How to Set Up Apple Pay

iOS 8.1 was released today, and with it comes the launch of Apple Pay, which is the company’s own digital payment platform for iOS users. Here’s how to set it up.

Apple Pay allows you to store your credit card information on your iPhone and use it to buy stuff at any store that supports Apple Pay. The iPhone 6 has an NFC chip that allows you to tap the pay terminal at a store to instantly buy goods. Furthermore, doing this doesn’t give the store your credit card information, so you’re less susceptible to store hacks that steal credit card information, similar to the recent Home Depot and the Target hacks.


Apple Pay also works with mobile shopping apps, allowing you to pay with a single touch of the Touch ID fingerprint sensor in shopping apps that support the feature.

After you update to iOS 8.1, the new digital wallet system is ready to set up, and it only takes a couple of minutes to get a couple of your credit and debit cards stored on your iPhone or iPad so that you can begin shopping and paying for things the way it was meant to be.

Here’s how to set up Apple Pay.


Setting Up Apple Pay

After you update to iOS 8.1, open up the Passbook app. Swipe down anywhere until you see a plus icon appear in the upper-right corner of the screen. Tap on that plus icon.


Apple Pay

Go ahead and tap on Set Up Apple Pay to begin the process. There are two ways to add a credit or debit card to your Apple Pay wallet. One way is quickly adding your card that you already have on file with Apple for iTunes purchases. You can tap on Use Card on File with iTunes for this, or just select Use a Different Credit or Debit Card.

If you choose the former, all you’ll need to do is enter in the security code of that card and click Next to add to your Apple Pay wallet. That’s all there is to it!



If you choose to add your own credit or debit card, the process takes a bit longer, but is still quick and really easy.

When selecting Use a Different Credit or Debit Card, you can either enter in the card details manually (your name, the card number, expiration date, and security code) or take a photo of your card and have Apple Pay enter in those details automatically by reading the numbers on the card using the camera, but you’ll still need to enter in the security code manually.


Depending on what card you add and what bank it’s with, you may have to use that bank’s verification system. In my case, I had to get a verification code from Chase in order to verify Chase Freedom card. But after I received it and entered it into Apple Pay, the card was verified and activated and is now ready to use.



From there, I can open up my Passbook, and my added credit cards will be shown at the top, while my other miscellaneous Passbook cards are at the bottom.


Now, whenever I want to pay for items at a local store that supports Apple Pay, I can just open Passbook, select the credit card that I want to use and then hold my iPhone 6 toward the pay terminal at the cash register while pressing my finger down on the Touch ID fingerprint sensor.

Or if you’re buying something inside of an iOS app, you can quickly pay for it by holding a finger down on the Touch ID sensor. No need to enter in credit card information!