Paypal credit with apple pay

PayPal Apple Pay — Can I use it?

Apple’s digital wallet — Apple Pay¹ — is a handy way to make purchases in person and online. Unfortunately at the moment, you can’t use Apple Pay and PayPal together — although you can link your Apple ID to PayPal for some in app purchases. This guide will tell you how.

We’ll also take a look at the Wise multi-currency Mastercard as an alternative to use with your Apple Pay account, to cut costs and spend conveniently. It could end up being up to 4x cheaper for spending abroad.

Apple Pay and PayPal — the basics

As we have noted, you can’t use your PayPal account with Apple Pay. That means you can’t use PayPal to fund contactless purchases on the iPhone or Apple Watch. It’s also worth noting that you can’t use a PayPal Cash Card with Apple Pay.²

It is, however, possible to add PayPal to your Apple ID to make in app purchases. That means you can use PayPal to buy from the App Store, Apple Books or iTunes, or to buy Apple iCloud storage.

Try Wise instead

You can’t link your PayPal account or card to Apple Pay. But you can access simple, low cost payments using Apple Pay, if you use a Wise multi-currency account and Mastercard instead. If you’re spending overseas, or shopping online with retailers based abroad, this may also save you money compared to PayPal.

Get a Wise multi-currency account online to hold dozens of currencies and access currency conversion at the mid-market rate. Simply switch to the currency you need for a low, upfront charge, and you can spend using the card, with no additional foreign transaction fees. Link to Apple Pay for convenience, and you’re all set.

Spend online without a foreign transaction fee using the Wise Mastercard

How to add PayPal to your Apple ID

You can use PayPal for purchases using Apple ID. Here’s how to link your PayPal account and Apple ID.⁴

On an iPhone or iPad:

  1. Click Settings followed by your name
  2. Select iTunes & App Store
  3. Choose* Apple ID*, then View Apple ID
  4. Tap Payment Information, select PayPal and add the required information

On Mac and PC:

  1. Open* iTunes* and hit Account at the top of the screen
  2. Select View My Account
  3. Add your Apple ID password, then hit Edit, to the right of Payment Type
  4. Choose* PayPal* and click Done in the bottom right corner

On the web:

  1. Log into the Apple website⁵ and select Payments & Shipping
  2. Click Edit, Select Payment Method and then PayPal
  3. Hit Save and you’re done

So there you have it. You can’t use PayPal with Apple Pay — but you can make a limited number of purchases by linking PayPal to your Apple ID. For Apple Pay, why not link to a Wise multi-currency account and Mastercard instead, to save money when you shop.

  1. Apple — Apple Pay
  2. PayPal Support Center Can I add my PayPal Cashback Mastercard or PayPal Extras Mastercard to Apple Pay?
  3. Apple Support Center Payment methods that you can use with your Apple ID
  4. 9to5mac How to use PayPal for your Apple ID payment method
  5. Apple — AppleID

All sources checked on 19 May 2020

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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Payment methods that you can use with your Apple ID

To buy apps from the App Store, use Apple subscriptions like iCloud+ and Apple Music, or buy other media from Apple, you need an Apple ID and a valid payment method. See what forms of payment are accepted in your country or region.

If you can’t make purchases or update apps, including free apps, you need to update your payment method or add a new one. If you already verified that a payment method is available in your country or region and you’re still having trouble, contact your financial institution.

Find your country or region to learn what payment methods are available

United States and Canada

Latin America and the Caribbean

Europe, Russia, and Central Asia

Middle East and Turkey

United States and Canada

Canada

  • Apple Pay 1
  • Most credit and debit cards
  • PayPal 2
  • Apple ID balance (from redeeming Apple Gift Card or adding funds)

United States of America

  • Apple Card
  • Apple Pay 1
  • Apple Cash
  • Most credit and debit cards
  • PayPal 2
  • Apple ID balance (from redeeming Apple Gift Card or adding funds)

Latin America and the Caribbean

Anguilla

  • Most credit and debit cards

Antigua and Barbuda

  • Most credit and debit cards

Argentina

  • Most credit and debit cards

Bahamas

  • Most credit and debit cards

Barbados

  • Most credit and debit cards

Belize

  • Most credit and debit cards

Bermuda

  • Most credit and debit cards

Bolivia

  • Most credit and debit cards

Brazil

British Virgin Islands

  • Most credit and debit cards

Cayman Islands

  • Most credit and debit cards

Chile

  • Most credit and debit cards
  • Apple ID balance (from adding funds)
  • Mobile phone billing (through supported carriers)

Colombia

  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Costa Rica

  • Most credit and debit cards

Dominica

  • Most credit and debit cards

Dominican Republic

  • Most credit and debit cards

Ecuador

  • Most credit and debit cards

El Salvador

  • Most credit and debit cards

Grenada

  • Most credit and debit cards

Guatemala

  • Most credit and debit cards

Guyana

  • Most credit and debit cards

Honduras

  • Most credit and debit cards

Jamaica

  • Most credit and debit cards

Mexico

Montserrat

  • Most credit and debit cards

Nicaragua

  • Most credit and debit cards

Panama

  • Most credit and debit cards

Paraguay

  • Most credit and debit cards

Peru

  • Most credit and debit cards
  • Apple ID balance (from adding funds)

St. Kitts and Nevis

  • Most credit and debit cards

St. Lucia

  • Most credit and debit cards

St. Vincent and the Grenadines

  • Most credit and debit cards

Suriname

  • Most credit and debit cards

Trinidad and Tobago

  • Most credit and debit cards

Turks and Caicos

  • Most credit and debit cards

Uruguay

  • Most credit and debit cards

Venezuela

  • Most credit and debit cards

Europe, Russia, and Central Asia

Albania

    Most credit and debit cards

Austria

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • EPS 4 (adding funds only)
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Belarus

    Most credit and debit cards

Belgium

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Bancontact 4 (adding funds only)
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Bosnia and Herzegovina

    Most credit and debit cards

Bulgaria

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Croatia

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Cyprus

  • Apple Pay 3
  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Czech Republic

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Denmark

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Estonia

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Finland

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

France

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Georgia

    Most credit and debit cards

Germany

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers) 6
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Greece

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)
  • Mobile phone billing (through supported carriers)

Hungary

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Iceland

  • Apple Pay 3
  • Most credit and debit cards

Ireland

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)
  • Mobile phone billing (through supported carriers)

Italy

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Kazakhstan

  • Most credit and debit cards
  • Apple ID balance (from adding funds)
  • Mobile phone billing (through supported carriers)

Kosovo

  • Most credit and debit cards

Kyrgyzstan

  • Most credit and debit cards

Latvia

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Lithuania

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Luxembourg

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Malta

  • Apple Pay 3
  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Moldova

  • Most credit and debit cards

Montenegro

  • Most credit and debit cards

Netherlands

North Macedonia

  • Most credit and debit cards

Norway

Poland

Portugal

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Romania

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Russia

Serbia

  • Most credit and debit cards

Slovakia

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Slovenia

  • Apple Pay 3
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Spain

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Sweden

Switzerland

Tajikistan

  • Most credit and debit cards

Turkmenistan

  • Most credit and debit cards

Ukraine

  • Apple Pay 1
  • Most credit and debit cards

United Kingdom

  • Apple Pay 3
  • Most credit and debit cards
  • PayPal 2
  • Mobile phone billing (through supported carriers) 6
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

Uzbekistan

  • Most credit and debit cards

Africa

Algeria

  • Most credit and debit cards

Angola

  • Most credit and debit cards

Benin

  • Most credit and debit cards

Botswana

  • Most credit and debit cards

Burkina Faso

  • Most credit and debit cards

Cameroon

  • Most credit and debit cards

Cape Verde

  • Most credit and debit cards

Chad

  • Most credit and debit cards

Congo, Democratic Republic of the

  • Most credit and debit cards

Congo, Republic of the

  • Most credit and debit cards

Cote d’Ivoire

  • Most credit and debit cards

Eswatini

  • Most credit and debit cards

Gabon

  • Most credit and debit cards

Gambia

    Most credit and debit cards

Ghana

    Most credit and debit cards

Guinea-Bissau

    Most credit and debit cards

Kenya

  • Most credit and debit cards

Liberia

  • Most credit and debit cards

Madagascar

  • Most credit and debit cards

Malawi

  • Most credit and debit cards

Mali

  • Most credit and debit cards

Mauritania

  • Most credit and debit cards

Mauritius

  • Most credit and debit cards

Morocco

  • Most credit and debit cards

Mozambique

  • Most credit and debit cards

Namibia

  • Most credit and debit cards

Niger

  • Most credit and debit cards

Nigeria

  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Rwanda

  • Most credit and debit cards

São Tomé and Principe

  • Most credit and debit cards

Senegal

  • Most credit and debit cards

Seychelles

  • Most credit and debit cards

Sierra Leone

  • Most credit and debit cards

South Africa

Tanzania

  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Tunisia

  • Most credit and debit cards

Uganda

  • Most credit and debit cards

Zambia

  • Most credit and debit cards

Zimbabwe

  • Most credit and debit cards

Asia-Pacific

Australia

  • Apple Pay 1
  • Most credit and debit cards
  • PayPal 2
  • Apple ID balance (from redeeming Apple Gift Card or adding funds)

Bhutan

  • Most credit and debit cards

Brunei

  • Most credit and debit cards

Cambodia

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)

China mainland

  • UnionPay, PayEase, Chinese bank cards 5,6
  • Alipay 2
  • WeChatPay 2
  • Apple ID balance (from Top-Up cards or adding funds)

Fiji

  • Most credit and debit cards

Hong Kong

  • Apple Pay 1
  • Most credit and debit cards
  • AliPay HK
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming App Store & iTunes Gift Cards or adding funds)

India

  • Most credit and debit cards
  • Apple ID balance (from adding funds)
  • Net Banking 4 (adding funds only)
  • RuPay 4 (adding funds only)
  • UPI 4 (adding funds only)

Indonesia

  • DANA
  • Most credit and debit cards
  • Apple ID balance (from adding funds)
  • GoPay

Japan

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from redeeming Apple Gift Card or adding funds)

Laos

  • Most credit and debit cards

Macao

  • Most credit and debit cards

Malaysia

  • Most credit and debit cards
  • Touch’n’Go eWallet
  • Mobile phone billing (through supported carriers)

Maldives

  • Most credit and debit cards

Micronesia

  • Most credit and debit cards

Mongolia

  • Most credit and debit cards

Myanmar

  • Most credit and debit cards

Nauru

  • Most credit and debit cards

Nepal

  • Most credit and debit cards

New Zealand

Pakistan

  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Palau

  • Most credit and debit cards

Papua New Guinea

  • Most credit and debit cards

Philippines

  • GCash
  • PayMaya
  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)

Singapore

Solomon Islands

  • Most credit and debit cards

South Korea

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • kakaopay 2
  • PAYCO 2

Sri Lanka

  • Most credit and debit cards

Taiwan

Thailand

  • Most credit and debit cards
  • TrueMoney 7
  • Mobile phone billing (through supported carriers)

Tonga

  • Most credit and debit cards

Vanuatu

  • Most credit and debit cards

Vietnam

  • MoMo
  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Middle East and Turkey

Afghanistan

  • Most credit and debit cards

Armenia

  • Most credit and debit cards

Azerbaijan

  • Most credit and debit cards

Bahrain

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)

Egypt

  • Most credit and debit cards
  • Apple ID balance (from adding funds)

Iraq

  • Most credit and debit cards

Israel

  • Most credit and debit cards
  • PayPal 2
  • Apple ID balance (from adding funds)

Jordan

  • Most credit and debit cards

Kuwait

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)

Lebanon

  • Most credit and debit cards

Libya

  • Most credit and debit cards

Oman

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)

Qatar

  • Most credit and debit cards
  • Mobile phone billing (through supported carriers)
  • Apple ID balance (from adding funds)

Saudi Arabia

Turkey

United Arab Emirates

Yemen

  • Most credit and debit cards

  1. Apple Pay requires two-factor authentication.
  2. You might be asked to verify your account with the payment method provider.
  3. When you use Apple Pay in Europe, pay with any eligible card that’s in Wallet on the device that you’re using. Learn more about billing and purchases in Europe.
  4. This payment method can’t be used for Family Sharing.
  5. You must provide the mobile phone number that your card’s issuing bank has on file for you. Some cards do not have mobile numbers associated with them. If this is the case with your card, contact your bank to update or replace it.
  6. This payment method can’t be used for AppleCare+ installment plans. You can’t remove other payment methods if they’re the only accepted payment method for your installment plans.
  7. With TrueMoney, you must provide the mobile phone number associated with your TrueMoney account.

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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