You need a supported card from a participating bank, an Apple® ID signed in to iCloud®, and one of these devices:
iPhone® or iPad®
You can start using Apple Pay as soon as you add your first credit or debit card to Wallet.
To add a credit or debit card on your iPhone, open Wallet and tap in the upper-right corner.
If you have a credit or debit card from a participating bank on file with iTunes®, you'll be asked to add it. You can also choose to add a different card using the iSight® camera or by entering your card information manually. Then, your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.
To add a credit or debit card on iPad, go to Settings > Wallet & Apple Pay, tap Add Credit or Debit Card, then follow the same steps for iPhone above.
To add a credit or debit card on Apple Watch, open the Watch app on iPhone® and tap "Wallet & Apple Pay". If you already added a card to your paired iPhone, you can add it to your Apple Watch by tapping "Add" next to the card, then entering your card security code. Or you can tap "Add Credit or Debit Card". Your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.
Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.
Yes. Be aware that message and data rates may apply, depending on your data plan.
In stores, you can use Apple Pay on your iPhone® or Apple Watch® at more than a million stores and restaurants whose payment terminals are set up to accept contactless payments. Within participating merchant apps, you can use Apple Pay on your iPhone or iPad®.