Use Apple Pay for contactless payments on iPhone (2024)

FAQs

How do I use Apple Pay on my iPhone contactless? ›

Apple Pay uses near-field communication (NFC) chips embedded in Apple devices to make contactless payments. The technology can also be used for in-app and online purchases. Unlike contactless card payments, Apple Pay comes with an extra layer of security.

How it benefits you. Apple Pay is easy and works with the Apple devices you use every day. You can make secure contactless purchases above the £100 limit in shops, apps and on the web. It's a safer way to pay, and just as simple as using your plastic card for the next evolution of contactless payments.

It's ready

Right on your iPhone. Apple Pay is built into iPhone, Apple Watch, Mac, and iPad. Start by adding your credit or debit card to the Wallet app on your iPhone, and you'll have the option to add it to your other devices in one easy step. When you want to pay, just double-click, tap, and you're set.

What is the difference between Apple Pay and Apple Wallet? Apple Pay is the safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.

Cons of Apple Pay

Apple Pay is not accepted at all retailers and not compatible with all banks or card issuers. Backup may be required, just in case. Apple Pay only works if your phone does. You may still need to carry a physical credit card as a backup in case your battery dies or you misplace your phone.

Apple Pay is designed with your security and privacy in mind, making it a simpler and more secure way to pay than using your physical credit, debit and prepaid cards. Apple Pay uses security features built in to the hardware and software of your device to help protect your transactions.

You can use your contactless credit card as often as you would any other debit or credit card.

Since you don't need a physical debit/credit card, there's a reduced risk of someone stealing your card(s) or their information. In fact, Apple Pay doesn't use your card number to make a purchase; rather, it uses a token called a “device account number” to complete the transaction.

Does Apple Pay require a PIN? ›

Apple Cash doesn't require a PIN because every payment is authenticated by Face ID, Touch ID, or a secure passcode. There is also no card number, security code, or expiration date for your Apple Cash card.

Key Takeaways. Apple Pay is certainly safer than cash and it has more safety features than credit cards. Some security features, like two-factor identification, are optional. A complicated passcode is still a good idea.

There's no fee from Apple when you use Apple Pay. However, it's worth remembering that you might run into fees when using Apple Pay internationally, which are levied by your own card issuer, rather than Apple.

Do I need an Internet connection to make purchases with Apple Pay®? No, you don't need an Internet connection to use Apple Pay in stores.

Apple Pay allows you to make payments in offline mode (when you're unable to use your data or Wi-Fi), or during a call. Just make sure that you complete the required steps to make an Apple Pay payment.

How do I add a TAP card to my Android phone to use it to tap and pay? In the TAP app, sign in or create a TAP account. In the Cards section, press (“add card” icon) in the top left. Press “Add a TAP Card on Your Phone.”

On an iPhone with Face ID, you can also use AssistiveTouch or use Switch Control to confirm payments with Face ID instead of double-clicking the side button.