apple devices can actually use Apple Pay in it.
Final Words
As our world is fast changing, so is our financial system, exploring different digital means to make transactions.
Apple Pay is one method that promises a convenient payment strategy, both online and offline. Its major advantage is that it is super convenient—you can pay with just your phone or watch when you’re out and about and shop online without needing to enter your card and shipping details every time.