How to Use Apple Pay Hero

As expected, Apple rolled out Apple Pay to the masses today, courtesy of its iOS 8.1 update for eligible devices. Apple Pay, as you know, allows users to make in-app and online purchases using certain devices equipped with a Touch ID sensor, and in-store purchases using the NFC chips found in the recently released iPhone 6 and iPhone 6 Plus.

In this guide, we’ll walk you through the process of setting up Apple Pay, including adding eligible credit cards, along with making in-app, and in-store purchases.

Verify your device and update to iOS 8.1

The first thing you’ll need to do is verify that you have an eligible device. Apple Pay will work with the following currently available iOS devices:

  • iPhone 6 Plus (in-app, online, and in-store purchases)
  • iPhone 6 (in-app, online, and in-store purchases)
  • iPad Air 2 (in-app and online purchases only)
  • iPad mini 3 (in-app and online purchases only)

Note: Users of lesser hardware, such as the iPhone 5, 5s, and 5c will be able to take advantage of Apple Pay by pairing their devices with an Apple Watch, once it releases early next year.

Apple Pay Compatibility

Once you’ve verified that you own an eligible device, you’ll next need to update to iOS 8.1. To do so, go to Settings → General → Software Update, and install the iOS 8.1 update. Once the update is finished, you’ll be able to set up Apple Pay on your device.

Adding a credit card to Passbook

Apple Pay eligible credit cards are added and managed via the Passbook app. If you have a valid credit card already added to your iTunes Account, you can easily add that card to Passbook by simply verifying the card using its 3 or 4-digit verification code.

Of course, you can add additional supported credit cards to Passbook for use with Apple Pay. You can do so by using your iPhone’s iSight camera to capture the card details, or you can type the card information in manually.

Apple Pay 01

Launch Passbook, and click the ‘+’ button in the upper right-hand corner.

Apple Pay 02

Click the Add a new Credit or Debit Card option. You can then type details manually or use your camera.

Apple Pay 03

I use my camera in this example to populate some of the fields. You can always edit them as well.

Apple Pay 04

Amex can send a Text Message or Email message with a verification code to quickly get you up and going.

Apple Pay 05

Type in the verification code and you’re well on your way.

Apple Pay 06

That’s all there is to it, Apple pay is now setup and ready to use.

At launch, the following cards and banks are supported for use with Apple Pay:

Credit Cards:

  • Visa
  • MasterCard
  • American Express


  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citi
  • Wells Fargo

What does this mean for users? It means that you’ll need to have a Visa, MasterCard, or Amex card, and they’ll need to be issued from one of the six listed banks above. You can verify if your card is eligible simply by looking at the card’s markings. It should display the credit card company and the bank issuer logo somewhere on the card. If you have a credit card issued by an obscure or local bank, or if your card is issued by a local credit union, you won’t be able to use Apple Pay with those cards at launch.

Fortunately, more banks are already being scheduled for roll out at a later date. These include the following:

  • Barclays
  • Navy Federal Credit Union
  • PNC
  • USAA
  • US Bank

Making in-store payments with Apple Pay

Making an in-store payment with Apple Pay is as simple as holding your iPhone 6 or iPhone 6 plus near a participating store’s NFC-enabled terminal, while placing your verified finger on Touch-ID. Seconds later, the terminal will see your device, and the iPhone will authenticate you via Touch ID. Almost instantly, the payment is verified, and you’re on your way (watch the video above to see it in action). It’s extremely painless, seamless, and like the Apple mantra goes, it just works. I’m truly impressed by what Apple, the credit card companies, the banks, and the merchants have been able to pull off so easily.

Once your payment is completed, a receipt appears right on the Lock screen, and is later accessible via Passbook. Nothing is shared with Apple or transmitted iCloud, and everything is done without showing your name, credit card information, or security code to the store clerk.

We’ll have much more to discuss in this post regarding Apple Pay as the day progresses, so bookmark this post and keep it locked here on iDownloadBlog. Also, tune in later tonight as we discuss Apple Pay on Let’s Talk iOS.

Making online (in-app) purchases with Apple Pay

Apple Pay also allows you to make online in-app purchases via apps that are updated to support the feature. There are quite a few apps that support Apple Pay on day one, and one of them is the official Target app. In the video above, I show you how to use the Target app to make a purchase using Apple Pay. No logins were required, and no information was needed at all. I simply tapped the Apple Pay button, and was prompted to verify my purchase using Touch ID. It’s the very definition of seamless. It takes virtually all of the friction out of the online shopping experience. For a list of places where you can use Apple Pay, check out this post.

My overall thoughts

If your experience was anything like mine, then you’re absolutely giddy about the potential of Apple Pay. True, this was just a small test in the grand scheme of things, but the service works as easy, if not easier, than Apple touted when it revealed Apple Pay at the iPhone 6 event. This service truly does have the potential to be a game changer, and to be honest, I’m not sure which part of the service has left me most impressed—in store payments, or online in-app payments.

I look forward to using Apple Pay for many of my future payments, because going back to the old way of making payments now seems a bit antiquated. What has your experience been like? Sound off down below in the comments.

  • Guest


    • David Gitman

      Please remove this.

    • Nate McKelvie

      What is that?

      • M L

        did you watch the video?

      • Nate McKelvie

        No I didnt, was that number in the video?

    • Jon20

      Why would you post this number? A$$

  • M L

    You are showing your security code to everyone between 1:04 and 1:14. I would fuzz that out. Seriously. I own a CC processing center. Even without your full card number you do NOT want that floating around. Great video BTW.

    • Maxim∑

      doesn’t it have the micro chip anyway

      • M L

        Can still be used online if they get the whole card number somehow. ESPECIALLY with the security code.

  • ✯Mike✯

    so the 5s is ineligible completely.. so sad. completely cutting a single-generation older device. pretty disappointed

    • Chris Gilmore

      Same fuckin’ here man. Sucks.

    • M L

      I understand what you are saying, but what would you like apple to do? Tell everyone “send in your non-nfc device and we will add a nfc chip to it?” There is only so much they can do.

      • ✯Mike✯

        no, in-app purchases on the device itself would work just fine..

      • M L

        Thats a good point. 🙂

      • Jason Whitaker

        The 5s WILL be eligible if used with the Apple Watch when it releases.

    • David Gitman

      Exactly what I have said a post ago

    • Mr.Coolfreak

      Absolutely no reason why it shouldn’nt be able to have in app apple pay, it’s a marketing move

      • Kevin Osborne

        I thought the same but then remembered the 5s doesn’t have the Secure Element which stores the CC info. It’s a dedicated hardware chip that securely & separately stores the info.

      • Couldn’t they store it the same place fingerprints are stored? Afaik fingerprints aren’t just stored anywhere on the device for anyone with physical access to retrieve…

      • Kevin Osborne

        I guess if they had prebuilt the current TouchID chip with that in mind, but it’s not often any tech company builds hardware with future features in mind, and I’m sure the TouchID memory chip is different than the Secure Element.

      • Gerardo Castro

        But I mean since its accessed by the software, and it’s a hardware chip, doesn’t that classify it as firmware? and last I checked firmware can be updated! I also am bummed I could’ve sworn Apple said you’d be able to make in app purchases with the 5s!

      • Kevin Osborne

        I don’t think the old Secure Enclave of the TouchID works the same as the new Secure Element for Credit Cards.

    • Kevin Osborne

      I thought the same thing at first but then remembered the 5s doesn’t have the Secure Element which stores the CC info. It’s a dedicated hardware chip that securely & separately stores the info.

    • mlee19841

      same here.

    • Don’t be sad, that’s how Apple has always worked; with siri, with Air Drop and now with Apple Pay…excluding software features to the latest generation of devices. Same thing with some Android manufacturers *thinks of Samsung*.

  • Al

    Thanks for the video… Jeff. Only 1 of 3 cards for me work.

  • andyr354

    Is this our first “IDB Road Trip” video?

  • Mr.Coolfreak

    I thought iPhone 5s had in app purchases with apple pay

    • It does

      • Mr.Coolfreak

        No, iPhone 5s doesn’t get any part of apple pay

  • Mr.Coolfreak

    Does anyone know if apple pay require a data connection?

    • I don’t think so. My limited knowledge on the subject is that the device uses NFC to transmit to the POS terminal which uses the sent information to make a transaction…

  • Justin0000

    There is an update for Apple TV

    • justme

      your profile picture is awesome 😀

      • Justin0000

        Thank you

  • I was under the impression you only had to have MC, Visa, or Amex. Didn’t realize they had to be from an am certain bank. Total bummer. I don’t use any of those banks.

    • John

      If you watch the keynote, you would have known.

      The reason for this is because Apple sends the information back to your bank for verification, otherwise how else would they know you own that card and you own the phone.

      • Damn. Touchy touchy. I did watch the keynote. Considering it was months ago it’s possible I forgot, no?

      • John

        Sorry man, that wasn’t meant to come out bitchy.

      • raodysseus

        Haha – appears to be a pattern for you, eh?

  • Hopefully my bank will ad support soon.

  • Video is back!

    • M L

      Good Move Jeff 🙂

    • Thomas

      how did you clear the carrier logo on 8.1?

  • I’m in the UK, which of course isn’t supported yet. So are we still able to see the areas used for Apple Pay or is it completely hidden from the system until it’s available?

    • Jennifer Harrowell

      Just updated to 8.1 on my iPhone 6 and I can’t see anything on my phone to do with ApplePay.

      Bit of a bummer as I’m in the USA regularly and have a US debit card. I was hoping I could set it up and use it when I was over there in December.

      • Hmmm… See what happens when you sign into the US App Store. Or maybe change your location to a US one on your Apple account.

      • Jennifer Harrowell

        First thing I tried as I have a US iTunes account, but no dice.

      • Hmm how odd. Perhaps get onto Apple about it, maybe they know how to make it work for you.

      • Josh Bowers

        Jennifer, change the region in settings to USA – not the date but actual region tab, then you can add your US debit card in the passbook and even use it in the UK with contactless participating locations.

      • Jennifer Harrowell

        Yep, changing the region rather than the iTunesiCloud account does the trick. It even let me use my UK iTunes account.

        Problem is that my card company isn’t supirted yet. Maybe soon though. 🙂

  • Delis Encarnacion

    Anyone manage to get their Wells Fargo debit card activated on Apple pay?

    • M L

      nope. The verify app hangs for me when I enter my last 4 digits of my phone number.

      • Delis Encarnacion

        It took a while but mine finally activated

  • Harold

    im so mad…. they don’t have any of the gas stations where i go to listed!! ugh. they don’t even have Costco!!!! im so maddddd

    • Merman123

      Take a breather.

  • n0ahcruz3

    Im excited to use this feature! 🙂 although no more iphone jailbreak for me lol

  • Thomas

    how do you clear carrier logo? or only happens when you are setting up apple pay?

  • Greg

    Does Apple Pay work with prepaid cards?

  • el pinche pery

    Where’s my apple pay???? Help

  • mlee19841

    for debit do u still have to enter yes for the correct amount/ charge this amount to your card. option that pops up usually when you slide it and enter your 4 digit debit card pin.

  • G.Dash

    i am officially using apply pay on iphone i just bought something from walgreens without having my card on me NICEEEE

  • M L

    So can apply pay work at ANY NFC enabled store or just the ones listed?

  • Neat stuff, does it immediately show your most recent transaction history when you hit the i button in PassBook? Nowadays, the transaction history for credit cards take 5 business days to appear online.

    • M L

      If you click on the card in passbook, it will show the history of the card. How far back it goes, I don’t know. the last 5-6 transactions I believe.

  • Himanshu Oberoi

    6325 is the security code

  • Chocolatewe

    In the car. LOL

  • Joonyaboy

    Kit Kat? Why are you supporting Google JEFF!!

  • TwinSon

    So I just used Apple Pay at Walgreens and used my debit card. It still asked me for a my pin tho, which actually makes sense because I may want cash back. Transaction hasn’t updated on my Apple Pay transactions yet.