How Apple Pay Works

Apple Pay, which debuted in the United States in 2014, is now widely utilised there as well. If you have never heard of it, it is a payment system that allows you to purchase goods and services using your iPhone, iPad, Apple Watch, or Mac. It is compatible with all iPhone models starting from iPhone 6, iPad Air 2 and above, and all Apple Watch and Mac models. It is usable in real stores as well as online (for instance, to make purchases through the app). The payment in the latter takes place as with contactless credit cards, therefore through the simple approach of the device to the POS, all without commissions or monthly fixed costs.

Apple Pay compatible devices

As already specified at the beginning of the tutorial, Apple Pay is compatible with all iPhone models starting from iPhone 6 and with all variants of the Apple Watch, but the service can also be used on iPad and Mac. Here is a comprehensive list of all the devices that Apple Pay currently supports.

  • iPhone – iPhone 6 and later, iPhone 6 Plus and later, iPhone SE and later, iPhone 7 and later, iPhone SE (second generation) and later, up to the latest iPhone 13 and later models. With these devices, you can pay in physical stores, in apps, and on the web via Safari.
  • iPad – iPad Air 2 and later, iPad mini 3 and later, iPad Pro 1st generation and later, iPad 5th generation and later. With these devices, you can pay in physical stores, in apps, and on the web via Safari.
  • Apple Watch – all models, of course only when paired with iPhone. With these devices, it is possible to pay in physical stores and in apps.
  • Mac – 4th generation MacBook Pro with touch bar, 3rd generation MacBook Air, 5th generation MacBook Pro and all other devices compatible with macOS 10.12 Sierra and later (but only if paired with an iPhone or Apple Watch enabled to use Apple Pay ). With these devices, you can only pay on the web with Safari.

Another important thing to underline is that on the devices on which you intend to use Apple Pay you must have configured an Apple ID associated with iCloud. To know how to create an iCloud account and how to use it, read my tutorial dedicated to the subject.

How Apple Pay works on iPhone and iPad

Standard on supported smartphones is Apple Pay: You can complete the process by adding your credit, debit, or prepaid card to the Wallet app. After inserting it, you can start making contactless payments in stores via your iPhone, iPad, or Apple Watch, as well as making purchases on the web and in apps.

Through Wallet, that is your electronic wallet, a maximum of 8 cards can be inserted and it is possible to set one as the default payment card that will be used as the first choice in case of purchases. which I told you about in detail in my specific guide on 23premiumgames To pay, simply recognize: press the side button twice and authenticate with Face ID or the code in the case of models equipped with this method, or use Touch ID for previous models.

Then all that remains is to bring the top of the phone close to the contactless POS and wait for the transaction to go through. If everything went right on the POS, the wording End or Transaction completed correctly will appear, and on the iPhone (or iPad / Apple Watch) the checkmark on the screen. However, I will explain in detail how to add cards to Wallet and how to pay with Apple Pay in two chapters dedicated entirely to the subject.

How Apple Pay works on Apple Watch

As previously mentioned, all Apple Watches are compatible with Apple Pay. Before using this payment method, however, it is necessary to pair the Apple Watch to your iPhone (for help in case of problems with the pairing procedure of the two devices, I suggest you consult this guide dedicated to the subject ) and, through the iPhone Watch app, set up Apple Pay.

To do this, start the app, then press on the Apple Watch and Wallet and Apple Pay items, then tap on the Add card item, to add a new one, and follow the on-screen wizard to enter the data and verify the identity. For more information on this, I recommend reading my specific guide on If some cards were already saved in the Wallet, however, tap on the card you see in the list under Payment cards on Apple Watch and enter the CVV code to make it active on this device as well.

Once activated, to pay, simply bring the Apple Watch screen close to the POS of a store and then press the side button twice to confirm the purchase; haptic feedback and a slight “beep” will signal the successful payment.

If you want to change your card and not use the one set by default you just have to scroll on the screen and then proceed with the payment as seen above. Even with regard to purchases on apps, it is only necessary to select Apple Pay as a payment method and press the side button of the Apple Watch twice.

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