How to Use Apple Pay on Watch in a Few Easy Steps (with Photos)

Apple Watch 7

How to Use Apple Pay on Watch in a Few Easy Steps (with Photos)

Apple Pay on Watch is one of the most convenient aspects of owning this awesome smartwatch. Gadgets have revolutionized our lives by making everyday tasks more convenient. The Apple Watch is no exception, offering a host of features such as checking notifications, sending quick text responses, and managing iPhone alarms. But did you know that the Apple Watch also allows for easy and secure money transfers using Apple Pay? 

In this article, we’ll guide you through the process of using Apple Pay on your Apple Watch, so you can leave your iPhone in your pocket and still make transactions with ease.

Learning About Apple Pay

Apple Pay is a straightforward payment system that transforms your iOS device, such as your iPhone, into a digital wallet. 

As a result, making card payments is so simple that you won’t even need to remove your physical Wallet from your bag or pocket.

After you set up Apple Pay on your iPhone with a debit or credit card, you can use it directly on your Apple Watch for supported purchases. 

However, you will need to set up Apple Pay on your iPhone.

How Does Apple Pay Work?

Apple Pay is the ultimate hassle-free payment option for retail store purchases. Simply walk up to a POS system that is compatible with Apple Pay, and your iPhone screen will automatically light up and open Wallet. From there, you can select a credit card for payment or use the default card associated with Apple Pay. No need for a PIN or signature, and the cashier won’t see your sensitive credit card information, making it a safer option than traditional payment methods.

Thanks to built-in security systems like Touch ID, your iPhone already has all the necessary information stored and validated, eliminating the need for additional verification with a driver’s license or ID card.

Making payments online with Apple Pay is just as easy, as it uses the same credit card and validation process through participating apps that have adopted the Apple Pay API.

However, it is important to note that payments can only be made at retailers that support or accept NFC payments and have adopted the Apple Pay API, whether in-store or online.

So, next time you’re out shopping, remember the convenience and security that comes with using Apple Pay.

Instructions for How to Set up Apple Pay on Your iPhone Using Watch App

Inside the Watch app on your iPhone, you will find the option to add credit, debit, and prepaid cards to your Apple Watch.

1. Launch the Watch App on Your iOS Device

Launch the Watch app on your phone, then navigate to the tab labeled “My Watch.”

2. Select “Wallet and Apple Pay” from the Menu

Scroll down and select “Wallet and Apple Pay” located in the third section of settings.

3. Add Card

Select “Continue” after tapping the “Add Card” button. Then enter your information.

4. Enter the Card’s Security Code if Prompted

When you try to add a card to your Apple Watch that has already been added to your iPhone, you will be prompted to enter the Card’s security code.

In the case of brand-new cards, you can take a picture of your Card while it is contained within a square on the screen. You can also capture the image or manually enter your card information into the system (name, card number, expiration date, security code).

Apple Pay on Watch
You may be prompted to provide your security code if you are adding a card to Watch that is already on your phone.

5. Read the Terms and Select Agree

Once you have entered your credit card information, you will be brought to a page that contains the terms and conditions. 

After reading over this page, select the ” Agree ” button to move forward with the installation process.

6. Wait for Verification

Apple notes that during the process of adding your Card to Apple Pay:

Your bank or card issuer must verify your information. Then they will determine whether you can use your card with Apple Pay. If additional information is needed to verify your card, they will ask for it.

7. Wait for Confirmation

When you have successfully added a card to your Watch, a confirmation screen will appear.

The Card will be listed under the heading “Payment Cards on Your Watch.”

Apple Pay on Watch
You can verify your card has been added by navigating to your wallet and viewing available cards.

How to Make a New Card Your Default One?

You can change the default card that is used by your iPhone, iPad, and Mac. When you go to make a payment for an item, this Card will appear in front of you automatically. To make this change, navigate to the screen that manages your Wallet and Apple Pay settings, and then select Default Card from the list of transaction defaults. 

Select the Card that you want to use from the options.

Using Apple Pay on an Apple Watch to Pay for Items

Now that you’ve got it all set up and ready to go, let’s get down to the nitty-gritty of using Apple Pay on your Apple Watch. 

When you are ready to make a payment, double-press the button on the side. 

After that, if you have more than one payment option available, select the card you would like to use. 

To make a payment using your wearable, simply place it next to a card reader.

  1. Launch the Watch app on your iPhone, then navigate to the “My Watch” option once it’s open. 
  2. This will allow you to change the Card that is used by default for making payments.
  3. Choose “Wallet & Apple Pay,” then choose “Default card,” and then choose the Card to use as the default.

You can also rearrange your payment cards by opening the Wallet app on your Apple Watch. Rearrange the position of a card by touching and holding it, then dragging it.

For a helpful walkthrough of how to use Apple Pay on your Apple Watch, check out the video below:

Frequently Asked Questions

Is it possible to use Apple Pay with just the Watch and not the phone?

After you have set up Apple Pay on your iPhone using the Apple Watch app, you will be able to make purchases in stores even if you do not have your iPhone on you. This is because Apple Pay works independently from your iPhone.

Can I use Apple Pay to make payments online?

Yes, you can use Apple Pay to make payments online through participating apps and websites that have adopted the Apple Pay API. Simply select the Apple Pay option at checkout and complete the payment with Touch ID or Face ID.

Is it safe to use Apple Pay?

Yes, Apple Pay is considered a secure payment method. When you make a payment with Apple Pay, your card information is not shared with the retailer or merchant, and your actual card numbers are not stored on your device or on Apple servers.

Is Apple Pay only available in certain stores or locations?

Apple Pay is available at any store or location that accepts contactless payments and has adopted the Apple Pay API. Look for the Apple Pay or contactless payment symbol at the point of sale.

If I don't have the lock button, can I still use Apple Pay?

As an alternative to double-clicking the side button, you can use Face ID to confirm payments on an iPhone equipped with Assistive Touch or Switch Control instead. Face ID is only available on iPhones equipped with Face ID.

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