How to Set Up Apple Pay on iPhone

* This article is from our Tip of the Day newsletter. . *

Apple Pay is a secure, convenient way to shop online and in stores. Here’s how to set up Apple Pay on your iPhone and add a credit or debit card to Apple Wallet.

Related: How to Use Apple Pay in Safari on iPhone

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Wondering how you initiate Apple Pay on your iPhone? Here's how to set up Apple Pay on your iPhone, so you can use Apple Pay online and in stores. For more great Apple Pay tutorials, check out our free Tip of the Day. Before you begin, be sure you're signed in with your Apple ID on your iPhone. 

  1. Open the Settings app.

    iphone settings app
  2. Tap Wallet & Apple Pay.

    tap wallet and apple pay
  3. Select Debit or Credit Card.

    tap debit or credit card
  4. Tap Continue.

    tap continue to add card to apple pay
  5. Scan the card associated with your Apple ID or tap Add a Different Card.
  6. 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.
  7. You also have the option to select Enter Card Details Manually, if you prefer.

    scan card or add credit card details manually
  8. Enter your card's Expiration Date and Security Code, then tap Next.

    add your expiration date and security code
  9. Tap Agree.

    agree to apple's terms and conditions
  10. Choose how you want to verify your credit or debit card for Apple Pay: Email, Text Message, or Call [Company]. Tap Next.
  11. Once you receive the code, enter it. Tap Next.
  12. Success! Your card is now in the Wallet app and ready for use with Apple Pay on your iPhone.

    how to get apple pay credit card in apple wallet

Next, you might want to read How Do I Use Apple Pay on My iPhone? You can also learn how to use Apple Pay Cards on your Apple Watch!

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Author Details

Conner Carey's picture

Author Details

Conner Carey

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.