passbookapplewatchapplepayApple restricted Apple Pay to the iPhone 6 and 6 Plus due to the need for an NFC chip that's not included in older phones, which means Apple Pay has been limited to those with newer iPhones since it debuted in October of 2014.

One of the major perks of the Apple Watch is that it enables Apple Pay for some older iPhones because it has the same NFC chip that's in the iPhone 6 and 6 Plus. If you have an Apple Watch and an iPhone 5, 5c, or 5s, you can now use Apple Pay and the watch to make secure purchases in retail locations.

For those of you who haven't had a chance to use Apple Pay, we've written up a tutorial that walks through how to set it up on your watch.

Setting Up Apple Pay

How to Apple Pay on Apple Watch 5Even if you are already using Apple Pay on iPhone 6, you will need to add your credit and debit cards to Apple Pay for Apple Watch. You can add up to eight cards.

  1. Open the Apple Watch app on your iPhone and then select My Watch.
  2. Select Passbook and Apple Pay.
  3. Tap "Add Credit or Debit Card.
  4. Apple will automatically ask you to enter the security code of the credit card that is on file for iTunes and the App Store. If you don't want to use this card, select "Add a different credit or debit card."
  5. When the camera viewfinder appears, position your credit or debit card inside the frame. The app will scan the card for relevant information.
  6. If the card does not automatically scan, you can enter the information manually.

applepayreadyapplewatch
Once the card is added, you will see that it is listed as "activating." When it has been activated, you will receive a notification on Apple Watch that the card is ready for Apple Pay.

Using Apple Pay

When you are ready, head out to one of the participating retail stores. At checkout, simply open Passbook and Apple Pay app on Apple Watch and select the card you wish to use.

usingapplepay
When prompted, you will double-click the Side button (the button normally used to access your favorite contacts list). Make sure you are close to the reader so it will register your Apple Watch via near-field communication.

Deleting Credit Cards

You can remove credit cards from Apple Pay through the app on Apple Watch. Tap to select the card, then firm press to delete it from the list. You can also remove a card using the Apple Watch app on the iPhone.

If Your Apple Watch is Lost or Stolen

Since Apple hasn't yet added Find My Apple Watch, you should probably first start by deleting your credit card information from Apple Watch

  1. Sign into your account via icloud.com.
  2. Select Settings, then My Devices.
  3. Choose Apple Watch and click Remove All.
  4. You can also put a hold on your cards by calling your bank or credit card issuer directly.

Using Passbook

applewatchusingpassbookWithin the same app, you can use your Passbook loyalty and gift cards. Set up cards on your iPhone using the Passbook App.

When you are near the location of a store that you have a card saved in Passbook for, you will receive a notification on Apple Watch. Tap the notification to open Passbook and scroll to the relevant card. When ready, show the barcode on Apple Watch to the employee that will be scanning your card.

If you rearrange or delete old cards on Passbook on your iPhone, all changes will be reflected on Apple Watch.

Apple's contactless payment service uses a security feature that creates a unique Device Account Number that is assigned to cards once they are installed in Apple Pay. These encrypted card numbers, as well as a transaction-specific dynamic security code, are used at payment kiosks instead of your actual credit card numbers. So, not only is your transaction safer from hacking issues, but your personal information is no longer transmitted to the merchant.

Related Roundups: Apple Watch Series 8, Apple Pay
Buyer's Guide: Apple Watch (Buy Now)

Top Rated Comments

Jimi72 Avatar
96 months ago
Step 1: Move to the US
Score: 24 Votes (Like | Disagree)
BillyTrimble Avatar
96 months ago
What does this have to do with rumors or news I care about? A guide is totally off point for this site. Editors...start pulling your site back to its purpose or we'll jump. Full on content fail here.

"We'll"??? Who is we?

It's fine with me. To you I say, bye bye.
Score: 16 Votes (Like | Disagree)
staveb Avatar
96 months ago
What does this have to do with rumors or news I care about? A guide is totally off point for this site. Editors...start pulling your site back to its purpose or we'll jump. Full on content fail here.
Score: 15 Votes (Like | Disagree)
krewger Avatar
96 months ago
What does this have to do with rumors or news I care about? A guide is totally off point for this site. Editors...start pulling your site back to its purpose or we'll jump. Full on content fail here.

These guides are redundant and a blatant attempt to get search engine hits for macrumors for people trying to set this stuff up. Apple has a full site set up with tutorials on how to do all this. Macrumors needs to quit repeating what Apple already has posted on their user guided tours on apple.com. https://www.apple.com/watch/guided-tours/#film-apple-pay
Score: 13 Votes (Like | Disagree)
pilot3033 Avatar
96 months ago
You don't need to open the passbook app, you can double press the friends/side button to go directly to Apple Pay from anywhere on the watch.
Score: 8 Votes (Like | Disagree)
lk400 Avatar
96 months ago
This doesn't work for me. A very detailed guide, but seems to be missing the only valid piece of information - this doesn't work outside of the USA. Does macrumors really assume everyone is in the USA?
Score: 7 Votes (Like | Disagree)

Popular Stories

iphone 14 pro max vs 13 max 2

Camera Comparison: iPhone 14 Pro Max vs. iPhone 13 Pro Max

Thursday September 29, 2022 7:44 am PDT by
The iPhone 14 Pro and Pro Max introduce some major improvements in camera technology, adding a 48-megapixel lens and low-light improvements across all lenses with the new Photonic Engine. We've spent the last week working on an in-depth comparison that pits the new iPhone 14 Pro Max against the prior-generation iPhone 13 Pro Max to see just how much better the iPhone 14 Pro Max can be. Subscrib ...
tony blevins car

Apple Procurement VP Departs Company After Vulgar TikTok Comment

Thursday September 29, 2022 12:38 pm PDT by
Tony Blevins, Apple's vice president of procurement, is set to depart the company after he made a crude comment about his profession in a recent TikTok video, reports Bloomberg. Blevins was in a video by TikTok creator Daniel Mac, who was doing a series on the jobs of people he spotted with expensive cars. After seeing Blevins in an expensive Mercedes-Benz SLR McLaren, Mac asked Blevins what ...
Dark Sky App Featured

Dark Sky Removed From iOS App Store Ahead of Upcoming Shutdown

Wednesday September 28, 2022 4:27 pm PDT by
The Dark Sky weather app that's owned by Apple is no longer available for download in the U.S. App Store, suggesting that it has been removed ahead of schedule. Apple acquired Dark Sky back in March 2020 and has since incorporated elements of the app into the Weather app available on the iPhone (and soon, the iPad). Dark Sky remained available for purchase as a standalone weather app...
adaptive transparency airpods pro

iOS 16.1 Beta Brings Adaptive Transparency to Original AirPods Pro

Thursday September 29, 2022 1:08 pm PDT by
The third beta of iOS 16.1 that was released earlier this week expands the Adaptive Transparency feature introduced with the second-generation AirPods Pro to the original AirPods Pro. As noted on Reddit, first-generation AirPods Pro owners who also have the AirPods beta software will now see an "Adaptive Transparency" toggle in the AirPods section of the Settings app. The 5A304A beta...
tim cook malala

Tim Cook: Not Too Long From Now, You'll Wonder How You Led Your Life Without AR

Thursday September 29, 2022 7:26 am PDT by
Speaking at Università Degli Studi di Napoli Federico II in Naples, Italy, Apple CEO Tim Cook said that not too long from today, people will wonder how they led a life without augmented reality, stressing the "profound" impact it will have on the not so distant future. At the university, Cook was awarded an Honorary Degree in Innovation and International Management and also sat down for a...
iOS 16 Wallpaper Spectrum Feature

Five Wallpaper Apps to Check Out for iOS 16's New Lock Screen Depth Effect

Thursday September 29, 2022 9:08 am PDT by
One of the biggest new features in iOS 16 is a completely redesigned iPhone Lock Screen. The new Lock Screen is entirely customizable, letting you change the colors and fonts, add widgets and new wallpapers, and more to make your iPhone uniquely yours. Of course, even before iOS 16, you could customize your Lock Screen with a wallpaper of your choice. iOS 16 takes the Lock Screen wallpaper...
maxresdefault

Apple Responds to Video Testing Crash Detection Feature With Junkyard Vehicles

Friday September 30, 2022 9:11 am PDT by
The Wall Street Journal's Joanna Stern recently traveled to Michigan to test Apple's new crash detection feature on the iPhone 14 and Apple Watch Ultra. In response, Apple provided some additional information about how the feature works. Stern recruited Michael Barabe to crash his demolition derby car with a heavy-duty steel frame into two unoccupied vehicles parked in a junkyard — a 2003...
iphone 14 iphone 14 plus in hand feature

iPhone 14 Is Secretly Hiding a Beloved Mac Feature

Friday September 30, 2022 3:24 am PDT by
The iPhone 14 and iPhone 14 Pro models bring over a longstanding Mac feature, but the setting to enable it is off by default. The feature, which is actually a new accessibility option, allows the iPhone to play a startup chime like the Mac. When enabled, the sound comes alongside a new shutdown chime. The Mac has featured a startup chime since 1987's Macintosh II, and the iconic "bong"...
Hero0005

Best Apple Deals of the Week: M2 MacBook Air Hits New All-Time Low Price at $1,049, Plus Sales on AirPods Pro and More

Friday September 30, 2022 9:05 am PDT by
This week's best Apple deals focus on the AirPods Pro, AirPods Pro 2, and M2 MacBook Air, including numerous all-time low prices on these devices. You'll also find up to 50 percent off discounts on Anker and Eufy accessories on Amazon. Note: MacRumors is an affiliate partner with some of these vendors. When you click a link and make a purchase, we may receive a small payment, which helps us...
iPhone 15 to Switch From Lightning to USB C in 2023 feature sans arrow

Kuo: iPhone 14 Pro Max Popularity Could Lead to More Differentiation Between iPhone 15 Pro and iPhone 15 Pro Max

Wednesday September 28, 2022 10:22 am PDT by
Apple has seen high demand for the 6.7-inch iPhone 14 Pro Max, which could lead the company to further differentiate the next-generation iPhone 15 Pro and Pro Max, according to Apple analyst Ming-Chi Kuo. Apple could add exclusive features to the iPhone 15 Pro Max in an effort to encourage more people to purchase the larger and more expensive device. Kuo last week said that Apple asked...