How do I use Apple Pay?

You can use Apple Pay to make purchases in stores, on websites, and in apps. It’s widely accepted, simple, safe, secure, and private.

How secure is Apple Pay?

Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode are required for purchases on your iPhone, Apple Watch, Mac, or iPad. Your card number and identity aren’t shared with merchants, and your actual card numbers aren’t stored on your device or on Apple servers. When you pay in stores, neither Apple nor your device will send your actual card number to merchants. When you pay online in Safari or in apps, the merchant will only receive information you authorize to fulfill your order — such as your name, email address, and billing and shipping addresses. When you pay with a debit or credit card, Apple doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

How do I set up Apple Pay?

It’s simple. Just add a credit, debit, or prepaid card to the Wallet app on your iPhone, then choose to add the card to any other Apple devices you want to use with Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad. If you upgrade to a new iPhone, you can automatically transfer your cards to the new device in one easy step.

Which banks support Apple Pay?

Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support Apple Pay here . If your card does not yet support Apple Pay, contact your bank for more information.

Does it cost extra to use Apple Pay?

No. Apple does not charge any fees when you use Apple Pay — in stores, online, or in apps.

Can I use Apple Pay abroad?

Apple Pay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseas usage.

How can my business accept Apple Pay?

If your business already accepts credit and debit cards, simply contact your payment provider to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app, visit Apple Pay for developers.

Does my business need any special equipment to accept Apple Pay?

With Tap to Pay on iPhone, you can use an iPhone to accept contactless payments through an app supported by any of the participating payment service providers . No extra terminal or hardware is required. If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.

How do I let my customers know I accept Apple Pay?

Download the Apple Pay mark to use within email, on your terminal screen, on your website, and in your app. You can also order Apple Pay decals to put on your storefront window and register.

What’s the difference between Apple Cash and Apple Pay?

Apple Cash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay. Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.

Apple Pay

Here to pay.

Apple Pay replaces your physical cards and cash with an easier, safer, more private and secure payment method. Use it online, in apps, and in stores. It’s the simple way to pay every day.

Add a card

Set up Apple Pay in seconds. Learn how

Faster and easier
than

using cards
or cash.

Privacy and security
built in.

Accepted on millions
of websites and apps.

It’s ready
and set.
Just go.

Setup in seconds. Apple Pay is simple to set up. Just add your credit or debit card to the Wallet app on your iPhone and you’re ready to go. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points or miles.

How to set up Apple Pay

Apple Pay is already on your device. Apple Pay is built into iPhone, Apple Watch, Mac, and iPad. No separate app to download. No complicated processes to complete. No hassles.

Use Apple Cash with Apple Pay. Apple Cash is a digital card that lives in Wallet — it stores the cash you receive or want to send.¹ You can send money right in Wallet or Messages — pay your squad for brunch or chip in for a coworker’s gift. You can also spend it in stores, in apps, or online with Apple Pay.

Easy.
Does it all.

Grab from the
corner cafe. Load
up your app.
Order a new online.
Have delivered.

Subscribe to .
Get

from a
vending machine.

And from the

supermarket.
Just look

for
or when
you check out.

At stores and more. Apple Pay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you’re not sure, just ask. Apple Pay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subway stations.

How to pay in stores with iPhone

In apps and online. Use Apple Pay for purchases in Safari on your iPhone, iPad, or Mac. You can skip the lengthy checkout forms and pay with just a touch or a glance. Or use Apple Pay to subscribe to services like Apple Music, Apple News+, and Apple TV+, buy apps and games on the App Store, and upgrade your iCloud storage.

How to pay online using Touch ID

Safe and
sound.

And secure.

Personal data. Protected. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple with merchants. If you prefer not to share your email address with merchants when paying online, you can use Hide My Email to generate unique, random email addresses that automatically forward to your personal inbox.

Your purchases stay private. When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

Tap more. Touch less. Apple Pay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. Every purchase requires Face ID, Touch ID, or a passcode — helping to keep your security in your hands.

Get started
with
Apple Pay.

Questions? Answers.

You can use Apple Pay to make purchases in stores, on websites, and in apps. It’s widely accepted, simple, safe, secure, and private.
Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode is required for purchases on your iPhone, Apple Watch, Mac, or iPad. Your card number and identity aren’t shared with merchants, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device will send your actual card number to merchants. When you pay online in Safari or in apps, the merchant will only receive information you authorize to fulfill your order — such as your name, email address, and billing and shipping addresses.

When you pay with a debit or credit card, Apple doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.
- Learn more about Apple Pay security and privacy
It’s simple. Just add a credit, debit, or prepaid card to the Wallet app on your iPhone, then choose to add the card to any other Apple devices you want to use with Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad. If you upgrade to a new iPhone, you can automatically transfer your cards to the new device in one easy step.
- Add a card
Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support Apple Pay here. If your card does not yet support Apple Pay, contact your bank for more information.
No. Apple does not charge any fees when you use Apple Pay — in stores, online, or in apps.
Apple Pay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseas usage.
If your business already accepts credit and debit cards, simply contact your payment provider
to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app,
visit Apple Pay for developers.
With Tap to Pay on iPhone, you can use an iPhone to accept contactless payments through an app supported by any of the participating payment service providers. No extra terminal or hardware is required.² If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.
Download the Apple Pay mark to use within email, on your terminal screen, on your website, and in your app. You can also order Apple Pay decals to put on your storefront window and register.
Apple Cash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay.

Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.