Join Garrick Chow for an in-depth discussion in this video Apple Pay, part of iOS 12: iPhone and iPad Essential Training.
- [Instructor] Now let's talk about Apple Pay. With Apple Pay, you can store your credit card information on your iPhone or iPad and then easily make purchases both online and in actual physical stores that support Apple Pay payments. Apple Pay for in-store purchases is available only on iPhones released since and including the iPhone 6 and 6 Plus. These phones contain the necessary hardware to interact with the special payment terminals found in stores that support Apple Pay. Online Apple Pay purchases, meaning purchases you make on your device, either through the company's website or through their app, are also supported by the iPhone 6, 6 Plus, and later, as well as the iPad Pro, the iPad Air 2, and the iPad Mini 3, and later.
But the basic idea behind Apple Pay is that it eliminates the need to pull your credit card out of your wallet when you want to make a purchase, since all of the information is stored on your phone. Also, and this is a big advantage in my opinion, your credit card information is never handled by the merchant. Instead, when you make an Apple Pay payment, a temporary credit card number is generated for that purchase. The merchant still receives payment and you still receive whatever it is you're purchasing but the merchant doesn't get your actual credit card number and other information. If you've kept up with the news, you've probably heard plenty of stories about major retailers having their systems hacked and millions of credit card numbers being stolen.
By keeping your actual credit card number out of the hands of the merchants, you don't have to worry about this sort of thing. You can read more about the details of Apple Pay at this website, Apple.com/Apple-Pay. Let's take a look at how to set it up. The credit cards you wanna use with Apple Pay are stored in Wallet. As I mentioned earlier, one of the ways you can use Wallet is to store tickets, boarding passes, customer loyalty cards, and other similar things that can be scanned instead of printing paper versions. This is also where you can store cards to use with Apple Pay.
So the Wallet screen is divided into the Apple Pay section at the top and the passes section in the bottom half. Let's take a look at how to add a credit card to use with Apple Pay. Now one way is to tap the plus button here, in the upper right hand corner of the screen and that will start walking you through the process. I'm gonna cancel that for a moment though. Another way to add a card is to go into settings and down to Wallet and Apple Pay and this is where you would go on an iPad, which doesn't come with the Wallet app. So even though you're not to make in-store purchases with an iPad, you can still use Apple Pay in iOS apps that support it.
So here under payment cards, I'm gonna tap add card. Now if you're not already using a passcode on your device, you'll see a message telling you that you have to set one up. Since you're gonna be keeping credit card info on your device, you're required to keep it passcode protected. You'll also have to enable Face ID or touch ID if you wanna be able to use your iPhone to pay at in-store terminals. I already have a passcode and Face ID set up on my device, so I can just start walking through the process of adding a card. So from this screen here, I'll tap continue and that activates my phone's camera and all you have to do here is line up your card with the box on the screen.
Now, I'm not actually gonna bring my card on screen right now but you can also enter the card details manually by tapping that option here at the bottom of the screen. Basically, you'll just follow the steps to enter your card info. So I'm gonna go ahead and enter one of my credit cards now, but I'm not gonna do it on screen, so we'll just jump ahead. All right, so I've gone ahead and entered my credit card information. I'll tap next to verify the card. Here, I have to accept the terms and conditions. I'll tap agree. Now at this point, you'll find out if your particular card's issuer supports Apple Pay.
More and more banks are getting on board with Apple Pay all the time, but if you have a card that can't be used yet, try another card or contact your bank to see if they'll be adding support. But if your bank does support Apple Pay, this next step will vary. Depending on the card or bank you're using, you may or may not have to perform additional verification steps. Some banks require you to make an actual phone call to their toll-free number to verify that you are the owner of this card and want to enable it for Apple Pay. Other cards will text you a confirmation code you can enter into your phone to verify the card. And some banks don't require any additional verification at all.
So your process will depend on the card you're entering here. In this case, I'm being offered several options for confirming this card. I'll choose one of these text message options and I'll tap next. So my bank is going to text me a code that I'll have to enter in here to verify the card. All right, so I've received the code. I've typed it in. And I see the message that my card is ready for Apple Pay. I'll tap continue. And there are a couple more bits of information you'll need to enter here. Here under Wallet and Apple Pay settings, under transaction defaults, if you've added more than one card, you can select which of your cards will be the default card when you make purchases.
I just have the one right now, so I'll leave that selected. Next, you can select a shipping address. This is used when you make online purchases with your iPhone or iPad and eliminates the need to have to enter that shipping information manually. You'll also wanna add your email and phone number for contact and verification purposes. All right, so let's go back to Wallet. So there's my card, ready to use. That's how to set up a card to use with Apple Pay. So how do you actually use it to make a payment in a store? Again, this is currently only possible with an iPhone 6 or 6 Plus, and later, all of which contain the chip to communicate with the special sensors set up at stores that support Apple Pay.
Again, you can check out the Apple Pay website for a list of retailers that support Apple Pay. But basically, once you find yourself at a cash register that supports Apple Pay, there will be a pad or sensor there, usually with an Apple Pay logo. When the cashier prompts you to make your payment, instead of sliding or inserting your credit card as you might normally do, just take out your iPhone and double click the side button. Wallet will pop open and your default credit card will be selected. You can tap to select another card at this point if you want but once your card is selected, you can confirm the payment either with Face ID, or in older iPhones, by holding your finger down on the Touch ID sensor.
So you can see I've confirmed my ID. It says hold near reader and once I do that, the reader will register my credit card. And then a few moments after that, you'll see a notification pop up on your screen telling you that you've made a purchase with Apple Pay. And you'll also be able to see a record of all of your payments if you go back into settings and select your card. Here, select transactions, and you'll see a list of all your recent transactions. But that's really all there is to it. You double click the side button, confirm with your face or a fingerprint, and you've made your payment.
And if you check the receipt they hand you, you'll see that the last four digits of the credit card that gets printed on the receipt are not the actual last four digits of your credit card, but instead it will be of the temporary card that was generated when you made your payment. That's pretty great. Right, so that's how to make an in-store purchase. Let's wrap this up and look at how to make a purchase online with Apple Pay. This again, is the only way you can make payments with an iPad, since they don't support in-store payments. First of all, you need to make sure you're using an app that supports Apple Pay. One way to do this is to go to the App Store and do a search for Apple Pay, which will let you browse for apps that use Apple Pay.
Now for this example, I've downloaded and installed the Apple Store app. Now, each app is gonna be different, in terms of how you browse for products but the payment process is gonna be pretty much the same across the board. I've already added a product to my shopping bag, so I'll go to the bag here. And this is where we can check out and notice one of the options here is buy with Apple Pay. You'll only see this option if you've set up Apple Pay on your device. So if I tap that and then tap the Apple Pay button here at the bottom, I can confirm here and make my purchase. And by the way, this is why you wanna make sure you enter your shipping address in the Wallet and Apple Pay settings.
Whatever address you have in there is where your purchase will be sent. Now obviously, I don't have real information in here, so I can't make this purchase, but as long as you've entered that information, all you'll have to do is confirm your purchase with Face ID or Touch ID and you can make your purchase right away. I'll just cancel that, since I don't really wanna buy this right now. But you can see this eliminates the need to fish out my credit card, type in a bunch of numbers, and enter my shipping and billing address. I only had to do that once when I set up the card. And now, any time I wanna make a purchase in-store or in an app, as long as it supports Apple Pay, my payments are quick, easy, and secure.
All right, so that's how to set up and use Apple Pay.
- Using gestures and 3D Touch
- Backing up and syncing music, photos, contacts, and more
- Making video calls with FaceTime
- Sending and receiving money with Apple Pay Cash
- Playing music
- Getting directions from Maps
- Adding events to your calendar
- Using the built-in apps
- Setting important privacy and usage options
- Controlling your device with Siri
- Troubleshooting your iOS 12 device