How to Use Apple Pay on iPhone 13

Contact-free and secure transactions await you

What to Know

  • Use Apple Pay on iPhone 13: Double press the Side button > authenticate with Face ID > Hold iPhone near payment terminal.
  • If you're wearing a mask and so can't use Face ID, wait until Face ID times out > Pay with Passcode > enter your iPhone's passcode.
  • You can have more than one card added to Apple Pay.

Apple Pay is a fast, secure, and contact-free to pay for purchases in stores and on the web. This article explains how to use Apple Pay on iPhone 13 and how Apple Pay works.

Can an iPhone 13 Use Apple Pay?

Yes! Like all iPhone models since the iPhone 6 series, the iPhone 13 can use Apple Pay at stores that accept it and that have compatible payment terminals. In order to use Apple Pay on the iPhone 13, you need to have:

  • A debit or credit from a bank that supports Apple Pay.
  • Set up Apple Pay with your debit or credit card.
  • Set up Face ID on your iPhone 13.
  • Signed into iCloud on your iPhone.
Apple Pay logo

Apple Inc.

How Do I Use Apple Pay on My iPhone 13?

If you've met all of the requirements from the previous section and are ready to start using Apple Pay on iPhone 13, follow these steps:

  1. When you're ready to pay at a store that supports Apple Pay, wait until the cashier says that it's time for you to pay. Often, the credit card terminal has a light that indicates it's ready for payment.

  2. Double click the iPhone's Side button.

  3. Hold your iPhone 13 close to the payment terminal.

  4. Approve the transaction by looking at your iPhone screen to use Face ID.

    If you're wearing a mask and can't authenticate using Face ID, wait until Apple Pay times out. Then tap Pay with Passcode, enter your iPhone passcode, and the transaction will go through.

  5. A Done checkmark will appear on the iPhone screen and the payment terminal
    will move on to the next step. You may need to enter a debit card PIN in some cases.

Want to go deeper with Apple Pay or need troubleshooting help? We can teach you how to remove a card from Apple Pay using iCloud, how to use Apple Pay Cash, and what to do when Apple Pay isn't working.

How to Set Up Apple Pay on iPhone 13

Need to set up Apple Pay on iPhone 13? Follow these steps:

  1. Open the Wallet app.

  2. Tap +.

  3. Tap Debit or Credit Card.

  4. Tap Continue.

    Plus (+), Debit or Credit Card, and Continue in Apple Pay app
  5. Position your credit card in the viewfinder on the screen and the Wallet app will detect it and add it. Verify the card number and tap Next.

  6. Verify the expiration date, add the three-digit security code, and tap Next.

  7. Agree to terms and condition.

    Add Card, Next, and Agree highlighted in Apple Pay on iOS
  8. Decide whether to make the new card your default (this will only be needed if you have multiple cards added to Apple Pay) and whether to add the card to Apple Pay on Apple Watch.

  9. Tap Done and the card will now be available for use with Apple Pay in your Wallet app.

    Use a Default Card and Visa Card highlighted in Apple Pay app

How Does Apple Pay Work on iPhone 13?

Apple Pay works using a combination of Near-Field Communications (NFC) for wirelessly transmitting data. and Apple software and services.

Apple Pay is more secure than just a debit or credit card because it never gives your actual card number to the merchant you're paying. Instead, Apple Pay creates a one-time, disposable card number for each transaction. Apple knows both the one-time card number and your actual card number. When money needs to be sent from your account to the merchant, it is sent through Apple's servers—where the one-time and real card numbers are matched to each other to complete the transaction while maintaining your privacy—and then to the merchant.

The last step in the process—sending the data from your phone to the merchant's payment terminal—is done using NFC, a short-range wireless networking technology used for payments and device tracking.

FAQ
  • How do I send money through Apple Pay?

    To send money with Apple Pay on your iPhone or iPad, open the Messages app, start a new conversation or tap an existing one, then tap the Apple Pay icon. If you don't see it, tap the App Store icon first.

  • Does Apple Pay have a monthly fee?

    No. Apple Pay doesn't require any transaction fees or ongoing service fees from regular users. However, vendors pay Apple a transaction fee for each purchase.

  • Which banks use Apple Pay?

    Apple partners with major banks and credit card companies around the world including American Express, Bank of America, Discover, and Wells Fargo. You can see the full list of Apple Pay participating banks on Apple's website.

  • Is Apple Pay safe to use?

    Yes. Instead of storing your card information in the Apple Pay app, Apple assigns your device an encrypted ID that's saved in a secure location on your device. As long as you take steps to protect private data on your iPhone, you have nothing to worry about.

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