Apple Card in Apple Pay with a wallet bling bling make it rainSource: Christine Romero-Chan / iMore

Apple Pay lets you make in-store purchases with your iPhone, and online purchases with your iPhone or iPad, with just a touch of the Home button and a scan of your fingerprint. It makes credit and debit card purchases easier and more secure. All you have to do is set it up and start using it!

How to add a card for Apple Pay

  1. Launch the Wallet app from your Home screen.
  2. Tap on the + button. It should be in the top right corner of your screen.
  3. Tap Continue or Next on the Apple Pay screen.

    Open Wallet, tap the + button, tap Next or ContinueSource: iMore

  4. Manually enter, or scan with the camera, your credit or debit card information.
  5. Tap Next on the Card Details screen.
  6. Manually enter the card's expiration date and the security code.

    Enter your credit or debit card informationSource: iMore

  7. Tap Next
  8. Tap Agree to accept the terms and conditions
  9. Tap Agree

    Input the expiry date and security code, agree to the terms, and then confirmSource: iMore

  10. Tap next after you select your verification method.
  11. Tap Enter Code.
  12. Enter the verification code that was given to you. Depending on your verification method, this could be an email, text, or call.

    Tap Next, then enter the verification info for your card if applicableSource: iMore

  13. Tap Next
  14. Tap Done

    Tap Next, then tap DoneSource: iMore

If you ever want to add more credit or debit cards you can just repeat these steps.

Note: Apple Pay's photo-detection only works on with embossed numbers; if you have a credit or debit card with flat numbers, you'll have to enter it manually.

How to authorize a card for Apple Pay

Different banks have different procedures when it comes to authorizing cards for Apple Pay.

Capital One, for example, automatically adds and activates your card for Apple Pay after you accept your terms and conditions.

Shop Cyber Monday deals at: Amazon | Walmart | Best Buy | Apple | Dell

Citibank and American Express, however, require an activation code; to get it, the bank will robo-call, email, or text the number you have on file.

Also, if your bank has an app for mobile banking, you may be able to launch the app to authorize your card.

How to change the default card for Apple Pay

Apple Pay lets you use multiple credit and debit cards, so you can easily switch between them when you want to make a transaction. The default credit or debit card, however, is always the fastest and easiest to use. So, you'll want to make that card the default. Luckily, Apple Pay makes that fast and easy to do as well.

  1. Launch the Settings app on your iPhone or iPad that's compatible with Apple Pay.
  2. Tap on Wallet & Apple Pay.
  3. Tap on Default Card.
  4. Tap on the card you want to use as your default.

    Tap Wallet & Apple Pay in Settings, tap Default Card, and select the card you want to use as defaultSource: iMore

That's it! Unless you manually change the card you're using when making a purchase, the selected card will always be used.

How to remove a card from Apple Pay

Apple makes it easy to add any and all of your supported credit and debit cards to Apple Pay. If, however, you lose, cancel, or change a card for any reason, you'll need to remove it. Luckily, Apple makes it just as easy to to that.

  1. Launch the Settings app on your iPhone or iPad that contains the Apple Pay card you need to delete.
  2. Tap on Wallet & Apple Pay.
  3. Tap on the credit card you'd like to delete.
  4. Tap on Remove This Card — you'll need to scroll all the way to the bottom.

    Tap Wallet & Apple Pay in Settings, tap the card you want to remove, scroll to the bottom and tap Remove This CardSource: iMore

That's all there is to it! The card you removed will no longer be eligible for use with Apple Pay on that particular device. Keep in mind however that Apple Pay works on a per device basis so you'll need to remove that particular card from every device it's linked to individually. Alternately, you can remove all your linked cards from a specific device remotely if you need to via

How to troubleshoot Apple Pay

If you're having trouble getting Apple Pay to accept your card, the simplest solution is to just try entering in your information again; I had no luck activating my cards on Monday evening, but entering in the same information on Tuesday morning worked like a charm.

Worst-case, you may just need to call your card issuer. For example, the last card I tried to set up never sent the verification code to my phone number on file, so I had to manually retrieve it through the phone system. That call was pretty painless, however; I had Apple Pay fully up and running on that card within ten minutes.

Updated December 2019: Updated for iOS 13.




We may earn a commission for purchases using our links. Learn more.