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How do I Use Apple Pay? (Processes to Make Payment)

With contactless choices becoming the norm in everything from delivery to pickups to payments, Apple Pay has become the preferred payment method for many iPhone owners. However, learning how to use Apple Pay is probably much easier than you think. Read through to know how do I use Apple Pay.

How do I use Apple Pay?

How to Use Apple Pay

If you’re on an iPhone, This is the quickest method to get started with contactless payments. The digital wallet service is not only free to use, but it is also already embedded into your phone.

Apple Pay works by allowing you to add a digital debit or credit card to the Wallet app. After you’ve set it up, you can use Apple Pay to make purchases online, in apps, and in-person without carrying physical credit cards, cash, or a separate wallet.

 It can now be used to send money to friends and family using the Messages app. Apple Pay can also be used to substitute a transit pass for public transportation in select areas.

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Using Apple Pay

Before you start taking out your phone to pay, you should spend some time configuring your settings. If you have more than one card in the Wallet app, you should choose which one is your primary card.

 You must also enable the Apple Cash card in order to give and receive money in the Messages app.

Apple Pay also requires two-factor authentication by default, which is why you must enable a passcode on the Watch or have a device that supports Touch or Face ID. However, if you choose to avoid this, you can designate an Express Transit Card.

Steps You Should Take

On the iPhone, Apple Watch, and iPad, go to Settings > Wallet & Apple Pay to access these choices. Go to System Preferences > Wallet & Apple Pay on the Mac.

Apple Pay can be used in a variety of ways, although the majority of customers will most likely use the service on their iPhones or Apple Watches. You’re set to go as long as you see these icons where you wish to use Apple Pay.

How Do I Use Apple Pay? (Process To Make Payment)

Pay Using iPhone or Apple watch

To pay with Face ID on an iPhone, double-click the side button. The default card will then appear, and the phone will attempt to authenticate you using Face ID. If it cannot, you will be prompted to enter your passcode.

The procedure is the same as with Touch ID phones, except that you will authenticate by placing your finger on the Touch ID button.

On the Apple Watch, you may also bring up your preferred card by double-clicking the side button. After that, hold your phone or Watch over the contactless payment reader.

To purchase something in an app or from a website in Safari, simply click the Apple Pay button at the checkout.

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Send Money With Message

To send money via the Messages app, you and the recipient must be in the United States and have the Apple Cash card enabled. On your iPhone, navigate to Settings > Wallet & Apple Pay > Apple Cash.

After that, you can fund the card by linking your bank account. Any remaining balance on your card can also be transferred back to your bank.

After you’ve set up Apple Cash, all you have to do is tap the Apple Pay or Apple Cash icon in an iMessage discussion. You will then be invited to specify an amount and can request or transmit payment.

Frequently Asked Questions

1. How Do I Pay With my iPhone Wallet?

Double-click the side button. When your default card appears, glance at iPhone to authenticate with Face ID, or enter your passcode. Position the top of iPhone within a few centimeters of the contactless reader until you see Done and a checkmark on the screen.


2. Do I Need to Open Wallet to Use Apple Pay?

A receipt is recorded in the Wallet app so you can see what your latest transactions. There’s no need to open an app or wake your iPhone’s display to launch Apple Pay, no matter which iPhone model you have.


3. How Do I Pay with My Phone at a Store?

First, set up your phone to use Apple Pay, Google Pay or Samsung Pay. Think of it like a digital wallet in your phone that replaces your physical wallet.


4. How Do I Use My Phone Instead of my Credit Card

Instead of having to dig a credit card out of your wallet, you can simply unlock your phone and hold it over the contactless credit card reader.


5. Can You use Apple Pay at Gas Stations?

As more people are using contactless payment, many gas stations are including Apple Pay as a method of payment.


6. What Stores Accept Apple Pay?

Best Buy, B&H Photo, Bloomingdales, Chevron, Disney, Dunkin Donuts, GameStop, Jamba Juice, Kohl’s, Lucky, McDonald’s, Office Depot, Petco, Sprouts, Staples, KFC, Trader Joe’s, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Publix, Taco Bell, and 7-11.


7. Can I Use Apple Pay at an ATM?

Apple Pay is accepted at most cardless ATMs including Wells Fargo, Chase and Bank of America. 


According to Statista, 507 million people worldwide use Apple Pay. According to data, consumer use of mobile payment apps is only increasing. Apple Pay is a modern, secure, efficient, and hygienic way to take payments in the post-COVID era.

While Apple Pay has several small drawbacks, none of them are really noteworthy. Rather, they apply to all mobile payment technologies.

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