How to Use Apple Pay

Available since 2014, Apple Pay is an easy way to pay for purchases online or in-store, send and receive money and — bonus! — you’ll feel like you’re in “Blade Runner” whenever you make a purchase. Apple Pay is pretty straightforward to set up, available on all of your Apple devices and can be much more secure than paying with a traditional credit or debit card. You can even send money to family and friends with no fees.

What Is Apple Pay?

Apple Pay is Apple’s mobile payment and digital wallet service that allows you to pay for purchases both in person and online using your iPhone, Apple Watch, iPad or Mac computer. Launched just after the iPhone 6, Apple Pay has enabled users to replace their physical debit and credit cards and pay at any terminal that supports contactless payments.

Through Apple Pay, you can also use Apple Cash to send or receive money and — coming later in 2022 — Apple Pay Latera buy now, pay later option.

To use Apple Pay, you’ll need an iPhone 6 or newer with iOS 8.1 or later installed. An Apple Watch — series 3 or newer — can also be used with Apple Pay. Certain Macs and iPads can also utilize Apple Pay for online transactions . Check out Apple’s website for the full list of supported devices.

Pro Tip

Before setting up Apple Pay, be sure your device has updated to the latest edition of its software. You can find update guides via Apple Support for upgrading your iPhone, iPad, Apple Watch or Mac.

Is Apple Pay Safe?

Apple Pay is an incredibly safe way to pay for purchases because it uses built-in security features to ensure your data stays secure. For starters, Apple doesn’t store or have access to your original card numbers. Any information Apple does store on its servers is securely encrypted and can only be unlocked using a security key that only your payment network can access.

Instead of storing your card information, Apple Pay assigns a device account number when you add a card…



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