Using Apple Pay is simple and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps and on the web has never been easier, safer, or more private.*
Add your card to Apple Pay in three simple steps.
To pay in stores, there is no need to wake your iPhone or open an app. Just hold iPhone near the reader with your finger on Touch ID. You’ll see Done on the display, along with a subtle vibration and beep, letting you know your payment information was sent. On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the reader. A gentle tap and beep confirms that your payment information was sent.*
To pay in apps and on the web with iPhone and iPad, select Apple Pay as the payment method during checkout and place your finger on Touch ID. To pay on Mac in Safari, choose Apple Pay then complete the purchase with your iPhone or Apple Watch.*
Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchase in stores, within selected apps and participating websites.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch.
For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
No, your card details are not stored on the device or in the Cloud. When a card is added to Apple Pay, a Device Account Number replaces the need for the card number.
The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.
The Device Account Number can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
No, it does not cost you anything extra to use Apple Pay.
The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.
You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.
You do not need to download any additional app to use Apple Pay but the latest version of iOS and watchOS is required to set up cards in Apple Pay.
Adding a card to Apple Pay is different depending upon device:
iPhone (6 or later models)
For security purposes, when a new card is added to Apple Pay we’ll ask you to complete a verification check before it can be used with Apple Pay. We’ll either:
Yes, a card can be added to Apple Pay on up to nine different devices but the card will need to be added to each device separately.
Yes, up to eight cards can be added to Apple Pay on a single device. The first card added to the device will become the default card, but you can change the default card.
You can use your device to make a payment using Apple Pay in stores, within apps or on participating websites wherever they see one of these symbols:
To authorize a payment hold your iPhone 6 (or later model) above or near the contactless reader and:
With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorize a payment.
Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.
Yes, you can use Apple Pay to make payments on participating websites using a Mac on Safari. To use Apple Pay, the Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac. You then:
Apple Pay transaction under $100 can be made by holding the device up to the contactless reader and authorizing payment using Touch ID, the device passcode or double-clicking the side button on Apple Watch.
For transaction over $100 you might be asked to enter your card PIN in to the retailer’s terminal.
You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.
If the retailer is able to refund the device used to make the original purchase, you:
You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet app.
Transactions will appear as they normally do on a bank or credit card statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.
Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.
Other features which help to keep your payments secure and safe include:
iPhone and iPad
Payments can only be authorized by using Touch ID (if it is enabled), or by entering the device passcode.
Payments can only be authorized if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.
Please note: you should never share your device passcode, or register more than one person’s fingerprint to Touch ID, while your card is registered to Apple Pay.
The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:
To remove a card from Apple Pay you must follow these steps:
Please note: if you remove your device passcode or Touch ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.
You should contact us straight away on 1300 859 461 so the lost or stolen card can be cancelled and no further purchases made. You should also remove the lost or stolen card from the Wallet app.
When the replacement card is issued you will have to add this to Apple Pay.
If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into iCloud.com and remove all cards from Apple Pay remotely. If you do not have the app you should contact us on 1300 859 461 to request that your card be disable for use with Apple Pay.
You should contact us on 1300 859 461 to request that your card be disable for use with Apple Pay. You should also go to iCloud.com and remove your card from Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally.