Apple Pay lets you make purchases with eligible cards stored in Wallet. It can be used at compatible contactless terminals, in supported apps, and on participating websites. Availability depends on your country or region, card issuer, and device.
Add a Card to Wallet
- Open the Wallet app.
- Tap the Add button.
- Choose the appropriate card type.
- Scan the card or enter the requested information.
- Complete the issuer’s verification process.
- Wait for the card to become available in Wallet.
Pay in a Store With Face ID
- Double-click the Side button.
- Authenticate with Face ID or the device passcode.
- Select another card if you do not want to use the default.
- Hold the top of the iPhone near the contactless reader.
- Wait for the completion confirmation.
Pay in an App or on the Web
- Choose Apple Pay at checkout.
- Review the card, billing, shipping, and contact information.
- Authenticate with Face ID, Touch ID, or the passcode.
- Wait for the purchase confirmation.
If a Card Cannot Be Added
Confirm that the card issuer supports Apple Pay, the iPhone has a passcode or biometric security configured, iOS is current, two-factor authentication is enabled for the Apple Account, and Apple Pay is supported in your region. Apple does not approve or decline individual cards; the card issuer does.
Apple Pay and the Apple Account Balance Are Different
Apple Pay uses eligible payment cards and other supported payment methods in Wallet. Your Apple Account balance is a separate balance used for Apple purchases and services.
Choose a Different Card Before Paying
If multiple cards are stored in Wallet, you can select another eligible card before authenticating the transaction. Review the card shown on screen instead of assuming the default payment method is the one you want.
If a Payment Is Declined
A card that appears correctly in Wallet can still be declined by the issuer or merchant. Check the transaction details and contact the bank or card issuer when necessary. Removing and re-adding the card repeatedly is not always useful if the underlying problem is an issuer decline.