Apple Pay (2024)

Apple Pay (1)
Apple Pay (2)
Apple Pay (3)
Apple Pay (4)

Here to pay.

ApplePay is the one way to pay. It replaces your
physical cards
and cash with an easier, safer, more
secure, and private payment method— whether you’re
in a store, online, or sending cash to friends or family.
It’s money, mademodern.

Add a card

Use AppleCard with ApplePay and get 2% Daily Cash back on every purchase. Learn more about AppleCard

Faster and easier
than

using cards
or cash.

Privacy and security
built in.

Accepted on millions
of websites and apps.

Checkout is easier
online with ApplePay.

It’s ready
and set.
Just go.

Apple Pay (5)Apple Pay (6)Apple Pay (7)
Apple Pay (8)Apple Pay (9)Apple Pay (10)
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Setup in seconds. ApplePay is simple to set up. Just add your credit or debit card to the Wallet app on your iPhone and you’re ready to go. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points ormiles.

How to add a card

ApplePay is already on your device. ApplePay is built into iPhone, AppleWatch, Mac, and iPad. Noseparate app to download. Nocomplicated processes to complete. Nohassles.

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Use Apple Cash with ApplePay. Apple Cash is a digital card that lives in Wallet — it stores the cash you receive or want to send.1 You can send money right in Wallet or Messages — pay your squad for brunch or chip in for a coworker’s gift. You can also spend it in stores, in apps, or online with ApplePay.

Apple Pay (20)Apple Pay (21)Apple Pay (22)

Easy.
Does it all.

Grab from the
corner cafe. Load
up your app.
Order a new online.
Have delivered.

Subscribe to .
Get

from a
vending machine.

And from the

supermarket.
Just look

for
or when
you checkout.

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At stores and more. ApplePay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you’re not sure, just ask. ApplePay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subwaystations.

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In apps and online. Use ApplePay for purchases in Safari on your iPhone, iPad, or Mac. You can skip the lengthy checkout forms and pay with just a touch or a glance. Or use ApplePay to subscribe to services like AppleMusic, AppleNews+, and AppleTV+, buy apps and games on the AppStore, and upgrade your iCloudstorage.

Safe and
sound.

Andsecure.

Apple Pay (25)Apple Pay (26)

Personal data. Protected. When you make a purchase, ApplePay 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 withmerchants.

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

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Tap more. Touch less. ApplePay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. So you keep your hands clean and are less likely to pick up— and spread — germs.

Get started
with
ApplePay.

Add a card

Questions? Answers.

  • You can use ApplePay to make purchases in stores, on websites, and in apps. It’s widely accepted, simple, safe, secure, andprivate.

  • ApplePay is safer than using a physical credit, debit, or prepaid card. FaceID, TouchID, or your passcode are required for purchases on your iPhone, AppleWatch, 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 Appleservers.

    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 shippingaddresses.

    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 AppleCash, information is stored only for troubleshooting, fraud prevention, and regulatorypurposes.

  • It’s simple. Just add a credit, debit, or prepaid card to the Wallet app on your iPhone. And remember to add your cards to any other Apple devices you want to use with ApplePay. It works on iPhone, AppleWatch, Mac, andiPad.

  • ApplePay 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 ApplePay here. If your card does not yet support ApplePay, contact your bank for moreinformation.

  • No. Apple does not charge any fees when you use ApplePay — in stores, online, or inapps.

  • ApplePay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseasusage.

  • If your business already accepts credit and debit cards, simply contact your payment provider
    to start accepting ApplePay. If you want to accept ApplePay on your website or in your app,
    visit ApplePay fordevelopers.

  • 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.2 If you already have a payment terminal, contact your payment service provider to find out if it accepts contactlesspayments.

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

  • AppleCash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. Themoney you receive appears on your AppleCash card in Wallet. You can spend it however you like instores, online, and in apps with ApplePay.

    ApplePay enables you to make secure, contactless purchases using AppleCash, AppleCard, and any other credit and debit cards that you add to Wallet.

Wallet

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

Learn more

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Apple Card

The credit card reimagined —
with no fees, unlimited DailyCash

back, and helpful financialtools.3

Learn more

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Apple Cash

Use it to send and receive

money, and spend wherever

ApplePay isaccepted.

Learn more

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Set up
Apple Pay
on your
Apple device.

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iPhone

Open the Wallet app
and tap to add a card.

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Apple Watch

Open the Apple Watch
app on your iPhone,
tap Wallet & Apple Pay,
and then tap Add Card.

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iPad

Go to Settings
Wallet & Apple Pay
and tap Add Card.

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Mac

On models with Touch ID,
go to System Preferences
Wallet & Apple Pay and
tap Add Card.

For more information, visit the
ApplePay setup support page.

Apple Pay (2024)

FAQs

Is there a limit on Apple Pay overdraft? ›

Since the Apple Wallet has no balance or credit limit itself, no, there is no way to overdraft in Wallet.

Why is Apple Pay not letting me verify my identity? ›

If you enter the wrong information, try to verify your identity again. If you don't see the option to verify your identity, contact Apple Support.

What happens if you don't have enough Apple cash? ›

If you don't have enough money in your Apple Cash balance to send a payment, you can pay the remainder with your debit card.

How do I respond to an Apple Pay request? ›

Respond to a payment request on Apple Watch
  1. Tap the Send button that appears in the payment request in Messages. Turn the Digital Crown or tap buttons on the screen to change the amount, if desired.
  2. Tap Send, then double-click the side button to make the payment.

Will Apple Pay go through with insufficient funds? ›

Some possible reasons for why the transaction is declining even though the digital card still appears in the Apple wallet include: Your card has been temporarily locked. Your card or the transaction account has insufficient funds or limit for the transaction. An incorrect card PIN has been entered at the terminal.

Can you Apple Pay with insufficient funds? ›

Before you make a purchase using Apple Pay Later, make sure that you have enough funds in your debit card account to cover the down payment amount — which is 25% of your order total. If there aren't enough funds in your debit card account to cover the down payment, your Apple Pay Later loan will be canceled.

What is the Apple cash limit? ›

Per message, you can send or receive up to $2,000. Within a 7-day period, you can send or receive a maximum of $2,000.

Does Apple Pay ask for your SSN? ›

Apple Pay does not require a social security number. It sounds like you may be referring to Apple Pay Cash. Apple Pay Cash may ask for your social security number as part of identity verification and this would be required to proceed.

Why is my Apple Pay restricted? ›

Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account.

Why does it say insufficient funds when I have money on Apple Pay? ›

It might mean you have insufficient funds ro complete a payment. Or it could mean you need to verify your identify with Apple. If you can't determine why there is an issue being reported here, contact Apple Support, and ask them.

Why does it say insufficient funds when I have money? ›

It does not mean there are no funds overall, but rather that the specific account used cannot cover the cost. This situation can occur when more money is spent than was available in that particular account. However, other accounts may need more funds to compensate for any shortfall.

Can you withdraw money from ATM with Apple Pay? ›

To find an ATM that takes Apple Pay you'll need to look out for the contactless symbol which will be displayed prominently on the ATM machine. If you see this you can usually make a withdrawal with a contactless card, or using a digital wallet like Apple Pay.

Is Apple cash and Apple Pay the same thing? ›

In a nutshell, here are the differences between these three Apple offerings: Apple Pay: The system in your iPhone that makes digital payments possible. Apple Card: A digital and physical credit card. Apple Cash: Like a prepaid debit card in your Apple Wallet that allows you to send and receive money.

How do I use Apple Pay for the first time? ›

To set up Apple Pay, add a debit, credit, or prepaid card to the Wallet app on your iPhone, Apple Watch, or other compatible device. To use Apple Pay, you need: A compatible device1 with the latest version of iOS or iPadOS, watchOS, or macOS. A supported card from a participating card issuer.

How to activate Apple Pay? ›

Set up Apple Pay on your Apple device.
  1. iPhone. Open the Wallet app. and tap to add a card.
  2. iPad. Go to Settings. Wallet & Apple Pay. and tap Add Card.
  3. Mac. On models with Touch ID, go to System Preferences. Wallet & Apple Pay and. tap Add Card.

Is there a limit to how much you can overdraft? ›

An overdraft limit is the maximum amount that banks allow you to withdraw. For example, you might have a bank account balance of $5,000 with an overdraft limit of $500. It means that you can spend up to $5,500, but you can't withdraw or request for an added money if the payment exceeds the limit.

Is there a daily overdraft limit? ›

Every bank and credit union has its own limit on the number of overdraft fees it will charge in one day. You can commonly expect banks to charge a maximum of 4 to 6 overdraft fees per day per account, though a few outliers do allow as many as 12 in one day.

What is cash apps overdraft limit? ›

key Takeaway: Overdrafting on Cash App is possible with a linked bank account or debit card Eligible users can overdraft up to $100 without incurring any fees, but Cash App may charge a fee of $0 50 per day for balances not cleared within 24 hours It's important to pay off negative balances promptly to avoid fees.

Are there limits on Apple pay? ›

Apple Pay transactions are subject to the same limits as your physical credit or debit card. These limits are determined by your bank or financial institution. Some common transaction limits for credit or debit cards include daily spending limits or transaction amount limits.

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