How to use Apple Pay

Apple Pay works by letting you add a digital copy of your debit or credit card to the Wallet app. Once you're set up, you can use Apple Pay to buy things online, in apps, and in person without having to carry physical credit cards, cash, or a separate wallet. You can also use Apple Pay to send money to friends and family through the Messages app. In some cities, you can even use Apple Pay to replace your transit card for public transportation. In general, Apple will walk you through setting up Apple Pay when you first turn on a new device. But, if for some reason you don't, here's everything you need to know to get started plus some tips on how to use it. No matter what device you set up, the first step is to always check if your device is compatible. For iPhones, this is any model with Touch ID or Face ID, except for the iPhone 5S. You can also use Apple Pay on certain iPads with Touch ID or Face ID and all Apple Watches since Series 1. Mac models with Touch ID ma