Setting Up Apple Pay on Your iPhone and Other Apple Devices

Apple Pay is one of the most sought-after digital payment services globally. It provides users with the ability to make purchases on iOS apps, the web, and in person. You have the option to pay using your iPhone, Apple Watch, iPad, and Mac, and it’s widely accepted by tons of merchants. The awesome aspect of Apple Pay is that it essentially transforms debit/credit card chips into digital form, allowing for contactless payments. All that’s needed is to hold your phone or watch near the terminal.

Nevertheless, none of these activities can be carried out until Apple Pay is set up on your device. Here’s how to do it.

How to Configure Apple Pay on an iPhone

Apple Pay was initially designed as a mobile-only platform, so configuring it on your iPhone will expand its functionality to other devices you own. To set up Apple Pay on your phone, add a debit or credit card to the Wallet app.

1. Access the Wallet app on your iPhone. Search the phone’s contents or look for a colorful wallet icon to find it.

Set up screen.Set up screen.

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2. Click on the Add Card button. You might need to log in with your Apple ID at this point.

3. Choose the card. You will be prompted to indicate the type of card you are adding, so click on Debit or Credit.

4. Input the card information. This can be done manually or by positioning the card in front of the camera so it can snap a photo of the card.

5. You can also select Previous Cards. By selecting Previous Cards, you can choose from cards used in the past to bring them into Apple Pay. A list of potential cards will be displayed based on purchases made with your Apple ID and Safari AutoFill. Once you tap on a card, authenticate with Face ID or Touch ID.

Apple Wallet card options. Apple Wallet card options.


6. Explore other alternatives. Apple Pay also gives you the option to input driver’s licenses, state IDs, and transit cards.

7. Complete the process. When you are done, go to Settings to make final tweaks. Select your preferred option for how you want your card to be displayed. You can choose to have cards appear on the screen when you double-click the side button or the home button.

8. That’s it. Now you can make purchases by bringing up a digital copy of your card.

How to Set Up Apple Pay on an Apple Watch

Apple Watch links with Apple Pay to provide an extremely convenient payment method, as you won’t even need your phone nearby. Here’s how to configure it on your smartwatch.

1. Retrieve your phone. If you already have a card saved on your iPhone, open the Watch app. Tap My Watch and then Wallet & Apple Pay.

A list of cards on the app. A list of cards on the app.


3. You should see several available cards. Tap Add next to the card you want, and then input the CVV, located on the back of the card. That’s all. You should now be able to use your watch for payments.

4. Launch the Wallet app on your watch. If you are manually entering a card onto the actual watch, start by opening the Wallet app. Tap the More Options button and then Add Card.

5. Input the card details. Follow the on-screen instructions to enter your various card details.

6. Finish the process. When done, return to the Wallet app. Tap More Options, then Default Card. Look for the card you just entered and tap it to set it as the default. You’re all set.

How to Set Up Apple Pay on an iPad

Since the iPad is essentially a large iPhone, the setup process is similar. Although Apple’s tablet cannot be used at a physical payment terminal, it’s a great option for making online purchases.

1. Open Settings. Navigate to Settings and tap Wallet & Apple Pay.

A screenshot from iPad.A screenshot from iPad.

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2. Tap the Add Card option. You may be prompted to sign in with your Apple ID at this stage.

3. Click on Debit or Credit Card and then Continue. Similar to the iPhone, you can manually input card details or use the tablet’s camera to take a photo of the card.

4. Explore past-used cards. You can also select Previous Cards and choose cards you’ve used previously. A list of potential cards will appear. Tap on a card and authenticate with Touch ID.

How to Set Up Apple Pay on a Mac

Mac laptops and desktops are also not compatible with physical sales terminals for obvious reasons. Nonetheless, it’s still useful to have Apple Pay as an option when purchasing things online. Here’s how to set it up.

Set-up screen.Set-up screen.

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1. Go to System Settings. On your Mac, proceed to System Settings. Then, click on Wallet & Apple Pay.

2. Tap Add Card. You will be asked to log in with your Apple ID. Provide your credentials and return to Wallet & Apple Pay.

3. Input card details. Choose Enter Card Details Manually and enter your payment information in the appropriate fields, or position the card in front of your computer’s camera so it is within frame. Review to ensure all details are correct.

4. Utilize a card already on file with Apple. You will see a list of cards previously entered for use on the iTunes Store or the App Store. Click on the desired card and input the security code when prompted.

5. That’s all there is to it. Keep an eye on your Apple ID account. You might need to set up Apple Pay again if you sign out of your account to let someone else use the computer.

That’s it. Apple Pay is all set up and good to go. We also put together a guide on how to use the service once it’s all set up.

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