Apple Pay

Safe and
sound.
And secure.

Personal data. Protected. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple with merchants. If you prefer not to share your email address with merchants when paying online, you can use Hide My Email to generate unique, random email addresses that automatically forward to your personal inbox.

Your purchases stay private. When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

Tap more. Touch less. Apple Pay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. Every purchase requires Face ID, Touch ID, or a passcode — helping to keep your security in your hands.

Questions? Answers.

• How do I use Apple Pay?

  You can use Apple Pay to make purchases in stores, on websites, and in apps. It’s widely accepted, simple, safe, secure, and private.

  • Learn how to use Apple Pay in stores
  • How to pay with Safari on Mac
  • How to pay in store with iPhone
  • Learn how to use Apple Pay on websites
  • Learn how to use Apple Pay in apps
  • Learn how to pay in installments
  • Learn how to pay with rewards

• How secure is Apple Pay?

  Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode is required for purchases on your iPhone, Apple Watch, Mac, or iPad. Your card number and identity aren’t shared with merchants, and your actual card numbers aren’t stored on your device or on Apple servers.

  When you pay in stores, neither Apple nor your device will send your actual card number to merchants. When you pay online in Safari or in apps, the merchant will only receive information you authorize to fulfill your order — such as your name, email address, and billing and shipping addresses.

  When you pay with a debit or credit card, Apple doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

  • Learn more about Apple Pay security and privacy

• How do I set up Apple Pay?

  Adding a credit or debit card is as easy as opening the Wallet app, tapping the plus symbol, and tapping the back of your iPhone with an eligible card.1 Or add a card manually — open the Wallet app, tap the plus symbol, and follow the steps onscreen. You’ll have to verify your information with your bank or card issuer. If you have a paired Apple Watch, you’ll also have the option to add the card to your watch. If you upgrade your iPhone, you can transfer your cards to the new device in one easy step.

  If you’d like to add a credit, debit, or prepaid card directly to Apple Watch, Mac, iPad, or Apple Vision Pro, you can visit Apple Support to learn more about how to add your card to other Apple devices.

  • Add a card

• Which banks support Apple Pay?

  Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support Apple Pay here. If your card does not yet support Apple Pay, contact your bank for more information. See participating banks and cards that support installments here. See participating banks and cards that support rewards here.

• Can I check my card balance?

  Yes. Connect your eligible Discover credit card account to its associated card you use with Apple Pay to securely view your card account details right in Wallet — including card balances and up to two years of transaction history.6 To connect an account, open Wallet, select your card, tap 􀍡the more button, and select Card Details. Then tap Get Account Balance & Activity and follow the steps onscreen.

• Does it cost extra to use Apple Pay?

  No. Apple does not charge any fees when you pay with Apple Pay — in stores, online, or in apps.

• Can I use Apple Pay abroad?

  Apple Pay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseas usage.

• How can my business accept Apple Pay?

  If your business already accepts credit and debit cards, simply contact your payment provider
  to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app,
  visit Apple Pay for developers.

• Does my business need any special equipment to accept Apple Pay?

  With Tap to Pay on iPhone, you can use an iPhone to accept contactless payments through an app supported by any of the participating payment service providers. No extra terminal or hardware is required.7 If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.

• How do I let my customers know I accept Apple Pay?

  Download the Apple Pay mark to use within email, on your terminal screen, on your website, and in your app. You can also order Apple Pay decals to put on your storefront window and register.

  • Download the decal and guidelines
  • View online marketing guidelines
  • Order Apple Pay decals for your store
  • Add Apple Pay to your Maps listing

• What’s the difference between Apple Cash and Apple Pay?

  Apple Cash is an easy and private way to send and receive money,4 and it’s built right into iPhone. You can send Apple Cash in Messages, in Wallet, or with Tap to Cash by simply holding your iPhone near someone else’s. And because Apple Cash is a digital card in Wallet, you can spend your Apple Cash in stores, online, and in apps with Apple Pay.

  Apple Pay enables you to make secure, contactless purchases using your Apple Cash, your Apple Card, and any other credit and debit cards that you add to Wallet. For apps or merchants that don’t accept Apple Pay, use your Apple Cash virtual card number to make your purchase wherever Visa is accepted.

More for
your finances.

Wallet

Carry one thing.
Everything.

Learn more

Apple Card

The simplicity of Apple.
In a credit card.

Learn more

Apple Cash

Send it.
Spend it. Stash it.

Learn more

Apple Footer

• ◊

1. Must have an eligible and supported card. Not available in all markets. To use this feature, your card’s NFC technology must be activated and you may need to enter your card’s security code during setup. Software requirements apply. To ensure that you have all features of this product, update your iPhone to the latest software version.
2. Paying over time on Apple Pay: Loans not offered by Apple. All loans are offered by your lending provider and are subject to the lending provider’s eligibility requirements and approval, as well as other lending provider terms. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Must have an eligible card. This feature is only available through Apple Pay online and in apps, on iPhone or iPad. Not available in‑store. iOS 18 or iPadOS 18 or later required. To ensure you have all features of this product, update your device to the latest software version. Additional eligibility requirements may apply. For more eligibility and feature details, see support.apple.com/120477. Depending on your card, to avoid paying off your loan early, you may need to adjust how you pay your card’s bill. For example, your entire loan may be reflected in the statement balance of your card, and thus paying your statement balance (instead of, for example, the minimum payment due or an adjusted balance) would pay off your entire loan early. Contact your card issuer for more details.
3. Must have an eligible card. This feature is offered by your card’s issuer, and is subject to issuer eligibility requirements and other issuer terms. This feature is not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. The full amount of the transaction will be charged to your card at the time of your purchase and a statement credit for the redeemed reward amount will be applied to your account. Your available rewards balance and other data shown in Wallet may be delayed due to a variety of factors, including internet service. This feature is available with Apple Pay online and in apps, on iPhone or iPad. Not available in stores. Software requirements apply. To ensure that you have all features of this product, update your device to the latest software version. Some card issuers may require you to opt in to this feature before it is available to you. Contact your card issuer for more information. Additional eligibility requirements may apply. For more eligibility and other feature details, see support.apple.com/120479.
4. Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Learn more about the Terms and Conditions. Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can only send or receive up to 00 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to 00 within a rolling seven-day period. Other limits apply; see Terms and Conditions for details. To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.
5. Available with participating merchants on compatible browsers. Compatible browsers require WebSocket support. This feature is not available in all markets. Software requirements apply. To ensure that you have all features of this product, update your iPhone or iPad to the latest software version.
6. To use this feature, you must connect your account to an eligible card in Wallet. Available only to U.S. and UK users on iPhone. Card eligibility differs by your location. If you reside in the U.S. territories, please call Discover Bank with questions about card eligibility. Data available in Wallet for your connected card(s) may be delayed due to a variety of factors, including internet service. To use this feature, you must have an iPhone updated to the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. For more eligibility details, see support.apple.com/en-us/111117.
7. Requires iPhone Xs or later with iOS 15.5 or later. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

• Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
• To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer.
• Apple Pay is not available in all markets. View Apple Pay countries and regions.
• Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability.

• To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

  Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.

  If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.