To set up Apple Pay on iPhone 12, open the Wallet app and add a supported debit, credit, or prepaid card, then authenticate with Face ID or your passcode. Before you begin, ensure your iPhone 12 has the latest version of iOS, you are signed into an Apple Account on the device, and Face ID or a passcode is already set up.
How to set up Apple Pay on iPhone 12
- Open the Wallet app on your iPhone 12.
- Tap the "+" (plus) sign in the upper-right corner of the screen to add a new card.
- Tap Debit or Credit Card to add a new card, or tap Cards Found For You if you want to add a card you previously used with your Apple Account.
- Tap Continue.
- You can choose to use the card already associated with your Apple ID.
- Add the card by holding it near the iPhone so the camera can capture the details, or tap Enter Card Details Manually and follow the onscreen instructions.
- If your bank supports it, you may be prompted to verify your card through a verification code or a phone call.
Adding credit, debit, or prepaid cards
Apple Pay supports adding a debit, credit, or prepaid card from a participating card issuer. The card must be supported by your bank or issuer, and availability depends on the country or region where Apple Pay is offered. Once added, your card is stored securely in the Wallet app and ready for contactless payments.
Setting up Face ID for authentication
Apple Pay on iPhone 12 requires Face ID or a passcode to authorize transactions. To ensure Face ID is ready, go to Settings > Face ID & Passcode and follow the onscreen instructions to enroll your face. Face ID is the default authentication method for this model, providing a secure and quick way to confirm each payment. For iPhone 12, if you prefer Touch ID, go to Settings > Touch ID & Passcode to enroll fingerprints.
Using Apple Pay in stores
To pay in stores with your iPhone 12, double-click the side button to invoke Apple Pay. When your default card appears, authenticate with Face ID or your passcode, then hold the top of your iPhone near the contactless reader. When paying in stores, hold your iPhone near the contactless reader with your finger on Touch ID. A subtle vibration and a checkmark on the screen confirm the payment was successful. Your actual card numbers are never stored on the device or shared with the merchant. Apple Pay is widely accepted at various retailers, including grocery stores, restaurants, and boutiques.
Using Apple Pay in apps and websites
When checking out in a supported app or on a website that accepts Apple Pay, tap the Apple Pay button or choose Apple Pay as your payment method. Authenticate with Face ID or your passcode to complete the purchase without manually entering your card or shipping details. This works on any compatible Apple device signed into your Apple Account with a supported card.
Frequently Asked Questions
Is Apple Pay safe to use on iPhone 12?
Yes, Apple Pay is considered a secure payment method. Each transaction uses a unique, encrypted code. Apple Pay utilizes NFC (Near Field Communication) technology to enable contactless payments.
Can I use Apple Pay on my iPhone 12 to make online purchases?
Yes, Apple Pay can be used for online purchases in apps and on websites that support it. Simply select Apple Pay at checkout and authenticate with Face ID or your passcode.
Are there any fees associated with using Apple Pay on iPhone 12?
Generally, there are no additional fees from Apple for using Apple Pay. However, check with your card issuer or bank to confirm if they impose any charges for certain transactions.
How long will iPhone 12 be supported for Apple Pay?
Apple Pay continues to work on iPhone 12 as long as the device is compatible with the latest version of iOS. For information about the iPhone 12 support end date, refer to Apple’s official device-support documentation, as support timelines are subject to change.
Can I pay with Cash App on phone using Apple Pay?
Cash App supports adding its Cash Card to Apple Pay. After adding the Cash Card to the Wallet app, you can pay with Cash App on phone by using Apple Pay at any contactless reader, in apps, or on websites that accept it.
Does Apple Pay work on Android?
No, Apple Pay is only available on compatible Apple devices.
