Apple Pay: Secure, simple, and even more useful mobile payment platform


Apple Pay is a Mobile Payment and Digital Wallet service by Apple Inc. that lets users make payments using the iPhone 6, 6 Plus, and later, Apple Watch-compatible devices (iPhone 5 and later models), iPad Air 2, iPad Pro and iPad Mini 3 and later. Apple Pay does not require Apple-specific contactless payment terminals, but can work with existing terminals.

Apple Pay, Mobile Payment Platform

Apple Pay lets mobile devices make payments at contactless points of sale and in iOS apps. It digitizes and replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals. It is similar to contactless payments already used in many countries, with the addition of two-factor authentication.

Paying in stores or within apps has never been easier or safer. Gone are the days of searching for your wallet. The wasted moments finding the right card. Now you can use your credit cards, store credit cards, and rewards cards with just a touch.

The service lets Apple devices wirelessly communicate with point of sale systems using a near field communication (NFC) antenna, a “dedicated chip that stores encrypted payment information” (known as the Secure Element), and Apple’s Touch ID and Wallet. The service is compatible with the iPhone 6, 6 Plus, 6S and 6S Plus and the Apple Watch.

Users with iPhone 5, 5C, 5S, 6, 6 Plus, 6S and 6S Plus can use the service through an Apple Watch, though it lacks Touch ID security. Instead, Apple Pay is activated with a passcode and will remain active for as long as the user wears the Apple Watch.

Apple Pay is simple to use and works with the cards you already have on the devices you use every day. And because your card details are never shared when you use Apple Pay — in fact, they aren’t stored on your device at all — using Apple Pay on your iPhone, Apple Watch, or iPad is the safer and more private way to pay.

An easier way to pay in stores

One touch to pay with Touch ID. Now paying in stores happens in one natural motion — there’s no need to open an app or even wake your display thanks to the innovative Near Field Communication antenna in iPhone 6 and iPhone 6s. To pay, just hold your iPhone near the contactless reader with your finger on Touch ID. Or you can double-click the Home button when your iPhone is locked to access Wallet and quickly make your purchases. Your card number is never stored on your device, and when you pay your debit or credit card numbers are never sent to merchants. Apple Pay assigns a unique number for each purchase, so your payments stay private and secure.

Apple Watch

Double-click to pay and go. To pay with Apple Watch, just double-click the side button and hold the display of Apple Watch up to the contactless reader. A gentle tap and beep confirm that your payment information was sent.

An easier way to pay within apps

Convenient and secure checkout. On iPhone and iPad, you can use Apple Pay to pay with a single touch within apps. Checking out is as easy as selecting Apple Pay and placing your finger on Touch ID.

Setup is simple with Wallet

Wallet already stores your boarding passes, tickets, rewards cards, and more. With Apple Pay, it can store your credit cards, debit cards, and store credit cards, too. To get started, you can add the credit or debit card from your iTunes account to Wallet simply by entering the card security code.

Add more cards on iPhone within the Wallet app. Just tap the plus sign and follow the onscreen instructions. On iPad, start by opening Settings, tap “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” For Apple Watch, open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.”

The safer way to pay. With your fingerprint

Every time you hand over your credit or debit card to pay, your card number and identity are visible, and swiping your card triggers an exchange of information. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch.

When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked — so only you can make payments from your device.

Protect your accounts, Even if you lose your device

If your iPhone or iPad is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely.

You can also stop the ability to make payments from credit and debit cards on your iPhone, iPad, or Apple Watch with iCloud. Just log in to and click Settings.

Keep your purchases private

Apple doesn’t save your transaction information. With Apple Pay, your payments are private. Apple Pay doesn’t store the details of your transactions so they can’t be tied back to you. Your most recent purchases are kept in Wallet for your convenience, but that’s as far as it goes.

Leave your cards in your pocket. Since you don’t have to show your credit or debit card, you never reveal your name, card number, or security code to the cashier when you pay in a store. This additional layer of privacy helps ensure that your information stays where it belongs. With you.

Pay within apps

Apple Pay provides an easy and secure way to make payments within your favorite apps. With more apps accepting Apple Pay every day, you no longer need to pull out your wallet and type in a long credit card number, put in shipping and contact details, or feel unsure about entering any of this information into an app.

It’s easy to see where you can use Apple Pay

Out for a day of shopping? Now you can see if a local store accepts Apple Pay right in the Maps app. Just choose a location and look for the Apple Pay mark. Or look for the Apple Pay mark or contactless symbol at the checkout counter.