Find out how this convenient alternative to using cards and cash works.
Apple Pay on your iPhone works just like a contactless payment card, for use in shops, restaurants and other outlets where you see the Apple Pay symbol.
You can also use it to pay within apps and online in Safari where Apple Pay is highlighted as a payment option.
Apple Pay works on the Transport for London network too. You just need to tap your iPhone or Apple Watch on the yellow card reader.
It replaces your physical cards and cash so you don’t have to carry them around with you.
You just need to add your credit and debit cards to the Wallet app on your iPhone and you can then use your device to pay, just as you would with your cards.
You can add up to eight cards on most devices.
The first card you add to your phone will be your ‘default’ card - so should be the card you intend to use most regularly.
It’s easy to switch to whichever card you want to use at the point of purchase, though - usually just by clicking on the default card on the screen, or on the side button of the phone until alternative cards appear on screen.
All the usual rewards, points and airmiles you normally get when you spend will continue to be applied to your card account.
Apple Pay is compatible with:
Check if your phone is compatible here.
Apple Pay works with all the major credit and debit cards from banks and card issuers around the world. A full list of UK banks that support Apple Pay is available here.
Apple Pay is already built into your iPhone, so you don’t need to download a separate app.
To set it up, you need to:
You can use Apple Pay in shops, restaurants and other outlets where you see the Apple Pay symbol.
It’s also easy to use on the Transport for London network - just touch the card reader with your phone at the train or tube gate as you enter and exit, or as you board a bus.
You can also use it to pay within apps and online in the Safari browser where Apple Pay is highlighted as a payment option.
Your cards’ numbers aren’t stored on your phone or shared and sent with your payments, so all your details stay safe. Apple Pay gives you a Device Account Number which represents your cards’ information instead. And you need to authorise all transactions using Face or Touch ID or your passcode which adds another layer of security.
Google Pay and Samsung Pay are digital wallets for android phone users that work in a similar way to Apple Pay.