Technology

How Does Apple Pay Work on iPhone?

August 30, 2020

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In 2019, 27 million Americans used Apple Pay to make a purchase, making it the most popular mobile payment platform; and it will work on iPhone as well.

Apple Pay streamlines the buying process so it’s safer and easier for you to spend at your favorite retailers. If you’re wondering “how does Apple Pay work on iPhone?”, we’ve got your back.

Here’s everything you need to know.

Table of Contents

What Is Apple Pay and how does it Work on iPhone?

Apple Pay lets you make contactless purchases in stores, on apps, and websites. Once you set up Apple Pay, you can send and receive money from friends in Messages and there’s even a physical Apple pay card too.

Because of this, Apple Pay is safe and easier than using your physical card.

Which Devices Work With Apple Pay?

Before you use Apple Pay near me, it’s important to find out whether your device is compatible with it.

To help you, know Apple Pay is compatible with:

Apple iPhone 6 and 6 Plus
Apple iPad Pro, iPad Air 2, and iPad mini 3
Apple Watch Series 1

Plus, all the models succeeding these. This is because Apple Pay only works with the Near Field Communication (NFC) antenna and Touch or Face ID.

How Do You Use Apple Pay?

“How does Apple Pay work on iPhone X?” You ask.

If you have an iPhone with Touch ID, double tap the Touch ID home button and hold it down until “Hold Near Radar” appears. Fingerprint not recognized? Then choose “Pay with Passcode”.

Users that use Face ID must double tap the “sleep/wake” button to launch Apple Pay. Your iPhone will authorize you through Face ID or you can opt for “Pay with Passcode”. When it’s authorized, “Hold Near Reader” will pop up.

Once the message appears, place your iPhone near a contactless terminal and your phone will ping or vibrate if it’s on silent.

When the payment has gone through, a receipt will be sent to the Wallet app so you can monitor your latest purchases.

Is Apple Pay Secure?

Whenever a card is scanned into Wallet for Apple Pay, it’s given a unique Device Account Number (instead of your card number) which is saved in the phone.

The iPhone also has a Secure Element chip that contains the user’s payment information but it’s never uploaded to iCloud or Apple’s servers so it’s secure.

Once you make a payment, the Device Account Number is sent with a one-time code, like a card’s CCV, to verify a successful payment.

Alongside these security codes, you must authenticate each transaction through Face or Touch ID.

Setting Up Apple Pay to Work on iPhone

To set Apple Pay up on your iPhone or iPad, head to the “Settings” and choose “Wallet & Apple Pay”. Tap “Add Card” and press “Continue”.

Select which payment card and hold your iPhone over the credit card so it reads the number on the front. Or you can enter the card details manually.

Next, accept the “Terms and Conditions” and your iPhone will confirm the card with your bank and add it to the Wallet. This may be automatic or you may need to enter a verification code or confirm with your bank.

Your card should appear in your Wallet including your recent receipts. If they don’t, the transaction history may be turned off so on the “Transactions” tab, make sure the “Show History” toggle is green.

Still having trouble setting up Apple Pay? Then click this link now.

Where Can You Use Apple Pay?

Apple Pay works everywhere that accepts contactless payments so check for the Apple Pay symbol at the checkout.

It’s currently accepted in two million stores in the U.S and the number is constantly growing. Popular retailers that accet Apple Pay are Bloomingdales, McDonald’s, Macy’s, and Whole Foods.

Which Banks Support Apple Pay?

Major credit and debit card providers support Apple Pay like Visa, MasterCard, and American Express. The feature also works with federal-payment cards like Social Security and veterans benefits that are paid via debit cards.

You can also use Apple Pay to buy gift shop items or tickets at national parks as it supports transactions with the federal government.

Which Apps Work on iPhone and Support Apple Pay?

From entertainment to travel, many apps accept Apple Pay. For instance, you can use Apple Pay on Booking.com, Topshop, Starbucks, and Uber. You can even book flights on Emirates and British Airways.

Is There a Limit On Payments?

Unlike contactless card payments, there isn’t a limit on Apple Pay. Apple’s feature lets you pay for a weekly grocery shop or refuel your car from your iPhone. It’s never been easier!

What if You Lose Your Iphone?

It’s understandable to worry about using Apple Pay in case you lose your iPhone.

But because every Apple Pay transaction has to be authorized by your face, fingerprint, or passcode, it means no one can buy anything using your iPhone because it needs to be authorized.

If someone did access your phone, they could see your billing address and the last four digits of your cards, that’s it. As soon as you realize your iPhone is missing, access Find My iPhone and put your device in “Lost Mode”.

As a result, everything will be locked so no one can access your content alongside Apple Pay and your Wallet. Or, to be safe, use the Find My iPhone app to wipe your iPhone completely.