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How to make Apple Card payments

See how to make a payment, check your balance, and choose a payment source.

Check your balance

To see your Card Balance, open the Wallet app on your iPhone and tap Apple Card. 1 The Card Balance shows below your card. Card Balance includes all new spending and any remaining monthly balance. If you have Apple Card Monthly Installments, then your balance includes the newly billed monthly installment.

You can only pay off purchases after they clear, so Card Balance will continue to reflect pending transactions, even if you make a maximum payment.

Find your monthly balance

The monthly balance includes all of your spending in a calendar month (except for any pending transactions), interest charges, and credits posted to your account. It also includes any remaining balance from the previous month. If you have Apple Card Monthly Installments, 2 your monthly balance includes your interest-free monthly installment. When you pay the monthly balance, it stops additional interest charges on your account.

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Your monthly balance is automatically selected and you see a green checkmark.

If you already paid some of your monthly balance, your remaining monthly balance is shown. If you pay off your monthly balance each month by the due date, you aren’t charged interest.

Find your minimum payment due

The minimum payment is the minimum amount you must pay towards your Apple Card balance to keep your account current.

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Press and slide counterclockwise until the wheel turns red and stops.
4. You see the minimum payment due.

When your minimum payment is due, Payment Due appears with the amount below your Apple Card. If you bought an iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments, your monthly installment is included in the minimum payment amount.

How to make payments

You can set up recurring scheduled payments or make a one-time payment in the Wallet app with just a few taps. If you don’t have an eligible iPhone or iPad, you can make an Apple Card payment online at card.apple.com.

For Apple Card Family, account owners and co-owners are responsible for all payments on the shared Apple Card account. On a co-owned account, each co-owner can make payments on the account and can add a bank account. Before making or scheduling a payment on a shared Apple Card acocunt, co-owners should verify that the correct bank account is selected. 3

Set up scheduled payments for Apple Card

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap the more button , tap Scheduled Payments, then tap Continue.
3. Tap Pay My Bill to pay your previous monthly balance or tap Pay Different Amount to choose an amount. Then tap next:
   • If you chose Pay My Bill, select when you want your payment to be made, then tap Next.
   • If you chose Pay Different Amount, select your payment amount, when you want the payment to repeat, when you want the first payment to be made, then tap Next.
4. Confirm with Face ID, Touch ID, or passcode.
5. Tap Done.

If you want to change your scheduled payment, you need to first cancel your current scheduled payment. Just tap the more button , then tap your scheduled payment under Scheduled Payments. Tap Cancel Payments and tap Cancel Payments again to confirm your choice.

Make a one-time payment

On your iPhone in the Wallet app, you can make an immediate one-time payment or you can schedule a one-time payment.

Pay now

To make an immediate one-time payment, follow these steps:

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Hold and slide the payment wheel to choose a payment amount.
4. Tap Pay Now to instantly make your payment, then follow the instructions on your screen.

Pay later

Here’s how to schedule a one-time payment:

1. Open the Wallet app on your iPhone, tap Apple Card, then tap to pay.
2. Hold and slide the payment wheel to choose a payment amount, then tap Pay Later.
3. Choose the date you want to make the payment. 4
4. Tap Pay on [your chosen date], then follow the instructions on your screen.

If you set up Apple Cash and verified your identity, you can use Apple Cash or your bank account to make an immediate one-time payment.

Make additional payments on your Apple Card Monthly Installments

If you pay your minimum payment due each month, you’re automatically paying your Apple Card Monthly Installment for that month. To make an additional payment or pay off your installment balance, you need to pay your Maximum Payment for all other Apple Card purchases before additional payments can be applied to your installment balance.

Apple Card Monthly Installments are interest-free and all other purchases you make with your Apple Card have a variable APR. 2 When you pay toward your Apple Card balance first, you can reduce or eliminate interest charges.

If you pay more towards your installment balance, you might reduce the number of payments, but you’re still required to pay your installment the next month.

If your iPhone or iPad is unavailable

If your iPhone is missing or stolen, you can call an Apple Card specialist to make a payment. You can also ask an Apple Card specialist to help you set up scheduled payments so you won’t miss a payment.

If you added your Apple Card to another iPhone, you can make a payment or set up scheduled payments in the Wallet app on that iPhone. If you added your Apple Card to your iPad, you can go to Settings > Wallet & Apple Pay > Apple Card, then tap Make a Payment or set up Scheduled Payments.

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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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Manage the cards that you use with Apple Pay

After you add cards to Wallet, you can change your default card, update your information, or remove a card. 1

Managing your cards works differently depending on the device you’re using. 2

Change your default card

The first card that you add to Wallet is your default card. If you add more cards and want to change your default card, use these steps.

iPhone or iPad

Go to Settings > Wallet & Apple Pay on your iPhone or iPad, and scroll down to Transaction Defaults. Tap Default Card, then choose a new card.

On your iPhone, you can also open Wallet, touch and hold a card, then drag it to the front of your cards.

Apple Watch

Open the Apple Watch app on your iPhone. Tap the My Watch tab, tap Wallet & Apple Pay > Default Card, then choose a new card.

Mac models with Touch ID

Go to System Preferences > Wallet & Apple Pay. Choose a new card from the Default Card pop-up menu.

Person to person payments with Apple Pay and Apple Cash aren’t available on macOS. 3

Update your billing and contact information

Learn how to update your billing and shipping information for the cards that you use with Apple Pay. For Apple Card, 4 see how you can view and update your billing address and contact information.

iPhone or iPad

• To change your billing information, go to Settings > Wallet & Apple Pay, tap a card, then tap what you want to update.
• To update your email address, phone number, and shipping address, go to Settings > Wallet & Apple Pay, then choose what you want to update.

Mac models with Touch ID

• To change your billing information, go to System Preferences > Wallet & Apple Pay, click a card, then click the Billing Address pop-up menu.
• To update your email address, phone number, and shipping address, go to System Preferences > Wallet & Apple Pay, then click Contact and Shipping.

While you can’t change your card number or expiration date, it should update automatically when you get a new card. If your issuer doesn’t support updates, you might need to remove the card, then add it again.

Remove a card

If you need to, you can remove a card from your device. For Apple Card, 4 learn how you can close your account. For Apple Cash, 3 use these steps to close your Apple Cash account or turn off Apple Cash on a certain device.

iPhone or iPad

To remove a card that you use on your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then scroll down and tap Remove This Card.

Or open Wallet, tap a card, tap , then scroll down and tap Remove This Card.

Apple Watch

To remove a card that you use on your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, scroll down, tap Wallet & Apple Pay, tap the card, then scroll down and tap Remove This Card.

Or tap Wallet on the Home screen of your Apple Watch, tap a card, touch and hold, then tap Delete.

Mac models with Touch ID

To remove a card that you use on your Mac, go to System Preferences > Wallet & Apple Pay, click the card that you want to remove, then click the minus (–) sign to remove the card.

Manage your store or rewards cards

If you turn on Automatic Selection on a store card, the store card will be presented instead of your default card when you pay at the associated store. If you turn on Automatic Selection on a rewards card, your rewards information will be presented at the associated store when using Apple Pay.

When you add a store card or rewards card to Wallet, you might be asked if you want the card to be automatically selected. To turn Automatic Selection on or off:

1. Open the Wallet app.
2. Tap the store card or rewards card.
3. Tap , then turn Automatic Selection on or off.

Get help if your device is lost or stolen

To use Apple Pay, you need to authorize each credit, debit, or prepaid card purchase with Face ID, Touch ID, or your passcode. Or on Apple Watch when Wrist Detection is on, you need to enter your passcode every time you put on your Apple Watch. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

Go to your Apple ID account page or use Find My iPhone to suspend or permanently remove the ability to pay from that device with Apple Pay. On your Apple ID account page, sign in and click your device. In the information that appears, go to the Apple Pay section and click either Remove or Remove all. Your card or cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network.

You can also call your issuer to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

Learn more

1. Learn which countries and regions support Apple Pay.
2. Apple Pay isn’t available in China mainland for Mac models with Touch ID.
3. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. This feature is available only in the United States. Learn more about the Terms and Conditions.
4. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Apple Card is available only in the United States.

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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