How To Use Apple Pay On IPhone 12


Sure, I can help you with that. Here's the introduction for the article:


Are you ready to embrace the convenience of cashless transactions with your iPhone 12? Apple Pay is a seamless and secure way to make purchases in stores, within apps, and online. With the integration of Apple’s cutting-edge technology, using Apple Pay on your iPhone 12 has never been easier. In this comprehensive guide, you’ll learn everything you need to know about setting up, using, and maximizing the potential of Apple Pay on your iPhone 12. Whether you’re a seasoned Apple user or new to the ecosystem, this article will equip you with the knowledge to make the most of this innovative payment method.

Inside This Article

  1. Adding a Card to Apple Pay
  2. Using Apple Pay in Stores
  3. Using Apple Pay Online
  4. Sending and Receiving Money with Apple Pay
  5. Conclusion
  6. FAQs

Adding a Card to Apple Pay

Adding a card to Apple Pay is a seamless process that allows you to make secure and convenient transactions using your iPhone 12. Here’s how to get started:

Step 1: Open the Wallet app

Begin by launching the Wallet app on your iPhone 12. This app serves as the central hub for managing your Apple Pay cards and transactions.

Step 2: Tap the “+” icon

Look for the “+” icon located in the top-right corner of the screen and tap on it to initiate the card addition process.

Step 3: Follow the prompts

Next, you’ll be prompted to enter your card details. You can either manually enter the card information or use the camera to capture the card details automatically.

Step 4: Verify your card

After entering the card details, your bank may require verification. This can typically be done through a verification code sent via SMS or email.

Step 5: Start using Apple Pay

Once your card is verified, it will be added to your Wallet, and you can start using Apple Pay for in-store, online, and peer-to-peer transactions.

By following these simple steps, you can seamlessly add your preferred cards to Apple Pay and enjoy the convenience and security it offers.

Using Apple Pay in Stores

Using Apple Pay in stores is a seamless and convenient way to make purchases without needing to carry a physical wallet. With the iPhone 12, you can easily complete transactions at participating retailers using just your device. Here’s how to use Apple Pay in stores:

1. Open the Wallet App: To get started, open the Wallet app on your iPhone 12. This app stores your credit and debit cards, as well as any rewards or gift cards you’ve added. It’s the hub for managing your digital payments.

2. Authenticate Your Identity: When you’re ready to make a purchase, hold your iPhone near the contactless reader at the store. You may need to authenticate your identity using Face ID, Touch ID, or your device passcode.

3. Complete the Transaction: Once your identity is verified, the payment will be processed, and you’ll receive a confirmation on your device. It’s that simple! You can now leave the store with your purchase in hand, knowing that your payment was secure and efficient.

Using Apple Pay in stores offers a level of convenience and security that traditional payment methods can’t match. Plus, it’s a great way to streamline your wallet and keep your payment information organized. With the iPhone 12, you can enjoy the benefits of Apple Pay wherever contactless payments are accepted.

Using Apple Pay Online

Apple Pay isn’t just limited to in-store purchases; it can also be used to make secure and convenient payments online. Whether you’re shopping on your favorite e-commerce site or ordering food through a delivery app, Apple Pay streamlines the checkout process with just a touch or a glance.

When you’re ready to make a purchase on a website or within an app, simply select Apple Pay as your payment method at checkout. If you’re using your iPhone 12, authenticate the transaction with Face ID, Touch ID, or your device passcode. For those using an iPad or Mac, you can authenticate using the Touch ID on your device or the side button on your Mac.

One of the key advantages of using Apple Pay online is the enhanced security it provides. Instead of manually entering your payment and shipping information, Apple Pay uses a unique token and dynamic security code for each transaction, keeping your sensitive data secure. This not only safeguards your financial details but also reduces the risk of unauthorized access to your accounts.

Furthermore, Apple Pay supports a wide range of online merchants, making it a versatile and convenient option for digital transactions. From clothing and electronics to entertainment subscriptions and travel bookings, you can use Apple Pay across various online platforms, eliminating the need to repeatedly input your card details and billing address.

By integrating Apple Pay into your online shopping routine, you can expedite the checkout process, protect your financial information, and enjoy a seamless and secure payment experience across a multitude of websites and apps.

Sending and Receiving Money with Apple Pay

Apple Pay isn’t just for making purchases at stores and online; it also enables you to send and receive money with ease. Whether you need to split a bill with friends, pay a family member, or receive money from someone, Apple Pay simplifies the process, making transactions quick and convenient.

One of the standout features of Apple Pay is its integration with iMessage, which allows you to send money directly through a text message. This seamless integration makes it effortless to split bills, pay back a friend, or contribute to a group gift. The ability to send money in a chat conversation adds a layer of convenience that sets Apple Pay apart from other payment platforms.

When someone sends you money via Apple Pay, the funds are instantly available in your Apple Cash card, which is stored in the Wallet app. From there, you can use the funds to make purchases using Apple Pay, transfer the money to your bank account, or send it to someone else. This flexibility provides you with various options for utilizing the funds you receive.

Additionally, Apple Pay offers a secure way to request money from friends or family. If you’re waiting for someone to reimburse you for a shared expense, you can easily send a payment request through iMessage. This feature streamlines the process of reminding others about pending payments, ensuring that you receive the funds you’re owed without the need for awkward reminders.

Furthermore, Apple Pay’s security features extend to peer-to-peer transactions, providing peace of mind when sending or receiving money. With its advanced security measures, such as Face ID or Touch ID authentication, and end-to-end encryption, Apple Pay prioritizes the protection of your financial information, safeguarding your transactions from potential threats.

Overall, Apple Pay’s seamless integration with messaging, instant availability of funds, flexibility in managing received money, and robust security measures make it a compelling choice for sending and receiving money. Whether you’re splitting expenses, requesting payments, or receiving funds, Apple Pay simplifies the process, offering a secure and efficient way to manage your financial transactions.


Using Apple Pay on your iPhone 12 offers a seamless and secure way to make payments at various merchants, both in-store and online. With the added convenience of Touch ID or Face ID verification, the process is not only efficient but also highly secure. As digital payment methods continue to evolve, Apple Pay remains at the forefront, providing users with a reliable and innovative way to manage their transactions. The integration of Apple Pay with various apps and websites further enhances its versatility, making it an essential feature for iPhone 12 users. By incorporating the latest in payment technology, Apple continues to prioritize user experience and security, ensuring that iPhone 12 owners can enjoy the benefits of a modern and convenient payment solution.


Q: Can I use Apple Pay on my iPhone 12?

Yes, Apple Pay is available on iPhone 12, allowing you to make secure and convenient payments using your device.

Q: How do I set up Apple Pay on my iPhone 12?

Setting up Apple Pay on your iPhone 12 is simple. Just open the Wallet app, tap the "+" button, and follow the prompts to add your credit or debit card.

Q: Is Apple Pay safe to use on iPhone 12?

Absolutely. Apple Pay is incredibly secure, as it uses tokenization to protect your card information and requires Face ID, Touch ID, or a passcode for transactions.

Q: Can I use Apple Pay for online purchases on my iPhone 12?

Yes, you can use Apple Pay for online purchases within apps and on websites that support this payment method.

Q: Are there any fees for using Apple Pay on iPhone 12?

There are no additional fees for using Apple Pay on your iPhone 12. However, standard transaction fees from your card issuer may still apply.