Apple pay supported networks

Make purchases using Apple Pay

You can pay using Apple Pay in stores, within apps and on the web, and more.

How to pay using Apple Pay in stores and other places

With your iPhone or Apple Watch, you can use Apple Pay in stores, restaurants, gas stations, taxis, or wherever else you see one of these symbols 1 .

Pay with your iPhone

1. To use your default payment card:
   • If your iPhone has Face ID, double-click the side button. Authenticate with Face ID or enter your passcode.
   • If your iPhone has Touch ID, rest your finger on the Touch ID sensor.
2. To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
3. Hold the top of your iPhone near the contactless reader until you see Done and a checkmark on the display.

Pay with your Apple Watch

1. Double-click the side button.
2. Your default card opens automatically. Scroll down to choose another card.
3. Hold the display of your Apple Watch near the contactless reader until you feel a gentle tap and hear a beep.

Want to see your recent purchases? Learn how to check your Apple Pay transaction history.

How to pay using Apple Pay online or within apps

You can use Apple Pay to pay online in Safari 2,3 or within apps when you see Apple Pay as a payment option.

1. Tap the Apple Pay button or choose Apple Pay as your payment method.
2. To pay with a different card, tap the Next button or the Expand Menu button next to your default card.
3. If necessary, enter your billing, shipping, and contact information. Apple Pay stores that information, so you won’t need to enter it again.
4. Confirm the payment.
   • iPhone or iPad with Face ID: Double-click the side button, then use Face ID or your passcode.
   • iPhone or iPad without Face ID: Use Touch ID or your passcode.
   • Apple Watch: Double-click the side button.
   • Mac with Touch ID: Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen.
   • Mac without Touch ID: Confirm the payment on your Bluetooth-connected iPhone or Apple Watch. Make sure that you’re signed in with the same Apple ID on all devices.
5. When your payment is successful, you’ll see Done and a checkmark on the screen.

1. In addition to accepting Apple Pay, the merchant must accept your payment card and payment network.
2. In China mainland, you can use Apple Pay on the web in Safari only on a compatible iPhone and iPad with the latest version of iOS or iPadOS.
3. In Italy, you can use your iPhone and Apple Watch to make Apple Pay purchases in stores with your Maestro card. Maestro cards can’t be used within apps and on the web. In the Netherlands, you can add Maestro cards to all compatible devices except Mac.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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Apple Pay

Learn how to accept Apple Pay payments.

Read more

Learn about pricing and settlement services for Apple Pay on adyen.com.

Apple Pay provides a secure and seamless payment method that you can offer in-app, in store, and on the web. Apple Pay uses network tokenization, stores payment information securely in the shopper’s Apple Pay eligible device, and confirms the payment through Touch ID or Face ID authentication. If you are implementing in Europe, Apple Pay is PSD2 SCA-compliant.

When the shopper selects Apple Pay, they are presented with a payment sheet where they choose a card and provide contact details and shipping address. Then they are prompted to authenticate the payment through Face ID or Touch ID.

Apple Pay supports liability shift for American Express, Discover, JCB, Mastercard, but not Visa.

Adyen does not currently support UnionPay cards through Apple Pay.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Separate captures	Partial captures	Chargebacks
Wallet	Direct	International	Multiple

Compatibility

Apple Pay is available with specific issuers, on specific devices and browsers, and in specific countries. Refer to:

On the web, the only browser that will display Apple Pay as a payment option is Safari.

Supported networks

Our integration supports the following card networks:

• American Express: Supported globally.
• Cartes Bancaires: Supported in France.
• Discover: Supported in the US.
• Electron: Supported globally.
• Elo: Supported in Brazil; you must have a local business entity in Brazil to offer this to shoppers.
• Girocard: Supported in Germany.
• Interac: Supported in Canada; you must have a local business entity in Canada to offer this to shoppers.
• JCB: Supported in Japan.
• Maestro: Supported in the EU and Brazil.
• Mastercard: Supported globally.
• Visa: Supported globally.

How do you want to integrate?

Use our pre-built UI solutions to add Apple Pay to your website.

Use our pre-built UI solutions to add Apple Pay to your iOS app.

API only

Build your own UI for Apple Pay in your website or iOS app.

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Implementing Apple Pay

Discover how to set up your developer account to support Apple Pay, verify that transactions are completed successfully, and make sure your implementation of Apple Pay follows guidelines for apps and the web.

Build your app and website.

Developer Account Setup

Learn about the identifiers and certificates in your Apple Developer account that are needed to implement Apple Pay for apps and websites. If you’re supporting Apple Pay in your app and website, we recommend using the same Merchant ID and certificate for both. Contact your payment service provider to confirm any additional transaction requirements applicable to your region.

Apple Pay for Apps

Get APIs for payment sheet interactions, authorization, updates, errors, and more.

Apple Pay on the Web

Safari supports two JavaScript APIs that let you accept Apple pay payments from customers on your website.

Apple Pay in Messages

Allow customers to pay quickly and easily with Apple Pay in an iMessage app or directly in a Messages for Business session.

Integrate, test, and verify.

E-Commerce Platforms and Payment Service Providers

The most popular e-commerce platforms and payment service providers support Apple Pay within apps and on the web. Use an Apple Pay SDK from a payment service provider to integrate Apple Pay in your app or website.

Apple Pay Web Merchant Registration API

Approved e-commerce platform and payment service providers can use the Apple Pay Web Merchant Registration API, along with their merchant IDs, to register and unregister their merchants’ websites for Apple Pay.

Sandbox Testing

The Apple Pay sandbox environment allows you test your implementation of Apple Pay with test credit and debit cards.

Check the guidelines.

App Store Review Guidelines

Before submitting your app for review, make sure it follows these guidelines to help progress smoothly through the review process.

Apple pay on the Web Acceptable Use Guidelines

Before deploying Apple Pay on your website, make sure your implementation follows these guidelines.

Design guidelines

Learn how to optimize the design and checkout experience for Apple Pay.

Payment service providers

Support Apple Pay quickly and reliably with an SDK or API from a payment service provider (PSP).

View payment service providers

Contact us

Have a question or request? We can help by phone or email.

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Apple Pay

Here to pay.

Apple Pay is the one way to pay. It replaces your
physical cards
and cash with an easier, safer, more
secure, and private payment method — whether you’re
in a store, online, or sending cash to friends or family.
It’s money, made modern.

Shop with Apple Pay now through 12/15 and get exclusive deals from Ray‑Ban, Columbia, and more. See offers

Faster and easier
than

using cards
or cash.

Accepted at
over

retailers
in the U.S.

Safer than
touching
buttons
and

Privacy and
security

It’s ready
and set.
Just go.

Setup in seconds. Apple Pay is simple to set up. Just add your credit or debit card to the Wallet app on your iPhone and you’re ready to go. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points or miles.

Apple Pay is already on your device. Apple Pay is built into iPhone, Apple Watch, Mac, and iPad. No separate app to download. No complicated processes to complete. No hassles.

Use Apple Cash with Apple Pay. Apple Pay powers Apple Cash, which works a lot like a debit card and lets you send and receive money right in Messages. Just set up your Apple Cash card in the Wallet app and send money to your squad for brunch — or ask them to pay you back. 1

Easy.
Does it all.

Grab from the
corner cafe. Load
up your app.
Order a new online.
Have delivered.

Subscribe to .
Get

from a
vending machine.

supermarket.
Just look

for
or when
you check out.

At stores and more. Apple Pay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you’re not sure, just ask. Apple Pay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subway stations.

Online and in apps. Use Apple Pay for purchases in Safari on your iPhone, iPad, or Mac. You can skip the lengthy checkout forms and pay with just a touch or a glance. Or use Apple Pay to subscribe to services like Apple Music, Apple News+, and Apple TV+, buy apps and games on the App Store, and upgrade your iCloud storage.

Safe and
sound.

Personal data. Protected. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple with merchants.

Your purchases stay private. When you pay with a debit or credit card, Apple Pay 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.

Tap more. Touch less. Apple Pay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. So you keep your hands clean and are less likely to pick up — and spread — germs.

Get started
with
Apple Pay.

In case you
missed anything.

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 are 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. And remember to add your cards to any other Apple devices you want to use with Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad.

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.

Does it cost extra to use Apple Pay?

No. Apple does not charge any fees when you use Apple Pay — in stores, online, or in apps.

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.

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. Contact merchant support for more information. If you want to accept Apple Pay on your website or in your app, visit Apple Pay for developers.

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.

Wallet

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

Apple Card

The credit card reimagined —
with no fees, unlimited Daily Cash

back, and helpful financial tools. 2

Apple Cash

Use it to send and receive

money in Messages and wherever

Apple Pay is accepted.

Set up
Apple Pay
on your
Apple device.

iPhone

Open the Wallet app
and tap to add a card.

Apple Watch

Open the Apple Watch
app on your iPhone,
tap Wallet & Apple Pay,
and then tap Add Card.

Go to Settings
Wallet & Apple Pay
and tap Add Card.

On models with Touch ID,
go to System Preferences
Wallet & Apple Pay and
tap Add Card.

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