What is Apple Pay and how does it work?

Digital technologies have become inseparable from the way we live. Our gadgets are always with us, no matter where we go. You can use them to remote control your home devices and pay. Many people own Apple devices now. If you are tired of the different cards, Apple Pay will become your life-saver. How to use Apple Pay, and what it is? Does Apple Pay Have Fees? Let`s consider all these questions.

What is Apple Pay?

Apple Pay is an electronic wallet through which you can make different actions with money – for instance, payments, transfer money. It works on your iPhone, iPad, Apple Watch, Mac and Vision Pro. You should only add your credit and debit cards to your device. Afterwards, you should hold your mobile device near any payment terminal. Moreover, Apple Pay allows one to send money from one user to another or split the bill by requesting money with Apple Pay.

Purposes of Apple Pay

Сontactless payments are widespread so that you can use Apple Pay almost everywhere. However, understanding how to use Apple Wallet is crucial.

How do you know whether a shop has a contactless payment? Most stores have a sign that shows whether a shop has a contactless payment. It will be displayed on your way into the store or near the checkout.

It would be a relief if you didn’t have to worry about the prices when moving worldwide. Apple Pay is available in the USA, Canada, the Middle East, and most countries in Europe, Asia, and Latin America. To find more information, you can visit the official Apple website. You don’t need to worry about the current exchange rate, Apple Pay will exchange money according to it.

Apple Pay can be used in stores and restaurants that are famous worldwide: Nike, Adidas, McDonald’s, KFC, Starbucks, etc.

Moreover, Apple Pay is available on many apps and websites. You need to check the site for the availability of the payments by Apple Pay. You can do it by finding the sign in the site’s menu.

Which Apps Support Apple Pay?

Most app developers understand that the support of Apple Pay is an important feature. Numerous virtual services, such as shopping, entertainment, and service apps, support it. There is a list of apps supporting Apple Pay:, Uber, Zara, Levi’s, Sephora, Ultra Beauty, American Airlines, Costco, Wayfair, Etsy, Shell, etc.

Specifics of Apple Pay

  • Convenience

The primary benefit of utilizing Apple Pay lies in its convenience, enabling you to forego the need to carry cash or cards. As an Apple device is always with you, you can make payments everywhere. Moreover, it is a quick way to transfer money, you don’t need to spend time on unnecessary stuff.

  • Security

Apple cares about your security, they understand the importance of saving financial operations. Secure Element and tokenization are ways to make your transfers secure.

  • Integration

Apple Pay is a service compatible with all your Apple devices. You can access Apple Pay from the Wallet app on your iPhone, iPad, or Apple Watch, as well as from the Safari browser on your Mac. Moreover, it is integrated into various apps and services, allowing users to make payments without entering information manually. We will answer further: “How to use Apple Pay on iPhone and other devices?”

How Does Apple Pay Work?

It is crucial to understand “How does Apple Pay work?” so you’ll never have problems when you use Apple Pay.


The first step is to check if your gadget has the Near Field Communication (NFC) antenna and Touch ID or Face ID. Smartphones, starting from the iPhone 6, have this antenna. Moreover, your gadget should be compatible with the Apple Pay app.

How to get Apple Pay? You can find it in your device settings.

Apple Pay is widely supported by banks, financial institutions, merchants, and apps worldwide. Visa, Mastercard, American Express, Discover, and various payment processors and platforms can work with Apple Pay.

Apple Pay Settings: How to Get Apple Pay?

Apple Pay is user-friendly, so setting up is manageable.

  • Adding card: When adding a card, newcomers to Apple Pay will receive guidance on “how to use Apple Pay.” Users can add any card of their choice by accessing the Wallet app on their device and following the prompts to include a new card. Moreover, you can add cards through the Settings app.
  • Verification: The bank can require proof. You can enter the card details manually or verify through the banking app or website.
  • Authentication: The last step is submission. The app will deliver the verification code to you, and you should authenticate it using biometric methods such as Touch ID or Face ID.

Payments: How to Pay with Apple Pay

Here’s a guide on how to use Apple Pay on an iPhone or Apple Watch for different purposes.

Purpose Steps Description
Stores: How to use Apple Pay in stores Сheck NFC Check if the NFC is turned on
Tap to Pay Bring your iPhone or Apple Watch into proximity with a contactless checkout
Authentication Use Touch ID, Face ID, or your device passcode to authenticate the transaction
Transaction Complete You’ll receive a message confirming the purchase
Online and In-App Purchases: How to pay with Apple Pay in online stores Select Apple Pay The website will prompt you to choose a payment method, and opting for Apple Pay is recommended.

There is always information on the website about whether it is possible to pay with Apple Pay.

Authentication Touch ID, Face ID, or their device’s passcode is the primary method of authentication
Confirmation You’ll receive a notification confirming a purchase
Peer-to-Peer Payments: How to pay someone with Apple Pay Initiate Payment Users can initiate a payment by opening the Messages app. Select the recipient and tap the Apple Pay button.
Enter Amount You should enter the amount you want to send and authenticate the transaction via Touch ID, Face ID, or the device’s passcode.
Confirmation You can only send money from one Apple Pay account to another. Both accounts will receive the confirmation of a transaction.

Our table will help you understand how to use Apple Wallet.

Security Measures

When discussing how to use Apple Wallet, it is essential to understand how to keep Apple Wallet protected. Several security measures exist:

  • Tokenization: Apple Pay can use tokens during transactions. This function helps prevent the card numbers from being shared with merchants or stored on Apple’s servers.
  • Authentication: Every payment is followed with authentication, such as Touch ID, Face ID, or their device’s passcode. It guarantees that only the authorized user can make payments using their device.
  • Secure Element: There is a Secure Element in your device. It is a dedicated chip that encrypts and protects sensitive data.
  • Specific Account Number: Each card is assigned a particular account number. This number is securely stored on the device.

Does Apple Pay Have Fees?

This is a common question: “Does Apple Pay have fees?”. Apple Pay has no fees for in-store, online, or in-app purchases. Transactions are made using the same payment networks used by traditional credit and debit cards, so there are no additional fees for using your cards. However, it’s crucial to know that some websites and other services may have their policies regarding fees for transactions or services. Apple Pay is a comfortable, cost-effective payment solution for users seeking to make secure and efficient transactions with their Apple devices.

What do I do if I lose my iPhone or Watch?

If you lose your iPhone or Watch, panic is unnecessary. Panic can’t solve your problem. You should make a decision calmly.

  • Remote block and erase: The first step is to use Apple’s Find My app or iCloud to block and erase devices remotely. If someone finds your device, you can use this feature to lock it and display a customized message with your contact information.
  • Suspend Apple Pay: You can take prevention measures by suspending Apple Pay. You may do this by logging into your iCloud account or using the Find My app to remotely remove your cards from Apple Pay on the lost device.
  • Contact your bank: You should report losing your phone to the bank. Most banks offer 24/7 customer support and have procedures to assist customers with lost or stolen cards.
  • Monitor your accounts: After taking all preventive measures, you should monitor your bank accounts and credit card statements for suspicious activity. Contact the bank immediately and discuss the problem if you see anything suspicious.


Apple Pay has transformed how people make payments, offering a convenient and secure payment across various devices and platforms. During the pandemic, we realized that cash could carry diseases. Plastic cards can deteriorate quickly and need to be replaced very often. Otherwise, our devices are always with us. Never worry about leaving your wallet at home with Apple Pay. Moreover, it can become the answer to the question “How to pay someone with Apple Pay?” thanks to peer-to-peer payments.

Overall, Apple Pay is the answer to many questions related to payments. We hope we have answered your question about how to use Apple Pay.