How do I use Apple Pay?

You can use Apple Pay to make purchases in stores, on websites, and in apps. It’s widely accepted, simple, safe, secure, and private.

How secure is Apple Pay?

Apple Pay is safer than using a physical credit, debit, or prepaid card. Face ID, Touch ID, or your passcode is required for purchases on your iPhone, Apple Watch, Mac, or iPad. Your card number and identity aren’t shared with merchants, and your actual card numbers aren’t stored on your device or on Apple servers. When you pay in stores, neither Apple nor your device will send your actual card number to merchants. When you pay online in Safari or in apps, the merchant will only receive information you authorize to fulfill your order — such as your name, email address, and billing and shipping addresses. When you pay with a debit or credit card, Apple doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.

How do I set up Apple Pay?

It’s simple. Just add a credit, debit, or prepaid card to the Wallet app on your iPhone, then choose to add the card to any other Apple devices you want to use with Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad. If you upgrade to a new iPhone, you can automatically transfer your cards to the new device in one easy step.

Which banks support Apple Pay?

Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support Apple Pay here . If your card does not yet support Apple Pay, contact your bank for more information.

Can I check my card balance?

Yes. Connect your eligible Discover credit card account to its associated card you use with Apple Pay to securely view your card account details right in Wallet — including card balances and up to two years of transaction history. To connect an account, open Wallet, select your card, tap the more button, and select Card Details. Then tap Get Account Balance & Activity and follow the steps onscreen.

What is Apple Pay Later?

Apple Pay Later is a payment option that allows you to shop now and pay in four smaller installments over six weeks, with no interest or fees. It’s available within Apple Pay for purchases you make in apps and online with iPhone or iPad. You can manage all your Apple Pay Later loans and payments in one organized place in Wallet — no separate apps to download, no extra passwords to remember.

Does it cost extra to use Apple Pay?

No. Apple does not charge any fees when you pay with Apple Pay — in stores, online, or in apps. And Apple doesn’t charge interest or fees when you use Apple Pay Later.

Can I use Apple Pay abroad?

Apple Pay works in countries and regions that support contactless payments. Confirm with your bank, and ask about any fees they may charge for overseas usage. Apple Pay Later is available only for eligible applicants when shopping at merchants located in the United States.

How can my business accept Apple Pay?

If your business already accepts credit and debit cards, simply contact your payment provider to start accepting Apple Pay. If you want to accept Apple Pay on your website or in your app, visit Apple Pay for developers . And Apple Pay Later is part of Apple Pay — no integration or additional steps are required.

Does my business need any special equipment to accept Apple Pay?

With Tap to Pay on iPhone, you can use an iPhone to accept contactless payments through an app supported by any of the participating payment service providers . No extra terminal or hardware is required. If you already have a payment terminal, contact your payment service provider to find out if it accepts contactless payments.

How do I let my customers know I accept Apple Pay?

Download the Apple Pay mark to use within email, on your terminal screen, on your website, and in your app. You can also order Apple Pay decals to put on your storefront window and register. You can even get marketing materials for Apple Pay Later, including a messaging widget and logos. Eligible merchants in the United States that accept Apple Pay online and in apps are automatically set up to accept Apple Pay Later — no integration work required. For more details about the merchant experience, visit Apple Pay Later for Developers .

What’s the difference between Apple Cash and Apple Pay?

Apple Cash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay. Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.

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在几秒钟内设置Apple Pay。了解如何

苹果支付方式。

添加卡片

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比

使用卡片
或现金。

全额付款或分期付款。

隐私和安全
内置。

以百万计接受
网站和应用程序的数量。

准备好了
并设置。
走吧。

几秒钟内完成设置。就在你的iPhone上。Apple Pay内置于iPhone、Apple Watch、Mac和iPad中。首先，将您的信用卡或借记卡添加到iPhone上的Wallet应用程序中，您可以选择通过一个简单的步骤将其添加到其他设备中。当你想付款时，只需双击、轻触即可。您仍然可以获得卡上的所有奖励和福利，因此您不会错过任何来之不易的积分或里程。

如何设置Apple Pay

使用Apple Pay Later随时间付费。¹
Apple Pay Later允许您在六周内将购买分成四笔等额付款，无需利息、费用或惊喜。²只需在iPhone或iPad上使用Apple Pay在线或在应用程序中查看，然后选择Pay Later。你很快就会发现你是否被批准了——不会影响你的信用评分。^三您可以管理钱包中的一切，使用内置工具帮助支持健康的消费习惯。

了解有关Apple Pay Later的更多信息

在Apple Pay中使用Apple Cash。Apple Cash是一种储存在钱包中的数字卡，用于存储您收到或想要发送的现金。⁴你可以直接在钱包或消息中汇款——为你的团队支付早午餐费用，或者为同事的礼物买单。你也可以在商店、应用程序或通过Apple Pay在线消费。

了解有关Apple Cash的更多信息如何汇款

容易的。
一切尽在掌握。

抓住来自
街角咖啡馆。加载
提升您的应用程序。
订购新的在线。
拥有交付。

订阅.
获取

来自
自动售货机。

而且来自

超市。
你看

对于
或什么时候
你去结账。

在商店和其他地方。美国85%以上的零售商接受Apple Pay，因此您可以随时随地使用它。如果你不确定，尽管问。Apple Pay适用于从自动售货机、杂货店到出租车和地铁站的任何非接触式支付。

如何使用iPhone在商店付款

在应用程序和在线中。使用Apple Pay在iPhone、iPad或Mac上的Safari中进行购买。你可以跳过冗长的结账单，只需轻轻一看就可以付款。或者使用Apple Pay订阅Apple Music、Apple News+和Apple TV+等服务，在App Store上购买应用程序和游戏，并升级您的iCloud存储。

如何在线支付
使用触摸ID

安全和
声音。
而且很安全。

个人数据。受保护的。当您进行购买时，Apple Pay使用特定于设备的号码和唯一的交易代码。因此，您的卡号永远不会存储在您的设备或苹果服务器上。当你付款时，你的卡号永远不会被苹果与商家共享。如果您不想在网上付款时与商家共享您的电子邮件地址，可以使用“隐藏我的电子邮件”生成唯一的随机电子邮件地址，自动转发到您的个人收件箱。

您的购买将保密。当你用借记卡或信用卡支付时，Apple pay不会保留可以与你绑定的交易信息。当您使用Apple Cash时，存储的信息仅用于故障排除、欺诈预防和监管目的。

点击更多。无需触摸。Apple Pay可以直接在您的设备上工作，帮助您避免触摸按钮和终端、处理卡和兑换现金。每次购买都需要脸ID、触摸ID或密码，这有助于确保您的安全。

问题？答案。

您可以使用Apple Pay在商店、网站和应用程序中进行购买。它被广泛接受，简单，安全，安全，私密。
Apple Pay比使用实体信用卡、借记卡或预付卡更安全。在iPhone、Apple Watch、Mac或iPad上购买产品时，需要脸ID、触摸ID或密码。您的卡号和身份不会与商家共享，您的实际卡号也不会存储在您的设备或Apple服务器上。

当你在商店付款时，苹果和你的设备都不会将你的实际卡号发送给商家。当您在Safari或应用程序中在线支付时，商家只会收到您授权履行订单的信息，例如您的姓名、电子邮件地址、帐单和发货地址。

当你用借记卡或信用卡付款时，苹果不会保留可以绑定到你身上的交易信息。当您使用Apple Cash时，存储的信息仅用于故障排除、欺诈预防和监管目的。
- 了解有关Apple Pay安全和隐私的更多信息
这很简单。只需将信用卡、借记卡或预付卡添加到iPhone上的Wallet应用程序中，然后选择将该卡添加到要与Apple Pay一起使用的任何其他Apple设备中。它适用于iPhone、Apple Watch、Mac和iPad。如果您升级到新的iPhone，您可以轻松地将卡自动传送到新设备。
- 添加卡片
Apple Pay使用世界各地银行的主要信用卡和借记卡，并不断添加更多内容。你可以看到所有支持Apple Pay的银行在这里。如果您的卡尚不支持Apple Pay，请联系您的银行了解更多信息。
对。将符合条件的Discover信用卡帐户连接到与Apple Pay一起使用的关联卡，以便在Wallet中安全查看您的卡帐户详细信息，包括卡余额和长达两年的交易历史记录。⁵要连接帐户，请打开Wallet，选择您的卡，轻按更多按钮，然后选择Card Details。然后点击获取账户余额和活动，然后按照屏幕上的步骤进行操作。
Apple Pay Later是一种付款选项，允许您立即购物，并在六周内分四次分期付款，无需支付利息或费用。²在Apple Pay中，您可以通过应用程序和iPhone或iPad在线购买。您可以在钱包中的一个有组织的地方管理所有Apple Pay Later贷款和付款，无需单独下载应用程序，也无需记住额外密码。
不。当你在商店、在线或应用程序中使用Apple pay支付时，Apple不会收取任何费用。当你使用Apple Pay Later时，苹果不收取利息或费用。
Apple Pay适用于支持非接触式支付的国家和地区。与您的银行确认，并询问他们在海外使用时可能收取的任何费用。Apple Pay Later仅适用于在美国商户购物的合格申请人。¹
如果您的企业已经接受信用卡和借记卡，只需联系您的支付提供商
开始接受Apple Pay。如果您想在您的网站或应用程序中接受Apple Pay，
参观苹果支付开发者。Apple Pay Later是Apple Pay的一部分，无需集成或其他步骤。
通过iPhone上的点击支付，您可以使用iPhone通过任何参与支付服务提供商。不需要额外的终端或硬件。⁶如果您已经有支付终端，请联系您的支付服务提供商以了解其是否接受非接触式支付。
下载Apple Pay标记，以便在电子邮件、终端屏幕、网站和应用程序中使用。您还可以订购Apple Pay贴花，将其贴在店面窗户上并进行注册。您甚至可以获得Apple Pay Later的营销材料，包括消息小工具和徽标。
在美国，接受Apple Pay在线和应用程序中的合格商户将自动设置为接受Apple Play Later，无需集成工作。有关商家体验的更多详细信息，访问Apple Pay Later for Developers.
Apple Cash是一种电子钱包中的数字卡，可以让您在信息或钱包中收发钱。您收到的钱会显示在钱包中的苹果现金卡上。你可以在商店、网上和使用Apple Pay的应用程序中随心所欲地消费。

Apple Pay使您能够使用Apple Cash、Apple Card以及您添加到Wallet中的任何其他信用卡和借记卡进行安全、无接触的购买。