How to pay with Apple Pay?

Pay with your iPhone
  1. To use your default card: If your iPhone has Face ID, double-click the side button. ...
  2. To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
  3. Hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the display.




To pay with Apple Pay in 2026, you must first ensure your card is added to the Apple Wallet app. For in-store purchases using an iPhone with Face ID, double-click the side button, authenticate with your face, and hold the top of the phone near the contactless reader until you see a checkmark. For older iPhones with a Home button, double-click the Home button instead. If you're using an Apple Watch, double-click the side button and hold the watch face near the reader. In 2026, Apple Pay has also expanded into "Tap to Pay on iPhone," allowing you to pay small vendors directly by tapping your phone against theirs. For online or app purchases, simply tap the "Apple Pay" button at checkout and confirm with your biometric ID. This remains one of the most secure ways to pay in 2026 because your actual card number is never shared with the merchant; instead, a unique "token" is used for each transaction.

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Look for the contactless symbol on the card reader. The four curved lines that appear on your card should also appear on contactless-enabled card readers. When prompted, hold the card within one to two inches of the contactless symbol.

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