How to Set up Apple Pay

How to set up Apple Pay has been explained in a straightforward way in this article to enable you to configure yours with ease, and start using it ASAP!

Apple Pay is an easy and secure way to make digital payments. It can be used in person at a POS terminal, online in the Safari browser with merchants using the Apple Pay API, in apps on Apple platforms, in the Apple Store and in Apple Services. Apple Pay was launched in the United States and is now available in dozens of countries.

To use Apple Pay, you need to add a credit card to the service or add money to the Apple Pay Cash card in the Wallet app on iOS or iPadOS. The Cash Card acts as a prepaid card that can be used wherever Apple Pay is accepted.

For additional security, Apple uses a tokenized “virtual” card number that anonymizes your credit card number. Purchases are given a temporary account number, and Apple Pay acts as an intermediary for purchases made through payment processing systems. This way, there is never any risk of your card number being revealed when using Apple Pay.

Apple depends on its FaceID and TouchID biometric security systems to approve purchases. Also, Mac users will be able to authorize various payments from the Apple Watch if the device is connected to the Mac as an authorization method for Apple Pay.

Apple Pay has quickly become one of the best mobile payment methods for macOS, iPad, and iOS. It’s great for online and in-app purchases or for sending money to others. It’s a competent replacement for PayPal, Venmo, Square, and pretty much any other digital payment processor.

How to set up Apple Pay

Apple Pay is essential for Apple operating systems as well. It is integrated into watchOS, iOS and iPadOS via the wallet app and is part of the macOS system setup. It’s safe, easy to use, and probably the best option for buying goods or services online or in apps.

Here we are going to show you how to set up Apple Pay.

Is Apple Pay Safe?

In general, contactless payments are secure and become more secure when there is an authentication requirement such as Face ID, Touch ID, or a password.

If you use Apple Pay for in-transit payments, be aware that this is the only aspect of Apple Pay where you can’t use an authenticator. In other words, you touch the transit drive with your device and enter without having to unlock the phone. I can only guess the reason is that people get to the subway and bus quickly.

If you lose your phone and transit payments are enabled, someone may be travelling with your card without your permission. You can prevent transit cards from working through Find My iPhone, and you can also wipe your device remotely, but only when your device is online. A better option would be to deactivate the affected cards through your bank completely.

How to set up Apple Pay and configure it on your Mac using Touch ID:

  • Navigate to the System Preferences on your Mac using Touch ID.
  • Click Wallet & Apple Pay, then click Add Card.
  • On the Apple Pay setup screen, tap Next.
  • Follow the steps to add a new card in two ways: scan the front of your card with your Mac’s camera, or manually enter the card details (card name and number). Then press “Next.”
  • Enter the expiration date and security code of the card and click “Next.”
  • Read and accept the general terms and conditions.
  • Select a verification method by email, text, or phone call and enter the verification code when prompted. Then click Next”.
  • Your bank or card issuer will check your details. Once your card has been verified, click Next to use Apple Pay.

How to set up Apple Pay

How to set up Apple Pay on your Apple Watch device

Below is how to set up Apple Pay on Apple Watch!

1. You will require your iOS device to be able to set up Apple Pay for your Apple Watch. In your OS device startup the Apple Watch app.

2. Navigate to My Watch and choose your watch.
3. Choose Wallet and then Apple Pay.

4. From there, the instructions are similar to setting up Apple Pay on an iOS device. Follow the steps, including bank authorization. When you finish done, you will need to tap to do a payment with your watch even when you do not have your iPhone.

How to set up Apple Pay

How to set up Apple Pay on macOS

1. To set up Apple Pay on a Mac, you need a Touch ID or a 2012 or later device with a compatible mobile device connected via Bluetooth.

2. In your macOS, move to System Preferences, then to Wallet & Apple Pay.

3. Choose the Add Card and then fill in any information required. As with a mobile device, you may need to take additional steps depending on your bank’s needs.

4. If you are using a Mac 2012 or later with a mobile device, there is one final step to take. Go to Settings> Wallet, and Apple Pay on your iPhone or iPad and activate the Allow payments on the Mac option.


If you go abroad soon, I strongly recommend that you enable contactless payment on a mobile device and try a few times to understand before you set off fully.

Note that a country doesn’t have to be on Apple’s list of supported Apple Pay locations to work as a contactless payment method. Credit and debit cards from local banks in that country can function in the Apple Wallet app when you are on he list. For example, Croatia is not on the list (yet), but the United States is. If you are Croatian and have a local bank card, you cannot place your card in Apple Wallet and therefore cannot use it for Apple Pay.

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