How to Set Up Apple Pay on Your iPhone

Apple Pay has been around awhile now, but I’ve only just started using it. While the service has been available, retailers and small business have had to adapt to the new technology, which has taken quite some time. But with Apple Pay now in Safari, more and more businesses always adding Apple Pay to their pay options, and more banks and credit unions making it possible to set up Apple Pay on your iPhone, now is a good time to actually start using the darn thing. Here’s how to set up Apple Pay on your iPhone.

Related: How to Use Apple Pay in Safari on iPhone

Master your iPhone in one minute a day:

Sign up to iPhone Life's Tip of the Day Newsletter and we'll send you a tip each day to save time and get the most out of your iPhone or iPad.

How to Set Up Apple Pay on Your iPhone

  • Open the Settings app on your iPhone.

  • Tap Wallet & Apple Pay.

  • Select Add Credit or Debit Card.

ios 12 guide - a step-by-step guide to all the new features
  • Enter your Apple ID password.

  • Tap Next.

  • It will want to add the credit card associated with your Apple ID. If you want to use that card, enter the Security Code. If not, select Add a Different Card.

  • If you select Add a Different Card, take the card you want to use for Apple Pay and position it within the frame appearing on your device. It will read the card details.

  • You also have the option to select Enter Card Details Manually, if you prefer.

  • Confirm your card details are correct and tap Next.

  • Enter the Security Code, usually found on the back of your card. Tap Next.

  • Tap Agree.

  • Your iPhone will then add the card to your Wallet, but before you can use it, you’ll need to complete the Card Verification.

  • Choose how you want to verify your credit or debit card for Apple Pay: Email, Text Message, or Call [Company]. Tap Next.

  • Once you receive the code, enter it. Tap Next.

Success! Your card is now in Wallet and ready for use with Apple Pay on your iPhone.


Master your iPhone in one minute a day: Sign up here to get our FREE Tip of the Day delivered right to your inbox.
Conner Carey's picture

Conner Carey's writing can be found at She is currently writing a book, creating lots of content, and writing poetry via @conpoet on Instagram. She lives in an RV full-time with her mom, Jan and dog, Jodi as they slow-travel around the country.