How To Add Credit Card To Apple Pay

Apple Pay is a convenient and secure way to make payments using your iPhone or Apple Watch. By adding your credit card to Apple Pay, you can easily make purchases in stores, apps, and on websites without having to physically present your card. Follow the steps below to add your credit card to Apple Pay:

Step 1: Check Device Compatibility

Before you begin, make sure your device is compatible with Apple Pay. Apple Pay is available on iPhone 6 or later models and Apple Watch. Additionally, your device must be running iOS 8.1 or later. If you meet these requirements, you’re ready to proceed.

Step 2: Open the Wallet App

To add a credit card to Apple Pay, open the Wallet app on your iPhone. The Wallet app comes pre-installed on all iPhones and is represented by a white icon with blue edges and a blue credit card inside.

If you can’t find the Wallet app on your device, it may be because it is restricted or hidden. In that case, you can enable it by going to Settings > Screen Time > Content & Privacy Restrictions > Allowed Apps and toggle on the Wallet app.

Step 3: Add a Credit Card

Once you have opened the Wallet app, tap on the “+” (plus) sign located in the top right corner of the screen. This will initiate the process of adding a credit card to Apple Pay.

You will be presented with two options: “Credit or Debit Card” and “Passbook & Apple Pay.” Select “Credit or Debit Card.”

Next, you have two options to add your credit card:

  • Manually enter card details
  • Scan your card using the camera

If you choose to manually enter your card details, you will need to provide the card number, expiration date, and security code. Make sure to double-check the information for accuracy.

If you prefer to scan your card, position it within the frame on the screen, and your device’s camera will automatically capture the card details. This method is quick and convenient.

Step 4: Verify Your Card

After entering or scanning your card details, you may be prompted to verify your card. This verification process ensures that you are the rightful owner of the card.

Depending on your card issuer, you may be asked to verify your card through a verification code sent via SMS or by contacting your bank directly. Follow the instructions provided to complete the verification process.

Step 5: Accept Terms and Conditions

Once your card is verified, you will need to accept the terms and conditions for using Apple Pay. These terms outline the responsibilities and liabilities associated with using Apple Pay.

Read through the terms and conditions carefully, and if you agree, tap on the “Agree” button to proceed.

Step 6: Start Using Apple Pay

Congratulations! You have successfully added your credit card to Apple Pay. You can now start using Apple Pay to make secure and contactless payments at participating stores, within apps, and on websites that support Apple Pay.

To make a payment using Apple Pay, simply hold your iPhone or Apple Watch near the contactless payment terminal and authenticate the transaction using Face ID, Touch ID, or your device passcode.

Remember to keep your device and credit card information secure. If your device is lost or stolen, you can use Find My iPhone or Find My Watch to remotely erase your device and prevent unauthorized access to your credit card information.

Frequently Asked Questions

Q: Can I add multiple credit cards to Apple Pay?

A: Yes, you can add multiple credit cards to Apple Pay. Simply follow the same process for each card you want to add.

Q: Is Apple Pay secure?

A: Yes, Apple Pay is secure. When you add a credit card to Apple Pay, your card details are not stored on your device or Apple’s servers. Instead, a unique device account number is assigned, encrypted, and securely stored in the device’s Secure Element. This ensures that your card information remains private and protected.

Q: Can I use Apple Pay for online purchases?

A: Yes, you can use Apple Pay for online purchases. Look for the Apple Pay button at checkout on participating websites and apps. Simply select Apple Pay as your payment method and authenticate the transaction using Face ID, Touch ID, or your device passcode.

Q: Can I use Apple Pay internationally?

A: Yes, you can use Apple Pay internationally. Apple Pay is accepted at millions of locations worldwide. However, availability may vary depending on the country and the participating stores, apps, and websites.


Adding a credit card to Apple Pay is a simple process that can greatly enhance your payment experience. Enjoy the convenience and security of Apple Pay with just a few easy steps!