On iPhone SE, iPhone 6, iPhone 6 Plus, and later, you can use Apple Pay (not available in all areas). With Apple Pay, you can keep up to eight credit and debit cards available for making contactless payments in stores, and for making payments within apps that support Apple Pay. (Apps supporting Apple Pay sell physical goods and services such as clothing, electronics, health and beauty products, and tickets; let you make reservations; and more.)
Credit cards and debit cards, including store credit and debit cards, appear at the top of your Wallet stack, above your passes. The last four or five digits of your card number appear on both the front and the back of a payment card. The front of a card also shows your most recent activity. The back shows the last four or five digits of the Device Account Number—the number transmitted to stores and apps for the purchase—and may also display up to 10 recent authorizations and other Apple Pay activity such as payment refunds. (Apple Pay activity is included on your credit and debit card statements.)
Add a credit or debit card. Next to Apple Pay, tap , then tap Next on the screen that follows. Then, position iPhone so that your card appears in the frame. Card details are added automatically, but you may be asked for additional information.
The first time you add a credit or debit card to Wallet, you may be prompted to use the card you use with iTunes (unless it’s the card designated for Family Sharing purchases, and you aren’t the primary cardholder. Next to Apple Pay, tap , then tap Next on the screen that follows. You are presented with the last four or five digits of the card on file. Enter the security code for the card, then tap Next.
Note: The card issuer determines if your card is eligible to use with Apple Pay, and may ask you to provide additional information to complete the verification process. Many credit and debit cards can be used with Apple Pay.
Set your default card. The first card you add to Wallet becomes your default card for payments. To use a different card as your default, touch and hold the card in Wallet, then drag it to the front of your credit and debit cards in Wallet.
Pay at a contactless card reader. Contactless card readers, marked with the following symbols, are usually located near cash registers.
To pay using your default card, hold iPhone with your finger on Touch ID about an inch (or 2.5 cm) away from the symbol on the reader, until iPhone vibrates. You hear a beep and see the card onscreen with a Done checkmark when the card information has been transmitted to the merchant. Or double-click the Home button and keep your finger lightly on the Home button when iPhone is locked to access Wallet and authorize an upcoming payment. Then hold iPhone near the contactless reader until iPhone vibrates, you see Done, and hear a beep.
When you add a store credit or debit card to Wallet, and set it up for Automatic Selection, it will be used with the associated merchant rather than the default card.
Note: If you have Location Services turned on, the location of your iPhone at the time you make a purchase may be sent to Apple.
Use another card. Hold iPhone near the reader until your default card appears. Tap the card to reveal all your cards in Wallet, tap the card you want to use, then place your finger on Touch ID and hold iPhone near the reader until you feel iPhone vibrate and see the Done checkmark, indicating that the card information has been transmitted to the merchant. On iPhone 6s and iPhone 6s Plus, you can press the Wallet icon on the Home screen to quickly access your default card.
Pay within an app. Make your selections for goods or services within an app. When checking out, look for the Apple Pay payment option. Tap the Apple Pay button or app checkout button, then review the information that appears (for example, the card you’re using for the payment, your email, and the shipping method). Make any changes before using Touch ID or your passcode to complete the payment.
Activity details appear on the front of the credit card used for the purchase. In addition, you may receive a notification with the merchant name, and the amount authorized for the purchase.
Note: The authorized amount may be different from the amount of the payment charged to your account. For example, a gas station may authorize $99, even though you only pump $25 worth of gasoline. Always check your credit or debit card statement for the actual charges.
View your recent credit card activity. Tap a credit or debit card. Your most recent activity may appear on the front. Tap to view a list of your recent activity on the back of the card.
Suspend and remove cards. You have several options for suspending or removing credit and debit cards. To remove a credit, debit, or store card from Wallet, tap the card, tap , then tap Remove Card. To remove an inactive card, tap Remove on the front of the card. If your iPhone is lost or stolen and you have enabled Find My iPhone, you can use it to help you locate and secure your iPhone—including suspending or removing the ability to make purchases using the cards in Wallet. You can log in to your account at iCloud.com and remove your cards in Settings > My Devices. You can also call the issuers of your cards.