Apple Pay on iPhone works by allowing you to make secure, contactless payments using the Wallet app, where you store your credit, debit, or prepaid cards. Here's how it works: Setup:
- Open the Wallet app on your iPhone.
- Tap the plus (+) icon to add a card by scanning it or entering details manually.
- Your bank verifies the card, and once approved, it's ready to use with Apple Pay
Making Payments in Stores:
- For iPhones with Face ID: Double-click the side button, authenticate with Face ID or your passcode, then hold the top of your iPhone near the contactless reader until you see "Done" and a checkmark on the screen.
- For iPhones with Touch ID: Rest your finger on Touch ID, then hold the top of your iPhone near the reader until the payment completes.
- You can use your default card or tap to select a different card before paying
Making Payments in Apps or Online:
- When checking out, select Apple Pay as the payment method.
- Confirm your billing and shipping info if needed.
- Authenticate with Face ID, Touch ID, or your passcode to complete the purchase
Security:
- Apple Pay uses near-field communication (NFC) technology to communicate with payment terminals.
- Your actual card number is never stored on the device or shared with merchants; instead, a unique device account number is used.
- Payments are authenticated via biometrics or passcode for added security
Additional Features:
- You can add loyalty and rewards cards to Wallet and use them automatically at participating stores.
- Apple Pay works in stores, restaurants, transit, apps, and websites that support contactless payments
In summary, Apple Pay on iPhone lets you pay quickly and securely by authenticating with Face ID, Touch ID, or passcode and holding your device near a contactless reader or selecting Apple Pay online or in apps
