How to buy stuff with your iPhone using Apple Pay


Carrying around a heavy wallet full of credit and debit cards isn’t just inconvenient, it’s a security risk when it gets lost.

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Apple Pay may be the solution you’ve been looking for. This mobile payment app, introduced in 2014, has become increasingly popular, especially during the pandemic when people sought contactless payment options to avoid touching shared surfaces.

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Why is Apple Pay considered secure?

Before you set it up, we want to tell you four reasons why Apple Pay is considered safe to use.

  1. When you use Apple Pay, your payment information is Encrypted and stored on a secure element on your device. This means your real credit or debit card information is never shared with merchants, reducing the risk of fraud or theft.
  2. Also uses Apple Pay Biometric authentication, such as Touch ID or Face ID, to verify your identity before allowing a transaction. This adds an extra layer of security to your payment.
  3. In addition, it also uses tokenization, Which means that a unique token is created for each transaction. This token is used to identify your payment instead of your actual card number. Even if the token is held, it cannot be used to make additional purchases.
  4. In addition, it uses Apple Pay Machine learning algorithms To detect fraudulent transactions. If a transaction appears suspicious, it may be blocked, and you will be notified.

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Setting up Apple Pay is easy

Setting up Apple Pay is a straightforward process and can make your life a lot easier. First, make sure you’re signed in with your Apple ID on your iPhone or iPad. Here’s how to check if you’re signed in:

  • Open the “Settings” app on your device. At the top of the screen, you should see your name and profile picture (if you added one). If you’re already signed in, you should see “Apple ID, iCloud, iTunes and App Store” under your name.

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Screenshot instructions on how to select your profile in iOS. (

  • If you’re not signed in, you’ll see a button that says “Sign in to your iPhone” or something similar. Tap this button and follow the on-screen instructions to sign in with your Apple ID.
  • Then, open Wallet app And tap the plus sign in the top right corner to add a new card.

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Screenshot of Apple home screen and Wallet app.

Instructions on how to open the Wallet app. ( )

  • Here you can do things like apply for an Apple Credit Card, scan your debit or credit card, or enter card information manually. For those in Arizona, Colorado, and Maryland, you can also link your driver’s license.

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Screenshot of Wallet app

Instructions on how to add your debit or credit card to the Wallet app. ( )


How to use Apple Pay

After your card is verified, you’re good to go. It’s just as easy to use Apple Pay at the store.

  • Double-click the side button on your iPhone and use Face ID or Touch ID, or enter your passcode to verify your identity.

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Using your iPhone to pay can be as easy as tapping a card reader. ( )

  • Then, hold your iPhone next to the card reader and pay—no need to dig through your wallet for the right card or worry about touching common surfaces.

One of the benefits of using Apple Pay is its widespread acceptance. According to Apple, more than 85% of retail locations in the US accept Apple Pay.

Look for the contactless payment symbol or Apple Pay logo to find out if a location accepts it.

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Apply Pay Logo.

Many places that accept Apple Pay will display their logo. ( )

You can also use Apple Pay for online purchases instead of just physical purchases by tapping Buy with Apple Pay and verifying payment with your biometric authentication (Face ID) or manually entering your password.

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Screenshot of the Apply Pay logo on the GNC website.

Online stores have also integrated Apply Pay into their payment options. ( )

One downside to using Apple Pay

One potential drawback of using Apple Pay is that not all banks or credit card issuers may support it. Before setting up Apple Pay, make sure your bank or credit card issuer is compatible.

In addition, if your iPhone is lost or stolen, you must protect your personal information to prevent unauthorized use. If this happens, you should first use the Find My app to remotely lock your device and display a message with your contact information.

  • To do this, simply open Find My App On another device or laptop where you’re signed in to your Apple ID. The app icon looks like this.

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A screenshot of the home screen with an arrow pointing to the Find My Phone app.

One downside to using Apple Pay is that if you lose your phone, your card information goes with it. (

  • Select the device you want to lock

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Screenshot of Find My Phone app.

Instructions on how to lock your phone. (

  • Activate the Mark as missing Options

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Instructions on how to mark your device as locked. (

  • You can also use this app Remotely erase your iPhoneRemoving all of your personal information and preventing anyone from accessing your Apple Wallet or other sensitive data.
  • Next, you should Contact your bank or credit card issuer To report theft and request that your cards be closed or placed on hold. It’s also a good idea to change your Apple ID password to prevent continued unauthorized access to your Apple Wallet and other personal information if you still can’t locate your phone.

After your iPhone is lost or stolen, Monitoring your bank and credit card accounts It is important to look carefully at any unauthorized charges or suspicious activity. If you notice anything unusual, contact your bank or credit card issuer immediately.

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Final thoughts

Overall, Apple Pay is a convenient and secure way to pay in-store and online. In some countries, such as Italy, for example, the contactless payment option is the preferred method of payment.

With its easy setup process and widespread acceptance, it’s worth considering if you’re looking for a contactless payment option. I know it has saved me many a night when I left my wallet back in the car or at home. Just be sure to check with your bank or credit card issuer and take precautions to protect your personal information.

Ever lost your wallet only to find that someone has stolen and used your credit card? What did you do about it? Tell us by writing to us

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