Apple Pay: How to Use It on iPhone: The Complete Guide for Reluctant Users (Updated).

Apple Pay is available in the U.S. since October 2014 and in the U.K. since July 2015. More countries have since followed the example. As you would expect from an Apple product, Apple Pay is intuitive and easy to use. Well, mostly, yes.

Update: Added Face ID iPhone models later than the update. Also, a link to Anthony Karcz’s excellent Apple Pay on Apple Watch guide.

However, I have found that many people I speak to don’t use it. They think the details are too confusing or get it wrong. It doesn’t work. They don’t want to go through that humiliation again at the checkout.

It may take too long to get into the subway, and people are twirling behind them.

After reading this, Apple Pay should not be a concern if you are one of these people. If you aren’t one of these people, congratulations!

This guide is intended for Apple Pay on iPhone because that’s the most common way it’s used. I will follow up with separate guides on Apple Pay Cash and iPad usage. A Forbes contributor has created a simple guide on how you can use Apple Pay on Apple Watch. Direct! Photos! It is highly recommended.

You might find these questions in the article.


Apple Pay is available to all iPhone owners who purchase a new iPhone. It’s easy. It’s easy to confirm that you wish to use the same Apple Pay cards on your new iPhone if you have used Apple Pay before.

Launch the Wallet app and tap the blue circle at the top of the screen to add another card.

I don’t see any Plus symbols.

No? If so, you may have a ticket or pass at the top. Tap the ticket to make it disappear back into the pile. This will reveal any cards that you have registered. You’ll then see the Plus.

You may be able to see information about a card that you have previously registered after the screen regarding data privacy. You can choose to Add a Different Card if that card is not what you are looking for.

The iPhone will read your card number by holding it in front of the camera. You can also enter your name and expiry date manually. The card verification number is three digits on the back or four on its front.

After confirming your bank details, the app will send you a confirmation and you’ll be good to go.

Why not just use your credit card before we go further?

Of course. You can, of course.

The U.K. has a PS30 upper limit, but some retailers don’t allow Apple Pay. This means you can pay for your weekly grocery shop or purchase a new iPhone at the Apple Store without having to use your credit card and enter your PIN code.

You’ll be so glad that you discovered Apple Pay if your wallet is missing!

Ok, fine, tell me how it works and how secure it is.

Near-field communication (NFC), which is a feature found in many smartphones, works exactly like a contactless debit or credit card when it’s held close to a reader.

Your card number is not stored on your iPhone and it’s not shared with Apple. Instead, a unique Device Account number is encrypted and stored on your phone.

Apple Pay for iPhones, except iPhone XS, iPhone XS Max, iPhone XR

Apple Pay works with iPhone 6 Plus, iPhone 6s Plus and iPhone 6s Plus as well as iPhone SE, iPhone SE, iPhone 7 Plus, iPhone 7 Plus, iPhone 8 Plus, iPhone 8 Plus, iPhone 8 Plus, iPhone 8 Plus, iPhone SE, iPhone SE, iPhone SE, iPhone SE, iPhone 7 Plus, iPhone 7 Plus, iPhone 8 Plus, iPhone 8 Plus, iPhone 8 Plus, iPhone 8 Plus and iPhone 8 Plus. It works via the Touch ID fingerprint sensor located at the Home button.

This is the shortest explanation of Apple Pay you will find:

Hold the iPhone’s top near the card reader screen and place your finger on Touch ID.

Although it is simple to use, it can be difficult to master. You can try it now.

What do you want me do?

Get used to the Touch ID button’s sensitivity. You don’t even have to turn on the iPhone from standby to do this. Simply rest your thumb or finger that is registered for Touch ID onto the Touch ID button. Is it something you are doing?

Yes, it’s happening. Nothing’s happening.

If you do, then you are doing it right. Although you may not be able to see it, the iPhone is actually noticing your thumb or finger and is searching for the closest card reader. It will not display anything if there isn’t one, but it’s working.

Wait! It did. Siri is my personal assistant.

This is the most common Apple Pay error. Don’t get mad at yourself. Instead of touching the Home Button, you pressed.

This is the most important thing to remember:

It is Touch ID, not Press ID.

When you first use Apple Pay, you won’t panic or feel overwhelmed. This is the learning hump but it can be overcome quickly.

Ok, how can I use it in real-life?

Easy. Double-press the Home button to open Apple Pay. You can check Settings, Wallet, and Apple Pay to see if Allow Access When Locked has been turned on.

Double-clicking on the lock screen does not activate the phone. In this case, you can simply rest your thumb or finger on the Home button.

If there is a card reader nearby, the display will show you the credit card that you are paying with. If you have multiple cards, this is the right time to select the one that you prefer. Tap the card to swipe between them until you find the one that interests you.

You’ll then see an animation that confirms your purchase. Click the tick to confirm. It’s very quick.

This is how Apple Pay works.


It is not fast enough, especially for public transport.

You can pre-arm your Wallet, but don’t panic. This is especially useful if your iPhone is being used to board a train or bus in London.

Double-press the Home button as you approach the Tube ticket or reader barrier. This will wake up your iPhone and launch the Wallet App. You can choose the card that you wish to use for payment. Touch the Touch ID button to select it. Your iPhone will recognize you.

The iPhone will then give you 60 seconds to pay without touching Touch ID again. It means that the iPhone will pay immediately for you during that time. This will significantly speed up the process.

You can always try again if you miss-time it or you still haven’t reached the barrier in the time allotted.

Apple Pay for iPhone X, iPhone XS Max, iPhone XS Max, and iPhone XR

Face ID is a facial recognition technology used in the newest iPhones. The process works in a slightly different way than it does on Apple Watch, but is very similar.

You don’t have to wake your iPhone from standby. However, raising your phone will bring it up to the home screen.

You can pay however you like. Just double-press the side button to launch the Wallet app. The iPhone will then look for you to confirm that it is you. By tapping the card, you can choose which card to use.

Look at the screen. Once it recognizes your face, an animation will show you a smiling face in an animated circle that morphs into an iPhone with the words “Hold close reader”.

You now have 60 seconds to show the iPhone to the reader. This is similar to the pre-arming process. If you miss that deadline, the screen will display the words “Double Click to Pay” on a virtual buttons that perfectly matches the location of the side button.

I am pressing down on the display where it says Double Click, but it isn’t working.

This is not a new thing. You can actually see that the words are moving in the same way as the side button.

It’s the side button, which, as you will have guessed, the iPhone asks you to press twice. It may not be obvious until you point it out.

Now you know everything there is about Apple Pay for iPhone. You are now ready to spend.

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