Join Nick Brazzi for an in-depth discussion in this video Setting up a credit card with Apple Pay, part of Learning Apple Pay and iOS 8.1.
- To use Apple Pay, the first thing you'll need to do is register your credit card to work with the Passbook app on your iPhone or iPad. Remember, Apple Pay does not work with all iOS devices. You might want to check out this website to make sure that your device is compatible. There's lots of information here about Apple Pay, and if you scroll all the way down to the bottom, there's a list of the devices that will work with Apple Pay. Assuming you have a compatible device, it will have the Touch ID sensor.
Touch ID is the feature on certain iPhones and iPads that allows you to verify certain actions using just your fingerprint. So you will need to have Touch ID already set up to use Apple Pay. Next, you'll need to locate the app called Passbook, which I have here on the Home page. I'll just tap that to launch Passbook. Now, Passbook is an app traditionally that you would use to store things like gift cards or movie tickets or airplane tickets, stuff like that. But you can now also store your credit cards inside of Passbook.
Now you can see, I have a whole bunch of movie tickets that I've purchased in the past, as well as a few show tickets here. But I also have one credit card because I've already set up one of my credit cards to work with Apple Pay. To add a credit card, you just want to swipe down on your list here in Passbook until you see the plus sign up at the top, and then you can tap the plus sign here. And you can go about the process. I'm going to back out of this for just a moment because I want to show you another way of getting into this. If you go into Settings, and you're looking for this option for Passbook and Apple Pay.
If I tap on that, I can add a new credit card here, as well. And, again, you can see I have one credit card here. So let's go about the process of adding a new one. I'm going to tap on this, Add Credit Card or Debit Card. And from here, you've got two options. You can type in the information on your card, or you can use the camera to capture information from your card. What I'm going to do is hit the camera button. And you can see there's a little box here. I just want to position my card in this frame, and it should detect the relevant information.
Now, it's interesting to see that some credit cards use different colors, and sometimes it's harder for the camera to capture certain information. For example, this captured my card number, but it did not capture my full name or the expiration date. So I'll have to manually type that information in. Once you've put in all that information, it'll go through the process of verifying your card. From here, you're going to have to agree to the terms and conditions, so I'll tap Agree, and Agree again.
And now my card is set up in the app. But I still have to verify this card by calling my bank and getting it approved. Most banks will require this extra verification with just a simple phone call before you'll be able to use your credit card in Apple Pay. I can see the only option here is the phone call verification. So that's checked off, and I'll hit Next. Now we can see, if I tap on the first credit card that we saw when I first launched this, I can see that everything is completely set up. But if I take a step back and go into my new credit card, it says that it's ready to verify, and it has this option to call Bank of America.
I could actually tap this here, and it would call Bank of America here on my iPhone, and it would take me through the verification process. Or, if I go over to Passbook and I choose that card, you can see it's prompting me to call Bank of America here, as well. I'm going to go ahead and do that. I'm going to pause this recording and I'm going to call Bank of America and I'm going to come back once I've got this verified. Okay, now I've finished with that phone call. It only took a few minutes. I just had to talk to a representative at Bank of America who asked me to confirm some information about my account and then validated my card.
I can see here, in the Passbook app, my credit card is now verified. And it says, BofA Visa Credit Card is ready for Apple Pay. And because I already had my other card set up, I now have both my debit card and my credit card all set up. If I go back to Home, go into Settings, you can see here, in Passbook and Apple Pay in Settings, I have two credit cards ready to go. Now that I have the cards all validated inside of the Passbook app, I need to fill out just a few more bits of information here.
First, I need to choose which card will be my default. If you only have one credit card, you don't have to worry about this. Let's say I want to use my credit card as my default, not my debit card. So I'll select that one and I'll hit Back. Then I just have to fill out my billing address, shipping address, email and phone number, and then I'll be all ready to use Apple Pay with these credit cards.
Note: Apple Pay works only with late-model iOS devices, including the iPhone 6 and 6 Plus, iPad Air 2, iPad mini 3, and the Apple Watch.