With the benefits of an increasingly digitalized world, payment methods have also evolved to keep pace with the frenetic rhythm of technology.

Among these innovations, Apple Pay stands out as one of the simplest, most secure, and convenient ways to conduct financial transactions.

If you are not yet familiar with this revolutionary payment tool from Apple, don’t worry. In this article, we will show you how to use Apple Pay. Follow the article and check it out!

What is Apple Pay?

A person learning How to Use Apple Pay at store.

Apple Pay is a mobile payment service developed by Apple Inc., which allows users to make purchases in physical stores, apps, and websites using Apple devices, such as iPhone, iPad, Apple Watch, and Mac.

Launched in 2014, Apple Pay uses Near Field Communication (NFC) technology and the security of Touch ID, Face ID, or the device’s passcode to authorize transactions.

Unlike traditional payment methods, where you need to insert a physical card or type in payment information, Apple Pay securely stores your credit or debit card details on your device.

These details are protected by encryption and are not shared with merchants during transactions, making Apple Pay a secure and convenient option for making payments.

Additionally, Apple Pay is compatible with various financial institutions worldwide and continues to expand its presence in new markets.

With the growing adoption of mobile technologies and an emphasis on payment security, Apple Pay has become an essential tool for many consumers looking for a quick, simple, and secure way to shop.

How Does It Work?

The operation of Apple Pay involves a combination of advanced technologies and robust security to ensure quick and secure transactions.

To start using Apple Pay, the user needs to set up their debit or credit cards on their compatible Apple device.

This can be done through the Wallet app, where card details are manually added or scanned using the device’s camera.

Once the cards are added, the details are securely stored on the device’s security chip, called the Secure Element.

This chip is isolated from the rest of the system and protected by encryption, ensuring that the card information remains secure and inaccessible to unauthorized apps or third parties.

When the user wishes to make a purchase, they simply hold the device near the NFC-compatible payment terminal.

Then, payment authentication is requested, which can be done via Touch ID, Face ID, or entering the device’s passcode.

Once authorized, communication between the device and the payment terminal is carried out via Near Field Communication (NFC).

The data is transmitted securely and encrypted, ensuring that the card information remains protected during the transaction.

After the transaction is complete, the user receives a confirmation on the device and at the payment terminal, indicating that the payment was successful.

Transaction information is recorded in the Wallet app for future reference.

Thus, Apple Pay simplifies the payment process, eliminating the need for physical cards and offering a quick, secure, and convenient way to shop both in physical stores and online.

By combining cutting-edge technology with stringent security measures, Apple Pay is redefining the payment experience for consumers worldwide.

What Are the Benefits and Disadvantages of Using the Service?

Check out now the advantages and disadvantages of knowing how to use Apple Pay and enjoy the best features it has to offer.


Apple Pay offers a quick and convenient way to make payments, eliminating the need to carry physical cards.

With advanced encryption technology and biometric authentication, such as Touch ID and Face ID, Apple Pay provides an extra level of security compared to physical cards.

Apple Pay is widely accepted in physical stores, apps, and websites around the world, making it easy to use in different locations and situations.

Card information is stored securely on the user’s device and is not shared with merchants during transactions, protecting data privacy.

Apple Pay is integrated into the Apple ecosystem, allowing a seamless and harmonious experience with other services, such as iCloud and Apple Wallet.


Apple Pay is only available on compatible Apple devices, which may be a disadvantage for users of Android devices or other brands.

To use Apple Pay, the device needs to be connected to the internet and have enough battery, which can be a problem in areas with unstable connections or in situations of low battery charge.

Despite its wide acceptance, some establishments may not support Apple Pay, which can limit its utility in certain situations.

Like any technology, Apple Pay may face occasional technical issues, such as system failures or connection difficulties, which can interfere with the user experience.

To ensure security and proper performance, users need to keep their devices and apps regularly updated, which may require additional time and effort.

How to Set Up Apple Pay

Setting up Apple Pay is a relatively simple process and can be done in a few steps.

See our step-by-step guide on how to set up Apple Pay on your device:

  • First, check if your Apple device is compatible with Apple Pay. Generally, newer iPhones, iPads, Apple Watches, and Macs support the service.
  • On the iPhone or iPad, open the Wallet app, which is usually pre-installed on the device. If you are using an Apple Watch, open the Apple Watch app on the iPhone.
  • Tap the “+” button or “Add Card” inside the Wallet app. Then, follow the on-screen instructions to add a new credit or debit card. You can choose to scan the card using the device’s camera or manually enter the card details.
  • Depending on the issuing bank of your card, you may need to authenticate the addition of the card. This usually involves a code sent via text message, email, or phone call to verify your identity.
  • After authentication, the card will be added to your Wallet app and will be ready to use with Apple Pay. You can add multiple cards if you wish.
  • You can also set up a default card for use with Apple Pay, set shipping preferences, and receive notifications about transactions.
  • Depending on your device’s security settings, you may be asked to set up biometric authentication, such as Touch ID or Face ID, to authorize payments with Apple Pay.

Once set up, you can start using Apple Pay to make purchases in physical stores, apps, and websites compatible, just by approaching the payment terminal with your device and authenticating the transaction as needed.

How to Use in Stores and Online Shopping

To use Apple Pay for purchases both in physical stores and online, the process is simple and straightforward.

In physical stores, first, make sure that the establishment accepts Apple Pay and has an NFC-compatible terminal.

When making a purchase, unlock your Apple device, open the Wallet app, and choose the desired card.

Approach the device to the payment terminal and, if prompted, authenticate the payment with Touch ID, Face ID, or the device’s passcode. Wait for the transaction confirmation to complete the purchase.

For online purchases, when you reach the checkout of a compatible website, select Apple Pay as the payment method, if available.

Make sure the device is unlocked and ready for payment. After choosing Apple Pay, authenticate the payment as needed. Confirm the purchase on the website’s checkout page and wait for the transaction confirmation.

In both cases, after the purchase is completed, you will receive a transaction confirmation, either on the device screen or on the website, and the transaction will be recorded in the Wallet app for future reference.

This simple and secure process allows you to enjoy the benefits of Apple Pay in your daily purchases, both in physical stores and online.

Now that you know how to use Apple Pay, you’ve realized that this system is very secure and you can enjoy these conveniences. Take the opportunity for greater security and shop with the system.

And check out other technology and finance tips on our website.