apple watch series 5 apple pay

It can be very convenient to pay using your Apple Watch — you don’t have to reach for your wallet or phone, and you won’t risk touching a contaminated payment terminal. However, setting up and using Apple Pay on your watch isn’t always obvious. We’ll walk you through that process so that you can shop at the local store with a turn of the wrist.

Add a card to Apple Pay on your Apple Watch

apple watch apple pay

There are a couple of ways to go about adding a credit or debit card to Apple Pay on your Apple Watch, but they’re both uncomplicated and share similar steps. Be sure to have your payment card and iPhone ready, and to ensure that your card provider supports Apple Pay. You may also need the official app for your bank or card company.

  1. Open the Watch app on your iPhone.
  2. Tap Wallet & Apple Pay.
  3. If you’ve already added at least one card on another device, tap it here and enter the card’s security codes. Otherwise, follow the next steps to enter a new card.
  4. Tap Add Card.
  5. You’ll have the option of either scanning the card or entering its digits manually. In both cases, you’ll need to add security codes.
  6. Tap Next. Your bank or card provider will need to verify the card before it can be used. This sometimes requires an app from the card provider, but the verification is usually quick once that app is ready.
  7. Once the card is verified, tap Next to enable Apple Pay for that card.
  8. If you have multiple cards, be sure to return to Wallet & Apple Pay and tap “default card” to choose the card you prefer to use for most transactions.

Use Apple Pay for retail purchases

apple watch apple pay card

Once you’ve set up Apple Pay on your watch, using it is typically very simple. There are some things to consider depending on where you live and what you’re buying, however.

  1. When ready to pay, double-tap the side button on your watch. Your default card should appear. You can swipe left and right to switch cards.
  2. Turn the watch screen toward the payment terminal and get very close. You’ll hear a sound, feel a tap and see a confirmation on screen if the payment completes successfully.
  3. Many countries have transaction limits for Apple Pay, so you may need to use your physical card for large purchases.
  4. You may still need to sign a receipt or enter a PIN code.
  5. If you’re using Apple Cash, you’ll still have to authenticate with Face ID, Touch ID, or a passcode. If asked for a PIN, any four-digit code will work.

Use Apple Pay on your Apple Watch to confirm purchases in apps or in Safari

You can also use your Apple Watch to approve Apple Pay purchases on other devices, either in apps or on the web using Safari. You won’t often need this on an iPhone, iPad or Touch ID-equipped Macs, but it’s useful to know.

  1. Tap the Apple Pay button in the app or website when you’re ready to buy.
  2. Enter or verify your billing and shipping information, and tap > next to your card if you want to use a different payment card.
  3. Confirm the payment by double-tapping the side button on your watch. You’ll receive confirmation on your watch screen if the purchase completed successfully.
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