How to Get Started With Apple Pay for iPhone 6

Apple Pay graphic showing iPhone 6 and iPhone 6 Plus

So by now you’ve probably heard everyone talking about Apple Pay, and you’re curious. What’s the big deal, and how does it work?

Basically, Apple Pay allows anyone with an iPhone 6 to pay by scanning his or her fingerprint and holding the iPhone near the contactless reader in the store. You don’t need to go into a specific app or even wake your phone. Just hold it near a pay station that accepts Apple Pay and you’ll be prompted to scan your fingerprint. Your phone will vibrate to let you know the purchase is complete, and that’s it!

Apple Pay also works on internal purchases, both of apps and on sites in the Safari browser. Overall, Apple Pay is a pretty great thing.

If you have an iPhone 6 or 6 Plus, you have the ability to use Apple Pay right now. All you need to do is set it up.

We’ve got the details below to get you paying with Apple Pay and the iPhone 6. Because getting out your wallet to pay for stuff is just soooo 2014, don’t you think?

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Why Use Apple Pay?

Before getting into setting up Apple Pay, you may ask why you would use it. Well, the short answer is that it’s just easier than sorting through cards or cash in your wallet.

The more in-depth answer is that Apple Pay is far more secure than using a physical card. First, you’re never exposing your card to the world so nobody can see the numbers, and if you use a debit card nobody sees you enter your PIN.

It’s also safer because, unlike a wallet, nobody can steal your phone and use your Apple Pay, as it’s linked to your fingerprint. Even if someone does steal your phone, you can remotely wipe your device – something many people who’ve lost credit cards wish they could do with their physical card.

Overall, it’s the better, easier, and safer option for paying. Now that you want it, here’s how to set up Apple Pay.

What You Need to Get Started

There are a few key items you need to make sure you have.

1. First, you need to have an iPhone 6 or 6 Plus to use the Near Field Communication (NFC) technology that’s required in-store. To pay online with Apple Pay, you can use an iPad Air 2 or iPad Mini 3.

2. Next, the bank that issues your card must support Apple Pay. Here’s the full list from Apple. It’s updated continually with new banks, so check back often if your bank isn’t currently on there.

3. Finally, of course, you need to shop in a store that accepts Apple Pay. Here’s a list of stores that currently accept Apple Pay (scroll down near the bottom of the page). The easy way to tell is to look for one of these logos at checkout:

Apple Pay logos

Getting Started With Apple Pay

Ready? Let’s go through the steps.

1. Start out by opening Settings and tapping on Passbook & Apple Pay.

Settings screen showing Passbook & Apple Pay option

2. Tap on Add Credit or Debit Card to start the process of adding a new card to Apple Pay. You’ll be asked to enter your Apple ID and password to continue.

Passbook & Apple Pay screen on iPhone

3. After entering your password you should see the Apple Pay screen. Tap on Add a new Credit or Debit Card to continue.

Apple Pay screen to add a new credit or debit card

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4. Now you have two options for setting your card up.

  • The easiest method is to actually tap the camera icon and take a picture of your card. This will automatically enter all the pertinent information. Then you’ll need to type in the security code from the back of the card, and you’re all set.
  • Enter all the information manually. If you have a card that’s a little old, or the numbers aren’t shiny, you’ll have to use this method, but try the photo method to start.

Apple Pay card details screen

5. Once you have all the information filled in, tap Next and you’ll be shown a Terms & Conditions page. Tap Agree to accept, and tap Accept a second time in the popup.

6. With this accepted, you’ll have one last step to complete before you can start using your card, and that’s card verification. The method of verification varies from bank to bank, but you’ll have to a) call your bank and verify with a person, b) receive a text message to a phone on your account, or c) verify via a banking app.

Apple Pay Complete Verification screen

NOTE: You must verify your card before trying to use it via Apple Pay. Your card won’t work until you do, so do it now and don’t skip this step.

Final Apple Pay Settings

Now that you have your card added to Apple Pay, you can add additional cards if you like. When your cards are added, you need to finalize a few settings to make everything work smoothly.

First, on the Passbook & Apple Pay screen in your iPhone’s Settings app, tap on Default Card and choose the card you wish to use by default. If you only have one card, this doesn’t really matter, but it’s very important if you have more than one.

Next, tap on Billing Address and Shipping Address and select the address for both. This should be entered from your contact information already, but if not, make sure it’s correct. Do the same for your Email and Phone as well, as these will autofill when shopping via the Safari browser.

Cards set up on Passbook & Apple Pay screen

With all of this done, you’re ready to start using Apple Pay. Congratulations!

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