Have you ever seen someone use their iPhone to pay for groceries or gas by waving it over a credit card reader? You can use Apple Pay to make cashless payments from your iPhone at stores, on websites, in apps, and elsewhere. You may also use Apple Cash to transfer money to friends and family by text message. Here’s everything you need to know about how to setup and use Apple Pay on your iPhone, Watch, and Mac, as well as sending money in Canada using Apple Cash.
What is Apple Pay?
Apple Pay is a contactless payment method that is only available on Apple devices. It was created to transition users away from physical wallets and toward a world in which your debit and credit cards are stored on your iPhone or Apple Watch, allowing you to pay with your device rather than a card. This section contains information about Apple Pay, such as how it works, how to set it up, which banks support it, and where you can use it.
How to Setup Apple Pay
Whether you’re shopping online or at a physical store like Target or McDonald’s, paying with your phone is often easier and faster than hunting around for a credit card or the proper amount of cash. As a result, mobile payment apps are becoming increasingly popular among consumers.
Apple Pay is the default payment option for users of the iPhone, iPad, Apple Watch, and Mac. Your iPhone or Apple Watch can be used to pay for items in physical stores and online retailers by attaching a credit or debit card through the app. You can also use your iPad or Mac to make purchases from compatible websites. When you authenticate the purchase with Face ID, Touch ID, or a PIN, the money is deducted from your account.
You will need a supported device (opens in a new window) and an operating system version to use Apple Pay. For example, you only need iOS 8.1 to access the app, but if you want to use Apple Cash to transfer and receive money from others, you’ll need iOS 15.5 or higher. Here’s how to setup Apple Pay across all of your devices.
How to Setup Apple Pay on IPHONE
To setup, open the Wallet app on your iPhone and hit the plus (+) icon in the upper-right corner, then select Debit or Credit Card and tap Continue. You now have two options for adding your credit or debit card. You can scan it using your phone’s camera to capture your name, number, and expiration date.
Alternatively, you can enter the card number and expiration date manually by tapping Enter Card Details Manually. You must also manually enter the security code on the back of the card with either method. Tap Next, then enter the expiration date and confirm your agreement to the terms and conditions.
You must next authenticate your card with the bank via email, text, or phone call. After entering the code, your card will be authorized and added to the Wallet app for further usage with Apple Pay.
If you want to setup Apple Pay on your iPad to purchase items online (or in physical stores), you will find that there is no Wallet app. Instead, go to Settings > Wallet & Apple Pay, and then hit Add Card.
To add a new card, select Debit or Credit Card, then enter the card details as you would on an iPhone. Tap Previous Cards to add a previously saved payment option from your iPhone. A list of the cards you added to your iPhone will appear. Uncheck any that you do not wish to add to the iPad, then press the Continue button. You must next validate the card with the card issuer via text, email, or phone call.
Add an Apple Pay Card
The company’s credit card, Apple Card, can also be attached to Apple Pay and shared with your Family Sharing group. Tap the plus (+) icon in the Wallet app, then select Apply for Apple Card and continue. Confirm your name and phone number, then enter your birth date and address.
After that, you must confirm your identification by entering the last four digits of your Social Security number. Next, enter your yearly earnings. Tap Next, then Agree after reviewing the Apple Card terms and conditions.
If you’re authorized, a screen containing your credit limit, APR, and fees should appear. Tap Accept Apple Card to acquire the card. If you want to set Apple Card as your default payment option for your Wallet, Apple Watch, Safari, Apple ID, and Apple Pay tap Set as Preferred Card.
You can also request a physical titanium Apple Card to use at merchants that do not accept Apple Pay. To acquire the card, tap Continue, then review your address and tap Confirm.
How to Setup Apple Pay on Watch
You may setup by connecting an Apple Pay card to your Apple Watch. When you add a card to your iPhone near the end of the Apple Pay setup process, you’re asked if you want to add it to your Apple Watch. Tap Add Now and enter the security code to do so. The card is then accessible via your watch.
However, if you did not do so during the initial setup, you can manually add a card using your iPhone’s Watch app. To add a new card, open Wallet & Apple Pay and touch Add Card. Scroll to the section under Other Cards On Your Phone and click Add next to any card you want to use from your watch for a card you previously added on your iPhone.
To view the cards on your Apple Watch, use the Wallet app. Swipe down to see the recently added cards. You can also add a card directly from the watch by swiping to the bottom of the screen and tapping Add Card. After that, you can add a new card or one from your iPhone.
How to Setup Apple Pay on Mac
To add a card to your Mac, you’ll need a model that supports Touch ID. If your Mac lacks Touch ID, you can still utilize Apple Pay for online transactions if you have an iPhone or Apple Watch, as explained further below.
Here’s how to setup Apple Pay on Mac models equipped with Touch ID:
- Go to System Preferences on your Mac with Touch ID.
- Click on “Wallet & Apple Pay” then “Add Card.”
- Tap “Continue” on the Apple Pay setup screen.
- Complete the following steps to add a new card: Scan the front of your card with your Mac’s camera or enter the card information (name and card number) manually. Then press “Next.”
- Enter the expiration date and security code for the card, then select “Next.”
- Read the terms and conditions and agree to them.
- Choose a means of verification, such as email, text, or phone call, and input the verification code when prompted. Then press “Next.”
- After your bank or card issuer has validated your information, tap “Next” to begin using Apple Pay.
Here’s how to setup your devices for Apple Pay if you have a Mac without Touch ID and an iPhone or Apple Watch:
- Follow the instructions above to setup Apple Pay on your iPhone or Apple Watch.
- Open the Settings app on your iPhone or the Watch app on your device.
- Select “Wallet & Apple Pay” and check the box next to “Allow Payments on Mac.”
- Enable Bluetooth on your Mac.
- The next time you wish to use Apple Pay on your Mac, keep your iPhone or Apple Watch close to confirm the payment.
How to Setup Apple Pay Cash
To setup Apple Pay Cash, go through the following steps:
- Check that you have a suitable device: Apple Pay Cash is accessible on iOS 11.2 or later iPhone, iPad, and Apple Watch models.
- Verify your identity: To use Apple Pay Cash, you must enter your name, date of birth, and Social Security number (or other government-issued identification). To do so, navigate to Settings > Wallet & Apple Pay > Apple Pay Cash > Verify Identity and follow the on-screen instructions.
- Add money to your Apple Pay Cash account: To add money to your Apple Pay Cash account, navigate to Settings > Wallet & Apple Pay > Apple Pay Cash > Add Money. You can add money with a debit card or an Apple Cash card, which is created automatically when you activate Apple Pay Cash.
- Start using Apple Pay Cash: To begin utilizing Apple Pay Cash, open the Messages app, choose the conversation with the person you wish to pay, then tap the Apple Pay button. Tap the arrow to send the payment after entering the amount you want to send or request. Siri can also be used to transfer or request money.
It’s worth noting that Apple Pay Cash is only available in the United States, and certain transactions may incur fees. Furthermore, Apple Pay Cash is not a bank account, and your Apple Pay Cash funds are not FDIC-insured.
How to Setup Apple Pay Canada
To setup Apple Pay in Canada, complete these steps:
- Check to see whether your bank accepts Apple Pay: Apple Pay is accepted by numerous banks in Canada, including major institutions such as RBC, TD, Scotiabank, CIBC, and BMO. Check with your bank to check if it accepts Apple Pay and if your account qualifies.
- Add your card to Apple Wallet: Open the Wallet app on your iPhone, touch the “+” icon in the top right corner, and then follow the prompts to add your credit or debit card. Alternatively, you can add your card by going to Settings > Wallet & Apple Pay > Add Card.
- Verify your card: Depending on your bank, you may need to input a verification code or call your bank to verify your card. To verify your card, follow the instructions provided by your bank.
- Start using Apple Pay: To use Apple Pay, simply hold your iPhone near a contactless payment terminal and validate the payment with Touch ID or Face ID. Apple Pay can also be used to make purchases within applications and on the web.
It is critical to highlight that Apple Pay is secure and employs advanced security technologies including tokenization and biometric authentication to safeguard your payment information. Also, certain establishments may not accept Apple Pay, so having a backup payment method is always a good idea.
How to Use Apple Pay
Now that Apple Pay is enabled on all of your devices, it’s time to start using the app. If you wish to use your iPhone (or iPad) to pay for something at a physical store, place it near the terminal or payment scanner. Apple Pay should show your default card visible once it’s in the correct location.
Swiping up on your list of cards allows you to switch to a different card. Select the one you wish to use by tapping it. When you’re ready to pay, double-tap and then touch the Side button on your device to confirm the transaction with Face ID, Touch ID, or a PIN.
To pay for something online with your iPhone or iPad, start the purchase and then double-tap the side button when prompted. The payment must then be validated using Face ID, Touch ID, or your PIN.
To use your Apple Watch to pay for an item at a physical store or on a website, double-tap the Side button on the watch to display your debit and credit cards. Tap the card you want to use, then tap the Side button twice to buy the item.
Browse a website or app that accepts Apple Pay to pay for an item online using your Mac. Click the price or buy button for the item you want to buy, then use Touch ID to confirm the transaction. After then, the item is purchased.
How Can I Activate Apple Pay?
To activate Apple Pay, you’ll need to follow these steps:
- Check if your device is compatible
- Add your credit or debit card to Apple Wallet
- Verify your card
- Set up Touch ID or Face ID
- Start using Apple Pay
How Do I Setup Apple Pay in the USA?
To set up Apple Pay in the USA, you’ll need to follow these steps:
- Check if your bank supports Apple Pay
- Add your card to Apple Wallet
- Verify your card
- Start using Apple Pay
How Do I Setup Apple Pay to Send Money?
To set up Apple Pay to send money, you’ll need to follow these steps:
- Check if Apple Pay Cash is available in your country
- Set up Apple Pay Cash
- Add money to your Apple Pay Cash account
- Verify your identity
- Start sending money
How Do I Verify My Apple Pay Account?
The verification process for Apple Pay varies depending on your location and the bank that issued your card. Here are some general steps you can follow to verify your Apple Pay account:
- Open the Wallet app on your iPhone and select the card you want to verify.
- Follow the prompts to verify your card.
- If your bank requires additional verification, you may need to call their customer service line or visit a branch to complete the process.
- Once your card is verified, you should see a checkmark next to it in the Wallet app.
What Bank Is Apple Pay?
Apple Pay is not a bank. It is a mobile payment and digital wallet service developed by Apple Inc. that allows users to make payments using their iPhone, Apple Watch, iPad, or Mac. When you add a credit or debit card to Apple Pay, you’re simply linking your card to your Apple Pay account, which allows you to use your device to make payments at merchants that accept Apple Pay.
Can You Use Apple Pay Without SSN?
In the United States, Apple Pay requires that you verify your identity using your name, date of birth, and Social Security number (SSN) or other government-issued identification. This is to comply with federal regulations and prevent fraud. If you do not have an SSN, you may be able to verify your identity using other forms of government-issued identification, such as a passport or driver’s license.
However, this may vary depending on your location and the bank that issued your card. It’s best to contact your bank or financial institution to determine what identification documents are required to use Apple Pay.
How Do I Receive Money From Apple Pay?
To receive money from Apple Pay, you’ll need to follow these steps:
- Set up Apple Pay Cash
- Share your Apple Pay Cash information
- Accept the payment
- Transfer the money
How Long Does Apple Pay to Take To Transfer to Bank?
The time it takes for Apple Pay to transfer money to your bank account can vary depending on a few factors, such as the bank you’re transferring the money to and the time of day you initiate the transfer. Typically, it takes 1-3 business days for the money to appear in your bank account after you request the transfer.
What Is the Apple Cash Limit?
The Apple Cash limit is the maximum amount of funds that you can store in your Apple Cash account and the maximum amount you can send or receive using Apple Pay Cash. The current limits for Apple Cash in the United States are:
- You can add up to $20,000 to your Apple Cash card within 7 days.
- You can send or receive up to $10,000 per transaction.
- You can send or receive up to $20,000 within 7 days.
How Do I Add a Bank Account to Apple Pay?
To add a bank account to Apple Pay, you’ll need to follow these steps:
- Open the Wallet app on your iPhone and tap on your Apple Cash card.
- Tap “Add Money” and then tap “Bank Account.”
- Follow the instructions to enter your bank account information, including your routing number and account number.
- Verify your bank account by following the prompts to authenticate your account. This may involve entering a verification code or providing additional personal information.
- Once your bank account is verified, you can transfer money from your bank account to your Apple Pay Cash account.
Conclusion
It’s important to note that the specific setup steps for Apple Pay may vary depending on your location and the bank that issued your card. Additionally, some transactions may be subject to fees, Apple Pay Cash is not a bank account, and funds in your Apple Pay Cash account are not FDIC-insured. If you have any questions or issues with setting up Apple Pay, contact your bank or financial institution for assistance.
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