Apple Pay, which lives inside the Wallet app, keeps all your credit cards, debit cards, store cards, and loyalty cards safe and secure on your iPhone or iPad. Apple confirms there is no fee to use Apple Pay Cash with a debit card. The Apple Pay system is a secure credit card storage method that allows you to use your compatible iPhone, iPad, or Apple Watch to make payments through the Apple Pay system. The premise is that all the actual payment transactions are handled by Apple’s system and not the all-too-frequently-compromised systems used by various retailers. You can also use Apple Pay for a subscription to Apple Music, Apple News+, and Apple Arcade. Apple confirms there is no fee to use Apple Pay Cash with a debit card. You can make contactless, secure purchases in stores, in apps and on the web. (2) Under the My Watch tab, select Wallet & Apple Pay. To pay using your Apple Watch, double-click the side button and hold the watch near the reader until you see the word Done and the checkmark. (3) If you have cards on your other Apple device, tap the Add menu located next to the card number. All recent iPads, from the current generation down to the fifth-generation iPad, iPad Pro, iPad Mini 3 and 4, and the iPad Air 2, all work with Apple Pay. If someone sends you money via Apple Cash, it’s automatically kept on your Apple Pay Cash card. (1) Open the Watch app on iPhone which you used to sync the Apple Watch.
Apple Pay provides a faster and safer way to pay in-store and online. If someone sends you money via Apple Cash, it’s automatically kept on your Apple Pay Cash card. * Scan a barcode or QR code (Scroll down in Wallet, tap Edit Passes, tap Scan Code, and scan with your iPhone camera). Apple Pay is supported on most devices — iPhone models from the first generation iPhone SE (2016) to the current iPhone 11 are supported, and all Apple Watches support Apple Pay.

You can use Apple Pay on an Apple Watch to make purchases even easier.
Here's how to set it up and use it with your debit or credit card. If you send money using a credit card, though, there’s a standard three percent credit card fee on the amount. There’s no need to unlock your device or open an app. *; If you pay with Apple Pay at a supported merchant and you get a notification, tap the Wallet notification. Here's a step-by-step guide on how to set it up on your iPhone, iPad, Apple Watch or Mac and start using it. Use Wallet-enabled apps (Scroll down in Wallet, tap Edit Passes, and tap Find Apps for Wallet).