Apple Pay

What Apple Pay is

Apple Pay lets people use eligible debit, credit, prepaid, or gift cards in Apple Wallet to pay in stores, apps, and online. At contactless terminals, users authenticate with Face ID, Touch ID, or a passcode. At participating websites and in apps, they can select Apple Pay, review payment and shipping details, and confirm on a supported device. Transit payments are available in eligible cities, where Express Mode may allow tapping with an eligible card without unlocking the device. Listed devices include iPhone, Apple Watch, Mac, iPad, and Apple Vision Pro; compatible web browsers and PCs are also supported. Purchases use a device-specific number and unique code rather than sharing the actual card number with merchants. Apple says some card-related, account, device, and location information may be used to assess card eligibility and help prevent fraud. In-store iPhone and Apple Watch payments can work without Wi-Fi or cellular service, though transaction history may appear after reconnecting. Users can suspend Apple Pay through Lost Mode or remove payment cards remotely with Find My. The service is free to users, but card issuers may apply their usual charges or fees. Availability depends on the market, supported card issuer, merchant, and payment network.