What is Apple Pay? How Does Apple Pay Work? A Complete Guide to Adding Cards to Your Apple Pay

Unveil the secrets of Apple Pay and unlock a world of effortless and secure transactions. This comprehensive guide will delve into the intricacies of Apple Pay, explaining how it works, who can use it, which banks support it, and how to seamlessly add your payment cards. Embark on a journey of financial convenience and discover how Apple Pay empowers you to pay with a tap, everywhere you go.

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With its convenience and robust security features, Apple Pay has become one of the most popular contactless payment methods on Apple devices. However, many users still don’t fully understand how it works or how to add cards to Apple Pay. Join FPT Shop to explore “What is Apple Pay?” and other information surrounding this payment method in the article below!

What is Apple Pay?

Apple Pay is a contactless payment service on devices like the iPhone, Apple Watch, MacBook, iPad, and Mac. You can use Apple Pay to make purchases in stores or on websites and apps without using cash or physical cards. Apple Pay is also considered a fast, secure, and private payment method. In the future, experts predict that Apple will account for over 10% of all global transactions by 2025.

How does Apple Pay work?

Apple Pay is considered more secure than using debit cards, credit cards or prepaid cards. Apple Pay currently conducts transactions via NFC (near-field communication) so payments are completely secure, and no one can obtain the user’s card or personal information. In addition, you don’t need to confirm your information with the cashier using an ID card.

When making a purchase at stores that accept Apple Pay, simply open the Wallet app, then touch your Apple device to the NFC-enabled POS machine and confirm the payment via Touch ID, PIN or Face ID to complete the transaction.

When making payments on websites or apps that have Apple Pay, your shipping information will be automatically filled in based on the information linked to your debit or credit card in the Wallet. Apple does not charge you any fees when you use Apple Pay, whether you’re making payments in-store or online.

What are the requirements for using Apple Pay?

To use Apple Pay, you need a compatible Apple device with a debit or credit card supported by your bank, as well as an Internet connection. You can add your card to the “Wallet” app on your iPhone or Apple Watch, etc., then go to “Settings”. From here, you can use Face ID, PIN, or Touch ID to confirm transactions. However, what are the specific requirements for using Apple Pay? Here are the requirements you need to meet:

  • Use Apple devices with the latest operating system updates.
  • The region or country you live in must be changed to a location that supports Apple Pay payments.
  • Users must have an Apple ID and be signed in to iCloud.
  • Bank cards must be supported for payment by Apple Pay.

Which banks, countries and devices support Apple Pay

The Apple Pay service has been available in Vietnam since August 8, 2023. Initially, the Apple Watch has partnered with banks such as ACB, Techcombank, Vietcombank, MB Bank, Sacombank, and VP Bank.

Here are the countries or regions supported by Apple Pay:

  • Southeast Asia: Vietnam, Singapore, and Malaysia.
  • Africa: South Africa.
  • Asia-Pacific: Mainland China, Australia, Hong Kong, Japan, New Zealand, Macau, Taiwan, Singapore, Kazakhstan.
  • Europe: Belarus, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, France, Finland, Georgia, Greenland, Guernsey, Germany, Hungary, Italy, Greece, Jersey, Iceland, Isle of Man, Liechtenstein, Latvia, Luxembourg, Lithuania, Malta, Monaco, Netherlands, Montenegro, Norway, Portugal, Poland, Romania, San Marino, Russia, Serbia, Slovenia, Slovakia, Sweden, Spain, Switzerland, United Kingdom, Ukraine, Vatican City.
  • Caribbean and Latin America: Brazil, Mexico.
  • Middle East: Israel, United Arab Emirates (UAE), Saudi Arabia.
  • North America: Canada, United States.

iPhone devices that support Apple Pay include:

  • iPhone: iPhone 6, 6S, 6 Plus, 6S Plus, iPhone 7, 7 Plus, iPhone 8, 8Plus, iPhone SE, X, XS, XS Max, XR, iPhone 11, 11 Pro, 11 Pro Max, iPhone 12 Series (12, 12 Pro, 12 Pro Max, 12 mini), iPhone 13 Series (13, 13 Pro, 13 Pro Max, 13 mini), iPhone 14 Series (14, 14 Plus, 14 Pro, 14 Pro Max), iPhone 15 Series (15, 15 Plus, 15 Pro, 15 Pro Max).
  • iPad: iPad mini 3 and later, iPad Air 2 and later, iPad Pro models.
  • Apple Watch: Apple Watch Series 4 and later models.
  • Mac and Macbook: Models with Touch Bar.

Instructions on how to add a card to Apple Pay

Setup on iPhone

Step 1: Open “Wallet” on your iPhone and then click the “Add” button.

Step 2: Choose an available card including a credit card or a public transportation card, then click “Continue”.

Step 3: Place the card within the add card frame and then allow the iPhone camera to scan it, or click “Enter card details manually” if you want to add the card manually.

Step 4: After Apple Pay recognizes the card, you enter the information and then click “Next”.

Step 5: Choose to verify the card for Apple Pay, then click “Next” and click “Continue” to complete the process of adding the card and start using Apple Pay.

Setup on iPad

Step 1: Select “Settings” on the iPad, then click “Wallet & Apple Pay”.

Step 2: Click “Next”, then scan the card by placing it in the “Add Card” frame and allowing the iPad camera to scan it, or click “Manually Enter Card Details”.

Step 3: The bank or credit card company will verify your information. Complete the verification and click “Next” to finish.

Setup on Apple Watch

Step 1: Access the “Wallet” app on the Apple Watch, then select “Add Card”.

Step 2: Select a credit or debit card, then click “Continue” to proceed to the next step.

Step 3: Enter the information on the Apple Watch screen, then click “Continue” and enter the card’s expiration date and security code. Then click “Add Card

Frequently asked questions

Apple Pay uses Near-Field Communication (NFC) technology to conduct secure transactions. When making a purchase at a store, simply open the Wallet app, hold your Apple device near the NFC-enabled POS machine, and confirm the payment using Touch ID, PIN, or Face ID. For online purchases, your shipping information will be automatically filled in based on the card details linked to your Apple Pay account.

To use Apple Pay, you need a compatible Apple device with the latest operating system updates, a supported debit or credit card from your bank, and an Internet connection. Additionally, your region or country must support Apple Pay, and you must have an Apple ID and be signed in to iCloud.

Apple Pay is supported by many major banks worldwide, and the list of supported countries and regions is extensive. In Vietnam, Apple Pay partnered with banks such as ACB, Techcombank, Vietcombank, MB Bank, Sacombank, and VP Bank when it launched in August 2023. Supported Apple devices include iPhone 6 and later models, iPad mini 3 and later, iPad Air 2 and later, iPad Pro models, Apple Watch Series 4 and later, and Mac/MacBook models with Touch Bar.

To add a card to Apple Pay, open the Wallet app on your iPhone, iPad, or Apple Watch and follow the on-screen instructions. You will need to provide card details, which can be done by scanning the card or entering the information manually. After adding the card, verify it following the prompts on your device.

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