How to set up Apple Pay on iPhone

Difficulty
Beginner
Tested on
iOS 18.4 - iPhone 15 Pro
You will need
Active Apple ID, supported payment card, stable internet connection

Step by step

  1. 30 sec

    Open the Wallet application

    Locate and tap the Wallet icon on your Home Screen. If you cannot find it, swipe down from the center of the Home Screen and type 'Wallet' into the Spotlight search bar.

  2. 1 min

    Initiate card addition

    Tap the blue plus (+) button located in the top right corner of the Wallet interface. Select 'Debit or Credit Card' from the list of options to begin the card registration process.

    Note: If you have previously used cards associated with your Apple ID, you may select them from the 'Previous Cards' list.
  3. 1 min

    Provide payment card details

    Position your physical card within the frame on your screen to scan the details automatically. If the camera does not capture the numbers, select 'Enter Card Details Manually' at the bottom of the screen.

  4. 1 min

    Complete issuer verification

    Follow the on-screen prompts provided by your bank to verify your identity. This typically requires entering a code sent via SMS, email, or using your bank's dedicated mobile application.

    Note: Ensure your phone number is current with your financial institution to avoid verification delays.
  5. 30 sec

    Set default payment method

    Once the card is approved, tap 'Done' to finalize the setup. If you wish to use this as your primary payment method, navigate to Settings > Wallet & Apple Pay and select 'Default Card' to choose your new addition.