Apple Pay Tips

500px-Apple_Pay_logo.svgSet up and use Apple Pay

Setup is simple. Get started by adding the credit or debit card on file from your iTunes account to Passbook by simply entering the card security code.

Set up Apple Pay

You can start using Apple Pay as soon as you add a credit or debit card to Passbook. Here’s what you need to get started:

  • iPhone 6 or iPhone 6 Plus (Apple Pay in stores and within apps)
  • iPad Air 2 or iPad mini 3 (Apple Pay within apps)
  • iOS 8.1 or later
  • United States as your selected region
  • Touch ID or passcode on your device
  • iCloud account
  • Supported card from a participating bank 

To set up Apple Pay on iPhone 6 or iPhone 6 Plus, open Passbook and follow the steps below. On iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay and follow the steps below.

Add the card that you already use for your iTunes Store account

  1. On iPhone, if you don’t have any cards or passes, tap Set Up Apple Pay. If you do have cards or passes, pull down your pass stack and tap the plus icon in the top right corner in the upper right corner. On iPad, tap Add Credit or Debit Card.plus sign in top right corner     Add Credit or Debit Card in Passbook settings
  2. Select Use Card on File with iTunes.
    Apple Pay setup screen
  3. Enter the security code for the credit or debit card you’re already using with iTunes.
  4. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If they need more information, you’ll get instructions on how to provide additional verification. You can verify your card anytime after you’ve added it to Passbook. Just return to Passbook and follow the instructions.
  5. After your card is verified, tap Next. Your card is ready for Apple Pay.

Add a new card using your device’s iSight camera

  1. On iPhone, if you don’t have any cards or passes, tap Set Up Apple Pay. If you do have cards or passes, pull down your pass stack and tap the plus icon in the top right corner in the upper right corner. On iPad, tap Add Credit or Debit Card.
  2. Select Use a Different Credit or Debit Card.
  3. On the Card Details screen, tap the camera icon . You can also enter your card information manually.
  4. Position your card in the frame to capture the card information.
  5. Enter the security code and any other information that doesn’t automatically appear.
  6. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If they need more information, you’ll get instructions on how to provide additional verification. You can verify your card anytime after you’ve added it to Passbook. Just return to Passbook and follow the instructions.
  7. After your card is verified, tap Next. Your card is ready for Apple Pay.

Use Apple Pay in stores and within apps

You can use Apple Pay with your iPhone 6 and iPhone 6 Plus to pay in stores that accept contactless payments. You can also pay with Apple Pay within participating apps that sell physical goods and services, like groceries, clothing, tickets, reservations, and more.

Pay with Apple Pay in stores

On iPhone 6 and iPhone 6 Plus, you can use Apple Pay in stores that accept contactless payments. Look for one of these symbols at checkout:

Contactless payment reader symbol   Apple Pay symbol

To pay with Apple Pay using your default card, hold your iPhone within an inch of the contactless reader with your finger held on Touch ID without pressing it. (You can watch the demo to see how it works.) If you need to choose between “Credit” or “Debit” on the terminal, we recommend you to choose “Credit” to get the most consistent Apple Pay experience. Choosing “Debit” may not always work successfully with some older merchant payment terminals and backend systems.

Some stores might have this symbol on their card readers and POS terminals, but they might not be currently set up to accept contactless payments including Apple Pay. At the current time, this includes 7-Eleven, Home Depot, and Jack in the Box. If you can’t use Apple Pay at a store that is displaying the contactless payment symbol, please let us know using the Apple Pay feedback form.

To pay with a different card:

  1. Hold your iPhone near the contactless reader without placing your finger on Touch ID. Your iPhone will wake up, and you’ll see your default card on your screen.
  2. Tap your default card. From the list of cards, tap the one you want to use.
  3. Place your finger on Touch ID and move your iPhone near the reader to complete the payment. You might also need to sign a receipt, depending on the store and the transaction amount.

Make sure that you hold your iPhone near the reader until you feel a subtle vibration and see a checkmark on the screen. That’s how you know that your payment information was sent.

Pay with Apple Pay in apps

On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the “Buy with Apple Pay” or “Apple Pay”  button as a payment method. Look for these buttons in apps:

Buy with Apple Pay button  Apple Pay button

To pay with Apple Pay within an app:

  1. Tap the “Buy with Apple Pay” button or “Apple Pay” button.
  2. Review your payment information and contact details. Enter other billing, shipping, and contact information if necessary. Apple Pay will store that information, so you won’t need to enter it again.
    Pay with Touch ID in apps
  3. Place your finger on Touch ID to complete the payment.

When your payment information is sent successfully, you’ll see “Done” and a checkmark on the screen.

Manage your cards

After you add credit or debit cards to Passbook, you can change the default card, update your card information, or remove a card at any time.

Change your default card

The first card you add to Passbook is your default card. To change your default card:

  1. Go to Settings > Passbook & Apple Pay.
  2. Tap Default Card.
    Default Card in Passbook settings
  3. Choose a new card.

Update your card information, addresses, and contact information

You can change the addresses, email, or phone number you use for paying within apps at any time. Go to Settings > Passbook & Apple Pay to update your information.

Remove a card

You can remove a card from Apple Pay at any time. Just open Passbook, tap the card that you want to remove, tap  , and tap Remove Card.

Remove Card

Get help if your device is lost or stolen

You can remove your credit or debit cards from Apple Pay on icloud.com/settings. Just sign in, choose your device, and remove your cards in the Apple Pay section.

If Find My iPhone is turned on, you can also help keep your data secure in these ways:

  • Turn on Lost Mode to lock your device and suspend Apple Pay.
  • Erase your device remotely to prevent anyone else from accessing the data on your missing device and to remove your cards.

You can also call your bank to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

Apple Pay security and privacy overview

Apple Pay protects your personal information, transaction data and credit and debit card information with industry-leading security. Learn more about Apple Pay security and privacy below.

With Apple Pay, you can use iPhone 6 and iPhone 6 Plus to pay in an easy, secure, and private way. It’s simple for you, and it’s built with integrated security in both hardware and software.Apple Pay is also designed to protect your personal information. Apple Pay doesn’t collect any transaction information that can be tied back to you. Payment transactions are between you, the merchant, and your bank.

Keeping your payment information secure

To help ensure the security of Apple Pay, you must have a passcode set on your device and, optionally, Touch ID when you use Apple Pay. On your iPhone, you can use a simple four-digit passcode, or you can set a more complex passcode for even greater security.

When you add credit or debit cards

When you add a credit or debit card to Apple Pay, the information that you enter on your device by typing or using the iSight camera is encrypted and sent to Apple servers. If you use the camera to enter the card information, the information is never saved to the device or stored to the photo library. Apple decrypts the data, determines your card’s payment network, and re-encrypts the data with a key that only your payment network can unlock. Then it sends the encrypted data, along with other information about your iTunes account activity and device (such as the name of your device, its current location, or if you have a long history of transactions within iTunes) to your bank. Using this information, your bank will determine whether to approve adding your card to Apple Pay.

Once your card is approved, the payment network or your bank creates a device-specific Device Account Number, encrypts it, and sends it along with other data (such as the key used to generate dynamic security codes unique to each transaction) to Apple. Apple can’t decrypt it, but will add it to the Secure Element within your device. The Secure Element is an industry-standard, certified chip designed to store your payment information safely. The Device Account Number in the Secure Element is unique to your device and to each card added. It’s isolated from iOS, never stored on Apple Pay servers, and never backed up to iCloud. Because this number is unique and different from usual credit or debit card numbers, your bank can prevent its use on a magnetic stripe card, over the phone, or on websites.

Apple doesn’t store or have access to the card numbers you added to Apple Pay. Apple Pay only stores a portion of your actual card numbers and a portion of your Device Account Numbers, along with a card description, to help you manage your cards.

When you pay using Apple Pay in stores

Paying in stores that accept contactless payments with Apple Pay uses Near Field Communication (NFC) technology between your device and the payment terminal. NFC is an industry-standard contactless technology designed to work only across short distances. If your iPhone 6 is on and it detects an NFC field, it will present you with your default credit or debit card. To send your payment information, you must authenticate using Touch ID or your passcode. No payment information is sent without your authentication.

After you authenticate using Touch ID or passcode at a payment terminal, the Secure Element provides your Device Account Number and a transaction-specific dynamic security code, along with additional information needed to complete the transaction to the store’s point of sale terminal. Neither Apple nor your device sends your credit or debit card number. Before they approve the payment, your bank or payment network can verify your payment information by checking the dynamic security code to make sure it’s unique and that it’s tied to your device.

When you pay using Apple Pay within apps

To securely transmit your payment information when you pay in apps, Apple Pay receives your encrypted transaction and re-encrypts it with a merchant-specific key before the transaction information is sent to the merchant. This key helps ensure that only the merchant you’re purchasing from can access your encrypted payment information. As with in-store payments, Apple sends your Device Account Number to the merchant along with the dynamic security code. So neither Apple nor your device sends your actual credit or debit card numbers to the merchant.

If you lose your device and need to suspend or remove cards from Apple Pay

If you turned on Find My iPhone on your iPhone 6, you can simply suspend Apple Pay by placing your device in Lost Mode using Find My iPhone instead of immediately canceling your cards. You can also permanently remove the ability to pay with Apple Pay using the cards on your device by erasing the device remotely using Find My iPhone or Removing All Cards by going to iCloud.com/Settings.

Your cards will be suspended or removed from Apple Pay by your bank or the respective payment network even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank to suspend or remove your cards from Apple Pay.

Maintaining your privacy

The moment you begin using Apple Pay, strong privacy measures are already at work protecting your information. Apple has built extensive privacy safeguards into Apple Pay and iOS.

Adding credit or debit cards

Data Apple provides to your bank when you attempt to add a card may only be used by them to determine whether to approve adding your card to Apple Pay or improve their anti-fraud protections.

Using Apple Pay in stores

Apple Pay was designed so that when you pay in stores Apple doesn’t collect any transaction information that can be tied back to you. If you have Location Services turned on, the location of your device and the approximate date and time of the transaction may be sent anonymously to Apple. Apple uses this information to help Apple Pay improve the accuracy of business names in your transaction history and may be retained in the aggregate to improve Apple Pay and other Apple products and services.

Using Apple Pay within apps

When you use Apple Pay within apps, Apple Pay receives your encrypted transaction information and re-encrypts it with a merchant-specific key before it’s sent to the merchant. Apple Pay retains anonymous transaction information including approximate purchase amount, merchant and app identifiers, approximate date and time, and if the transaction completed successfully. Apple uses this data to improve Apple Pay and other products and services. Apple also requires apps using Apple Pay to have a privacy policy that you can view which governs their use of your data.

Using Apple Pay with iAd

If you tap a “Buy with Apple Pay” button in an iAd, your interactions with the ad, such as whether you completed a purchase or not, are included anonymously in the ad campaign data that’s shared with the advertiser and can’t be tied back to you.

See the Apple Privacy Policy for the complete terms about how Apple uses and protects your information.