The standard shortcut for opening the Apple Wallet (for Apple Pay) on a modern iPhone in 2026 is a double-click of the side button (or the Power button). This can be done even when the phone is locked. Once double-clicked, your default payment card will appear, and you can authenticate using FaceID, TouchID, or your passcode before holding the phone near the contactless reader. To ensure this shortcut is active, you should go to Settings > Wallet & Apple Pay and toggle on the "Double-Click Side Button" option. If you are using an older iPhone with a Home button, the shortcut is a double-click of the Home button from the lock screen. For even faster access in 2026, you can also add a "Wallet" widget to your lock screen or use the "Back Tap" accessibility feature (found in Settings > Accessibility > Touch) to open the app with two or three taps on the back of the phone.