About Apple Pay

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, Apple Watch, and Mac without a physical card or cash.

What you need to use Apple Pay

Add a card to the Wallet app

You can start using Apple Pay as soon as you add your credit, debit, or prepaid card to Wallet. Remember to add your cards to any device that you want to use with Apple Pay.

On your iPhone, Apple Watch, iPad, or Mac with Touch ID, you can use Apple Pay as soon as you add your credit, debit, or prepaid card to Wallet.

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

Use Apple Pay

You can use Apple Pay to buy things in stores, within apps, on the web in Safari, and to ride transit.

You can also use Apple Pay to send and receive money in the Messages app with Apple Cash.2

When you pay using Apple Pay, you continue to get the rewards, benefits, and security that your credit, debit, or prepaid card provides.

If you use Apple Card1 with Apple Pay, you can get Daily Cash on your purchases.

Return and get a refund for items you bought with Apple Pay in a store

The cashier can use the Device Account Number to process your return. 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 Apple Watch:

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

If the cashier needs your card details:

  • On the device that you used to buy the item, choose the card that you want to be refunded in Apple Pay.
  • On your iPhone, hold the device near the reader and authorize.
  • On your Apple Watch, double-click the side button and hold the display of your Apple Watch within a few centimeters of the contactless reader. 

For items that you bought using a Suica or PASMO card with Apple Pay, return the item to the same terminal where you made the purchase before you use Suica or PASMO to make another purchase with Apple Pay.

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

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

How to check your Apple Pay transactions

Check your recent transactions

  1. Open the Wallet app on your iPhone.
  2. Tap the card that you want to check transactions for.
  3. Tap a transaction to see more details.

Depending on your bank or card issuer, you might see only transactions made from your device. Or you might see all transactions made from your credit, debit, or prepaid card account, including all Apple Pay devices and your physical card.

To check your recent transactions in the Watch app on your iPhone:

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

Some banks or card issuers provide only initial authorization amounts to Wallet that might be different from the final transaction amount. For locations like restaurants, gas stations, hotels, and car rental companies, transaction amounts in the Wallet app might look different than they do on your statement. Always refer to the statement from your bank or issuer for final transaction details. For Apple Cash, you can get a statement sent to your Apple ID email address.

You can also review your individual Apple Card transactions.

How secure is Apple Pay?

Apple Pay is safer than using a plastic credit, debit, or prepaid card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with Face ID, Touch ID, or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch or when you pay using Apple Pay. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers. 

When you pay in stores, neither Apple nor your device sends your actual card numbers to merchants. When you pay within apps and on the web in Safari,3 the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

Learn more about Apple Pay security and privacy.

What to do for Apple Pay when devices are missing or stolen

See how you can suspend or remove the ability to use Apple Pay on a missing or lost device. Or you can remove all cards in the Wallet app that you use with Apple Pay on a device.

Use your plastic credit, debit, or prepaid cards after you suspend or remove cards in Wallet

When you suspend or remove your cards in Wallet, you can continue to use your plastic cards. Only your device-specific Device Account Number is suspended or removed.

Learn more

  1. If you're an app developer, learn how to accept Apple Pay within your app or on the web.
  2. If you're a merchant, learn how to accept Apple Pay in your store.
  3. Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Face ID, Touch ID, or a passcode. On your Apple Watch, you need to set up a passcode. If you sign out of iCloud or remove your passcode, all credit, debit, prepaid, student ID cards, and transit cards will be removed from that device.