Apple Pay uses direct billing with the network operator

Learn about Apple Pay

Apple Pay offers a convenient, secure and confidential method of paying via iPhone, iPad, Apple Watch and Mac - without a card or cash.

What you need to use Apple Pay

Add a card to the wallet app

You can use Apple Pay as soon as you've added your credit, debit, or prepaid card to Wallet. Make sure to add your cards to any device that you plan to use Apple Pay on.

You can use Apple Pay on iPhone, Apple Watch, iPad or Mac models with Touch ID once you've added your credit, debit or prepaid card to Wallet.

If you can't add a card to Wallet, see what you can do.

Receive a refund for items purchased in a store using Apple Pay

The cashier can process the return using the device account number. To find the device account number on your iPhone or iPad:

  1. Open the Settings app.
  2. Scroll down to Wallet & Apple Pay.
  3. Tap the card.

For the Apple Watch:

  1. Open the Apple Watch app on the iPhone.
  2. Go to the My Watch tab and tap Wallet & Apple Pay.
  3. Tap your card.

When the cashier needs your card details:

  • On the device you used to purchase the item, select the card that you want to be refunded in Apple Pay.
  • Hold your iPhone near the reader and authorize it.
  • Double-press the side button on Apple Watch and hold the display a few inches away from the contactless reader.

You can return items that you bought with a Suica card or a PASMO card with Apple Pay at the terminal where you bought the item before making another purchase with Suica or PASMO.

It can take several days for a refund to appear on your card statement.

Learn how to get a refund when you return an item purchased with an Apple Card.

Check the last transactions

  1. Open Wallet on your iPhone.
  2. Tap the card whose transactions you want to review.
  3. Tap a transaction to view more details.

Depending on the bank or card issuer, you may only see the transactions that you made on your device. Otherwise, you'll see all credit, debit, or prepaid card transactions on your account, including all Apple Pay devices and your physical card.

How to check your recent transactions in the Watch app on your iPhone:

  1. Open the Watch app on the iPhone.
  2. Scroll down and tap Wallet & Apple Pay.
  3. Tap your card, then tap the "Transactions" tab.

With some banks or card issuers, the wallet app may only display the initially authorized amount, which may differ from the final transaction amount. For places like restaurants, gas stations, hotels and car rentals, the transaction amounts in the Wallet app may differ from your bank statement. Always check the final transaction amount on the statement from your bank or card issuer. For Apple Cash, you can have an extract sent to the email address of your Apple ID.

You can also check your individual transactions with an Apple Card.

How secure is Apple Pay?

Apple Pay is more secure than paying with a physical credit, debit, or prepaid card. For every transaction on your iPhone, iPad or Mac you have to authenticate yourself with Face ID, Touch ID or your code. Your Apple Watch is protected by a code only known to you that you have to enter every time you put on your Apple Watch or pay with Apple Pay. Your card number and identity information will not be shared with the merchant, and your actual card numbers will not be stored on your device or on Apple servers.

When you check out at a store, neither Apple nor your device sends your actual card number to the merchant. When doing transactions in apps and with Safari3 operate on the Internet, the retailer only receives information such as your name, your e-mail address as well as the billing and shipping address, which you authorized to pass on in the course of your order. Apple Pay stores anonymized information about the transaction, such as the approximate purchase amount. This information cannot be linked to you, and what has been purchased is never saved. Apps that support payment via Apple Pay must have a privacy policy that you can view and regulate the use of your data.

Learn more about security and privacy with Apple Pay here.

What happens to Apple Pay if devices are lost or stolen?

Check out how to block or remove Apple Pay from a lost or stolen device. You can also remove any cards in the Wallet app that you use with Apple Pay on a device.

Use credit, debit or prepaid cards after you have blocked them in Wallet or removed them

If you block or remove cards in Wallet, you can still use the physical cards. Only your device-specific device account number will be blocked or removed.

  1. The Apple Card is issued by the Goldman Sachs bank (USA, Salt Lake City branch). The Apple Card is only available in the United States.
  2. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, a member of the Federal Deposit Insurance Corporation (FDIC). This feature is only available in the United States.
  3. In China mainland, you can only use Apple Pay on compatible iPhone and iPad models with iOS 11.2 or later on the web with Safari.
  4. Don't forget to sign in to iCloud on all of your devices. You need to set up Face ID, Touch ID, or a passcode on your iOS device. You need to set up a passcode on the Apple Watch. If you sign out of iCloud or remove your code, all credit, debit, prepaid, and public transport cards and student ID cards will be removed from this device.

Information relating to non-Apple products or independent websites controlled or audited by Apple does not constitute a recommendation or endorsement. Apple assumes no responsibility for the selection, performance, or use of third party websites and products. Apple makes no representations about the accuracy or reliability of any third party websites. Contact the provider for additional information.

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