How to make a payment with apple pay

Q: How do I tap my iPhone to pay?

For a merchant to start using Tap to Pay on iPhone, theyll simply need to download a supported payment app from the App Store, accept the terms and conditions on their device, and enable their device to be configured. They can then start accepting payments immediately.

In an iMessage conversation, tap
, then enter the amount.
Índice Show
Tip: If there’s an underlined monetary amount in a message, tap it to preset the payment.
Tap Pay, then add a comment (optional).
To complete the payment, tap
, then authenticate the payment with Face ID, Touch ID, or your passcode. If you don’t have sufficient funds in Apple Cash, you can pay the balance using your debit card in Wallet.

You can cancel a payment that hasn’t been accepted. Tap the payment bubble, then tap Cancel Payment.

To send payments using Wallet, see Send or request payments with Apple Cash.

Apple Pay Makes Going Cashless Easy for US Customers Starting Today

Apple Pay makes sending and receiving money with friends and family as simple as sending a message.

Beginning today, Apple customers in the US can use Apple Pay to send and receive money with friends and family quickly, easily and securely. Whether splitting a bill, paying someone back or sending a last-minute gift,Apple Pay makes it easy to pay and get paid, right in Messages.

Apple Watch users can now simply ask Siri to pay someone.

Apple Pay is now the simplest and most convenient way to make person to person payments on iPhone, iPad and Apple Watch. Apple customers already use iMessage to communicate with friends and family, and now they can get paid right within those everyday conversations, or by just asking Siri to pay someone. They can use the debit and credit cards they already have added to Apple Pay, so there’s no need to install an app or create yet another account.

There’s no need to install an app or create a new account to send and receive money with Apple Pay.

When users get paid, the money they receive is added to their new Apple Pay Cash card that lives in the Wallet app. They can use the money instantly1 to pay someone or make purchases using Apple Pay in stores, apps and on the web. They can also choose to transfer it from Apple Pay Cash to their bank account.

Apple Pay Cash can be used to make quick and secure purchases in stores, apps and on the web.

iOS 11.2 is available now as a free update and is required to make person to person payments and use Apple Pay Cash on iPhone and iPad. Customers who have already updated to iOS 11.2 can simply restart their devices to begin sending and receiving money with friends and family and using Apple Pay Cash. watchOS 4.2 will be available as a free update and is required to send and receive money and use Apple Pay Cash on any Apple Watch model.

Apple customers who don’t already have Apple Pay set up on their supported device can still receive money from friends and family without needing to install a new app or add a card to Wallet. When new users receive money for the first time, it's simply added to their new Apple Pay Cash card once they accept the terms.

Users can also view their transaction history, including person to person payments as well as purchases they’ve made in stores, apps and on the web with Apple Pay Cash, right in Wallet.

Security and privacy is fundamental to the design of all Apple hardware, software and services. Sending and receiving money from friends and family is now secure, faster and more convenient than ever with Apple Pay. Each person to person payment and purchase made with Apple Pay Cash is authenticated with Face ID on iPhone X, Touch ID on other iPhone and iPad models or a secure passcode on Apple Watch.

Availability

Person to person payments and Apple Pay Cash are available in the US on iPhone SE, iPhone 6 and later, Apple Watch, iPad Pro, iPad (5th Generation), iPad Air 2 and iPad mini 3 or later.

Images of Apple Pay person to person payments

1 Account security checks may require additional time to make funds available.

Here to pay.

Apple Pay is the one way to pay. It replaces your
physical cards
and cash with an easier, safer, more
secure, and private payment method — whether you’re
in a store, online, or sending cash to friends or family.
It’s money, made modern.

Add a card

Faster and easier than using cards or cash.

Privacy and security built in.

Accepted on millions of websites and apps.

Checkout is easier online with Apple Pay.

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 add a card

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.

Learn more about Apple Cash
How to send money

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.

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.

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.

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. So you keep your hands clean and are less likely to pick up — and spread — germs.

Get started with Apple Pay.

Add a card

Questions? Answers.

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.
- 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. And remember to add your cards to any other Apple devices you want to use with Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad.
- 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.
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.

Wallet

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

Learn more

Apple Card

The credit card reimagined —
with no fees, unlimited Daily Cash

back, and helpful financial tools.3

Learn more

Apple Cash

Use it to send and receive

money, and spend wherever

Apple Pay is accepted.

Learn more

Set up Apple Pay on your Apple device.

Open the Wallet app
and tap to add a card.

Open the Apple Watch
app on your iPhone,
tap Wallet & Apple Pay,
and then tap Add Card.

Go to Settings
Wallet & Apple Pay
and tap Add Card.

On models with Touch ID,
go to System Preferences
Wallet & Apple Pay and
tap Add Card.

For more information, visit the
Apple Pay setup support page.

How do you pay with Apple Pay?

Use Apple Pay for contactless payments on iPhone.

Double-click the side button..

When your default card appears, glance at iPhone to authenticate with Face ID, or enter your passcode..

Hold the top of your iPhone near the card reader until you see Done and a checkmark on the screen..

Can I pay for something online with Apple Pay?

You can make purchases using Apple Pay in apps, in App Clips, and on the web using Safari wherever you see the Apple Pay button.

How do I tap my iPhone to pay?

For a merchant to start using Tap to Pay on iPhone, they'll simply need to download a supported payment app from the App Store, accept the terms and conditions on their device, and enable their device to be configured. They can then start accepting payments immediately.