Secure, simple and private.

Apple Pay

One touch to pay with Touch ID. Now paying in stores happens in one natural motion — there’s no need to open an app or even wake your display thanks to the innovative Near Field Communication antenna in iPhone 6s, iPhone 6 and iPhone SE. To pay, just hold your iPhone near the contactless reader with your finger on Touch ID. Or you can double-click the Home button when your iPhone is locked to access Wallet and quickly make your purchases. Your card number is never stored on your device, and when you pay your credit card numbers are never sent to merchants. Apple Pay assigns a unique number for each purchase, so your payments stay private and secure.

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Apple Watch

Convenient and secure checkout. On iPhone and iPad, you can now use your American Express card with Apple Pay to pay with a single touch within apps. Checking out is as easy as selecting Apple Pay and placing your finger on Touch ID. Soon, you will also be able to use your Visa and MasterCard credit card within apps with Apple Pay.

Wallet already stores your boarding passes, tickets, rewards cards and more. With Apple Pay, it can store your credit cards, debit cards and store credit cards, too. To get started, you can add the credit or debit card from your iTunes account to Wallet simply by entering the card security code.

Add more cards on iPhone within the Wallet app. Just tap the plus sign and follow the onscreen instructions. On iPad, start by opening Settings, tap “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” For Apple Watch, open the Watch app on your iPhone, tap “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.”

Every time you hand over your credit card to pay, your card number and identity are visible, and swiping your card triggers an exchange of information. With Apple Pay, instead of using your actual credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone, iPad and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit card numbers are never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked — so only you can make payments from your device.

Protect your accounts.
Even if you lose your device.
If your iPhone or iPad is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely.

You can also stop the ability to make payments from credit cards on your iPhone, iPad or Apple Watch with iCloud. Just log in to iCloud.com and click Settings.

Apple doesn’t save your transaction information. With Apple Pay, your payments are private. Apple Pay doesn’t store the details of your transactions so they can’t be tied back to you. Your most recent purchases are kept in Wallet for your convenience, but that’s as far as it goes.

Leave your cards in your pocket. Since you don’t have to show your credit card, you never reveal your name, card number or security code to the cashier when you pay in a store. This additional layer of privacy helps ensure that your information stays where it belongs. With you.

Participating banks.