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Set Up Apple Pay on iPhone

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Apple Pay is a contactless payment platform recently available for iPhone 6 users. It works well and is incredibly simple; Once you’ve added a card to Apple Pay, all you have to do is wave your iPhone through an Apple Pay-compatible NFC payment terminal to pay for everything you buy. The iPhone’s built-in TouchID sensor acts as an authentication mechanism to prevent unauthorized use, and you never have to pick up a credit or debit card after it’s configured. And yes, it works really well once you’ve installed it, and we’re going to address it here.

Apple Pay requires at least iOS 8.1 or later on an iPhone that is at least as new or newer than the iPhone 6 or iPhone 6 Plus (newer iPhone models have NFC payment chips, older ones do not) and an Apple Pay-compatible credit or debit card. Note that you only need the card once for installation, after which you can leave it behind. Supported cards vary, but Apple maintains a list of banks and debit cards that support the feature. The list below is currently up to date, but will certainly change as more banks add additional card support. Let’s now continue to set up and add cards on the Apple Payh iPhone.

Add a card to your Apple Pay iPhone

Do you have a compatible credit or debit card, modern iOS, and a new iPhone? You’re good to go, the rest is a piece of cake:

  1. Open the Passbook app and tap “Set Up Apple Pay”.
  2. Click Add a new credit or debit card
  3. Set up Apple Pay on iPhone

  4. Don’t fill anything, you can do it automatically with your iPhone camera! Take your credit / debit card and place it in reasonably bright lighting, then click the Camera icon next to Card Number and line it all up, give it a moment to recognize the card, and make sure all the information is correct
  5. Automatically fill in Apple Pay credit card information with the camera

  6. Accept the terms of service and then go through the verification process to enable Apple Pay for the card – some cards will get you to call to confirm, others will need to verify the app

Installation is really simple, if you feel like you can go through the process again to add a new card or multiple cards to Apple Pay. Currently, there seems to be an 8-card limit, so plastic jugglers may have to prioritize which cards they want to add to the iPhone. Each card is added to the Passbook, and you can switch between them during payment if you want to use one rewarding card with another.

Make a payment with Apple Pay

So what about the payment side of things? Paying with Apple Pay is a cake when it is set correctly. When it’s time to pay, take your iPhone over the NFC payment terminal, iPhone gets a small alert telling you that the payment is complete, then you just put your finger on the end of the Touch ID at the checkout. That’s it. No signing, no swiping, no handing over the plastic piece.

Using Apple Pay with an iPhone and an NFC terminal

Apple Pay’s support continues among retailers, stores, and restaurants, but something already supported by 200,000 stores already, and that number is likely to grow pretty quickly. Just like the list of supported cards, Apple also maintains a list of stores that allow you to use Apple Pay. Currently, it includes everything from Whole Foods, McDonalds, Macy’s, Bloomingdales, Nike, Texaco, Walgreens, Subway, Petco, Office Depot, Chevron, Toys R Us, Apple Store and a few more.

List of Apple Pay resellers

There are many banks supported by Apple Pay, and a full list is available on Apple’s website here. Below is a sample:

Apple Pay compatible cards at this time

Although Apple Pay is currently officially supported in the U.S., several reports have shown that Apple Pay is available outside the U.S. in several countries, including the United Kingdom, Australia, the United Arab Emirates, and Canada, if the card is issued under U.S. proxies.

If you have a compatible card and a new iPhone, take the time to set up Apple Pay, it’s pretty great and feels a bit like the future. And talking about the future, you can also use Apple Watch to make payments this way.

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FAQ: Set Up Apple Pay on iPhone

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James Hogan
James Hogan is a senior staff writer at Bollyinside, where he has been covering various topics, including laptops, gaming gear, keyboards, storage, and more. During that period, they evaluated hundreds of laptops and thousands of accessories and built a collection of entirely too many mechanical keyboards for their own use.


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