How to Set Up Apple Pay: A Complete Guide [2023 Edition]

In this guide, we’ll show you A) how to quickly set up Apple Pay, B) what Apple Pay can do, and C) how to get the most out of it…

Apple Pay is one of the most popular digital payment platforms on the market. Used by tens of millions of people all over the world, Apple Pay processes literally billions of transactions each and every day. Apple Pay is secure, super-useful, and very easy to setup.

With Apple Pay set up on your iPhone, you can make payments using your iPhone when you’re out and about. You can also use Apple Pay to make payments online as well and it’ll even fill in your address details too.

In this article, we’ll take a detailed look at how to set up Apple Pay and start using it on your iPhone.

What is Apple Pay?

Available on iPhones, iPads, Macs, and Apple Watches, Apple Pay works by storing your credit or debit card details on your device, allowing you to make payments by simply holding your device near a compatible payment terminal.

Or, in the case of Apple’s Macs, when you’re browsing online. To use Apple Pay to make payments, simply select the PAY WITH APPLE PAY option when you’re checking out.

Why Use Apple Pay / Apple Pay Benefits?

Firstly, it is a secure way to make payments, as it uses encryption technology to protect your personal and financial information.

Secondly, it is a convenient way to make payments, as you don’t need to carry around physical cards or cash.

Finally, Apple Pay can be used to make payments in a variety of places, including stores, apps, and websites.

Setting Up Apple Pay

To start using Apple Pay, you’ll need to set it up on your device. Here’s how to do it:

  1. Check that your device is compatible with Apple Pay: Apple Pay is available on iPhone 6 and later, iPad Pro, iPad Air 2 and later, iPad mini 3 and later, and Apple Watch.
  2. Add your credit or debit card to Apple Pay: To do this, go to the Wallet app on your device, tap the “+” button, and follow the on-screen instructions to add your card.
  3. Verify your card: Depending on your bank, you may be asked to verify your card by providing additional information.
  4. Set up Touch ID or Face ID: If your device supports Touch ID or Face ID, you can set it up to make payments more quickly and easily.
  5. Start using Apple Pay: Once you’ve set up your card, you can start using Apple Pay to make payments at participating stores, apps, and websites.

Using Apple Pay

Now that you’ve set up Apple Pay, let’s take a look at how to use it for your transactions.

  • Paying in stores: To pay in a store using Apple Pay, hold your device near the contactless payment terminal and follow the on-screen instructions.
  • Paying in apps: To pay in an app using Apple Pay, select the Apple Pay option at checkout and follow the on-screen instructions.
  • Paying on websites: To pay on a website using Apple Pay, select the Apple Pay button at checkout and follow the on-screen instructions.

You should also keep in mind that there are limits on how much you can pay using Apple Pay, and these limits vary on a country-by-country basis.

Tips for Using Apple Pay


Here are some tips to help you get the most out of Apple Pay:

  • Keep your device charged: To use Apple Pay, your device needs to be charged and turned on.
  • Make sure the store accepts Apple Pay: Not all stores accept Apple Pay, so it’s a good idea to check before trying to use it.
  • Verify the payment amount: Before making a payment, verify the amount to avoid any accidental transactions.
  • Keep your card details up to date: If you get a new card, make sure to update your details in the Wallet app.

Richard Goodwin

Richard Goodwin has been working as a tech journalist for over 10 years. He has written for Den of Geek, Fortean Times, IT PRO, PC Pro, ALPHR, and many other technology sites. He is the editor and owner of KnowYourMobile.

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