How to set-up Apple pay on your iPhone

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One of the most exciting new features Apple added to the iPhone lineup was the introduction of Apple Pay.  You can use your iPhone at an expanding number of retailers for payments of goods and services, as well as within some apps.  Apple Pay has developed very quickly since it was first introduced in October 2014. It is now accepted in over a million stores and counting. With that in mind, it’s important to know how to set-up Apple Pay as quickly and easily as possible so you can start taking advantage of the most convenient way to checkout at your favorite establishments.

What you need to get started

In order to be able to use Apple Pay on your iPhone in the US you need the following to get started…

  • iPhone 6 or iPhone 6 Plus and later (Apple Pay in stores and within apps)
  • iOS 8.1 or later
  • Touch ID or passcode on your device
  • An Apple ID signed in to iCloud
  • Supported card from a participating bank or store
  • You can also add a rewards card to use with Apple Pay

You can also use Apple Pay in the UK if you are on iOS 8.3 or later.  In addition, if you have an American Express card that is not bank issued, you can also use Apple Pay in Canada and Australia if you are on iOS 9 or later.


How to add a Credit or Debit card to Apple Pay

Apple Pay’s list of accepted credit and debit cards has already surpassed 850 different banks–and the list is growing by the week. With so many options already available, you’re almost guaranteed to have one or more of your credit or debit cards participating.


There are two different manners in which you can add a card to Apple Pay–either straight from the Apple Wallet App, or via Settings–> Wallet & Apple Pay. After launching the Wallet App, you can add a debit or credit card by selecting the (+) in the upper right corner of the Apple Pay section. After launching the Settings App–> Wallet & Apple Pay you add a card by tapping on Add Credit or Debit Card before you are presented with the same screen as you with the Wallet App.  Form there the process is exactly the same.


You can add the card you already have on file in iTunes or the App Store simply by entering your 3-digit security code. To add a different or new card, you have two options.  You can use your iPhone’s camera to capture the card info, or enter it manually.  Both options are very easy and self-explanatory.  Using the camera is much quicker, and  helps eliminate errors that might occur by entering the info manually.


Some banks might ask you to verify your card, by entering a code sent by text, email or phone. Once verified, if needed, you’re all set, and ready to start using Apple Pay at your favorite establishments.

Using  Apple Pay to make a purchase

To use Apple Pay to make a purchase, open the Wallet App, select your credit card, if you have more than one stored in the App, and place your finger on the Touch ID button.  Pay with Touch ID will appear on the screen with a follow-up message to Hold Near Reader to Pay. You can also allow access to Apple Pay when your iPhone is locked by choosing that option in Settings–> Wallet & Apple Pay. With this feature activated, you can double-click the Home button while your iPhone screen is locked, and already have your finger on Touch ID ready to use at the Credit Card terminal.

Apple Pay and Security

In case you weren’t already aware, security is a _big_ deal with Apple. This mentality carries through with Apple Pay, too.  None of your transaction information is saved or kept on file. All your payments and details of your transactions are kept private. For your convenience, your most recent purchases are kept in the Wallet App.  In addition, the retailer your purchases are made at don’t see your credit or debit card info either, since all they see is you pressing your finger on your iPhone while you move it closer to the terminal.


Your iPhone and Apple Pay work because they are linked to Touch ID and your fingerprint.  However, if you have ever found that your iPhone is lost or stolen, you can still add piece of mind via iCloud.  After logging on from any browser, you can put your iPhone in Lost Mode or wipe it completely clean to suspend Apple Pay.  Furthermore, you can also go to the Settings Apps within iCloud to remove credit card from your Apple Pay account.


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