How to Set Up and Use Apple Pay

Find the Wallet app on your iPhone home screen. The icon looks like a stack of colored cards. Open it, then look at the top-right corner of the screen for a plus (+) button. Tap it to start adding a new card.

If you can't find the Wallet app, swipe down on the home screen and type Wallet into the search bar. It comes pre-installed on every iPhone and can't be deleted, so it's there somewhere.

You'll see a list of card types you can add: Debit or Credit Card, Transit Card, Driver's License and ID Cards. For paying at stores and online, tap the top option - Debit or Credit Card. Then tap Continue on the next screen to confirm.

The transit and ID options are for separate features (subway passes, state-issued ID) and don't apply here. You can always come back later to add those.

Your iPhone now wants to read the card. Hold the physical card flat against the back of your phone, lined up with the camera. The phone will pick up the number and expiration date in a few seconds.

If the scan won't catch (worn cards, dark lighting), tap Enter Card Details Manually at the bottom of the screen and type in the number, expiration date, and security code yourself. The result is the same either way.

Your bank or card issuer has to confirm it's really you adding the card. Most banks send a one-time code by text or email - check the number on file with your bank and type the code into the verification screen. Some banks ask you to call them or approve the request inside their own app.

Once approved, the card appears in your Wallet and is ready to use. If you have multiple cards, open Settings > Wallet & Apple Pay to pick which one is your default.

At the checkout, look for the contactless symbol (four curved waves) or an Apple Pay logo on the card reader. Double-click the side button on your iPhone, glance at the screen to authenticate with Face ID, then hold the top of the phone near the reader. A chime and a checkmark mean the payment went through.

If your iPhone has a Home button instead, double-click that and rest your finger on the Touch ID sensor. On an Apple Watch, double-click the side button and hold the watch face near the reader.

When you're shopping in Safari or in an app, look for an Apple Pay button at checkout - it's a black pill with the Apple Pay logo. Tap it to skip the usual form-filling. A sheet slides up showing the card, the shipping address, and the total. Review the details, then double-click the side button and authenticate with Face ID, Touch ID, or your passcode to confirm.

You can also tap the card row to switch to a different card on file, or tap Other Cards & Pay Later Options if your card supports it. No need to type a card number into a website ever again.