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How to Set Up Apple Pay and Add Credit Cards

Now that iOS 8.1 has been released to the public, we're getting our first look at what Apple Pay looks like on the iPhone 6 and the iPhone 6 Plus. Apple Pay isn't immediately obvious when iOS 8.1 is installed -- users will need to open up Settings or Passbook to see various Apple Pay features.

The initial setup for Apple Pay can be done through Passbook. Tapping the "+" icon in Passbook will allow users to add a card. If a card is already associated with an iTunes account, users can tap choose to use that card, or enter another one using the camera.

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The camera roll will capture a card number, expiration date, and user's name, requiring the security code on the card to verify the number with the bank.

The verification process takes just a few seconds for most cards that are currently working with Apple Pay, after which the card can immediately be used for purchases. Some cards require additional verification steps, such as phone calls and emails. All cards stored in Passbook will be stacked on top of each other in Passbook's traditional style, with tap pulling a specific card to the forefront of the app.

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Apple Pay's neatest features are buried in the Settings menu, located under the new "Passbook and Apple Pay" section. Each credit card listed added to Passbook is listed here, along with Transaction Defaults like billing address, shipping address, email, and phone number.

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Tapping on one of the cards provides specific information about the card, allowing users to see the last digits of the card number, the last digits of the Device Account Number that replaces the card number in transactions, and it also provides contact information for the bank behind the card, as well as an app download.

Each card also includes a list of recent transactions that have been made, and with some cards, transactions made in stores that don't support Apple Pay will be listed right alongside Apple Pay transactions. This settings area is also where a card can be removed from Apple Pay.

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After being set up, Apple Pay can be used within stores and within participating apps to make purchases with a single touch. When in a store, making a purchase is as simple as holding an iPhone 6 or 6 Plus near a contactless payment terminal with a finger on Touch ID, can be seen in the demo video below from The Verge.


According to Apple, Apple Pay will work with more than 200,000 stores that support contactless payments, and it has partnered with several retailers like Walgreens, Macy's, and Whole Foods to ensure support in those locations. Apple Pay also works for purchases made in participating apps like Uber, Starbucks, and Apple's own Apple Store app.

Related Roundup: Apple Pay


Top Rated Comments

(View all)

30 months ago

Lol @ trusting apple with secure data

Yeah it's not like they've been trusted with hundreds of millions of credit cards for several years...
Rating: 41 Votes
30 months ago
Now that my wallet is obsolete, where am i supposed to put these now?
Rating: 12 Votes
30 months ago

Uhm... your DEBIT card?

Seriously, who does that? Whoever it is gets an all-caps FANBOI.



Because people use Debit cards more offten than credit at times? The hell is wrong with you.
Rating: 10 Votes
30 months ago
UK please, kthxbai.
Rating: 8 Votes
30 months ago
Many users are reporting that cards are not yet being accepted during setup even if the issuer is listed as an Apple Pay partner.

We're going to have to be patient with the banks as they enable things from their end.
Rating: 7 Votes
30 months ago
Kind of scary how smoothly that worked... all 3 cards in. Apple, I blame you for that robot dog I just bought ;)
Rating: 7 Votes
30 months ago

My bank doesn't support it, useless update for me. Google wallet worked fine with my Visa debit card on my Nexus.


Of course Google wallet works fine with any card - it doesn't use bank-verified tokens, it uses your ACTUAL credit card numbers. This makes Apple Pay much more secure than Google Wallet.
Rating: 7 Votes
30 months ago

Lol @ trusting apple with secure data


Apparently you have no idea how Apple Pay works. Apple has 0% of your data. They just provide the mechanism to transfer your encrypted key to the bank from the merchant for authorization.
Rating: 7 Votes
30 months ago
Not working on iPhone 5s

My understanding was that iPhone 5s users would be able to use Touch ID for online purchases in apps that support Apple Pay. (http://www.forbes.com/sites/markrogowsky/2014/10/20/apple-pay-is-here-and-its-going-to-be-great-why-the-skeptics-have-it-wrong/ (http://www.forbes.com/sites/markrogowsky/2014/10/20/apple-pay-is-here-and-its-going-to-be-great-why-the-skeptics-have-it-wrong/)) However, I don't have the options to add a credit card.
Rating: 6 Votes
30 months ago

My bank doesn't support it, useless update for me. Google wallet worked fine with my Visa debit card on my Nexus.

Yes, unfortunately the Bank Of Vulcan does not qualify...
Rating: 5 Votes

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