How to Use Apple Pay at a Store

Apple Pay has revolutionized the way we handle transactions, offering an easier, faster, and more secure way to pay. Although using Apple Pay at a store may seem daunting if you’ve never done it before, it’s actually incredibly simple. In this comprehensive guide, we’ll walk you through the entire process, from setting up Apple Pay to successfully using it at a physical store.

Setting Up Apple Pay on Your Device

Before you can use Apple Pay at a store, you need to set it up on your iPhone.

  1. Open the Wallet app: Locate the Wallet app on your iPhone and tap to open it.
  2. Add a Card: Tap the “+” sign usually located at the top right corner.
  3. Follow the Prompts: You’ll be prompted to add a new credit or debit card. Follow the on-screen instructions to complete the setup.

Checking If a Store Accepts Apple Pay

  1. Look for Symbols: Physical stores that accept Apple Pay usually display the Apple Pay or Contactless Payments symbol near the register.
  2. Ask the Cashier: When in doubt, it’s always good to confirm with the cashier.

Making a Payment

For iPhones with Face ID:

  1. Double-click the Side Button: This will open Apple Pay.
  2. Glance at your iPhone: Face ID will confirm it’s you.
  3. Hold Near Reader: Hold the top of your iPhone near the contactless reader until you see “Done” and a checkmark on the display.

For iPhones with Touch ID:

  1. Rest Finger on Touch ID: This will open Apple Pay.
  2. Hold Near Reader: Hold the top of your iPhone near the contactless reader until you see “Done” and a checkmark on the display.

Tips for Successful Transactions

  • Ensure your device is awake.
  • If asked, choose “Credit” regardless of your card type.
  • Some stores will require you to sign a receipt or enter a PIN.

Troubleshooting Common Issues

  1. Apple Pay Doesn’t Open: Make sure you have set a Face ID, Touch ID, or Passcode.
  2. Transaction Declined: Ensure the card you’re using is not expired or blocked.
  3. Reader Doesn’t Respond: Make sure your device’s NFC is enabled and you’re holding it correctly near the reader.


Do all stores accept Apple Pay?

No, but the number of stores accepting Apple Pay is growing rapidly. Look for the Apple Pay or contactless payment symbols, or ask the cashier.

Is Apple Pay secure?

Yes, Apple Pay is considered one of the most secure payment methods because it uses a method known as tokenization to protect your card information.

Can I use Apple Pay with multiple cards?

Yes, you can add multiple cards to Apple Pay and choose which one you’d like to use at the time of payment.

What if my iPhone battery dies?

If your iPhone battery dies, you won’t be able to use Apple Pay until it’s charged and turned back on.

Can I return items purchased with Apple Pay?

Yes, returns work the same way as with a physical card. You may need to provide the last four digits of your Device Account Number, found in your Wallet app.


Apple Pay not only simplifies the payment process but also adds a layer of security that physical cards can’t offer. Its increasing acceptance around the world makes it a convenient and reliable payment option. By following this step-by-step guide, you can comfortably and confidently use Apple Pay for your in-store purchases.