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How to Use Apple Pay on iPhone 12

You don't need a wallet; your phone has the power to pay on the go

By Jerri Ledford Jerri Ledford Writer, Editor, Fact Checker Western Kentucky University Gulf Coast Community College Jerri L. Ledford has been writing, editing, and fact-checking tech stories since 1994. Her work has appeared in Computerworld, PC Magazine, Information Today, and many others. lifewire's editorial guidelines Updated on September 14, 2021 Reviewed by Ryan Perian Reviewed by Ryan Perian Western Governors University Ryan Perian is a certified IT specialist who holds numerous IT certifications and has 12+ years' experience working in the IT industry support and management positions. lifewire's editorial guidelines Tweet Share Email Tweet Share Email iPhone & iOS Switching from Android

What to Know

Double-press the button on the right side of the phone, authorize with your Face ID, and then hold your phone near the payment terminal.Inside Apple Wallet, tap + to add a new payment card; cards tied to your Apple account may already be listed. The article includes instructions on how to set up Apple Pay on an iPhone 12 and how to use it to make payments at NFC terminals. How to Use Apple Pay on iPhone 13 Artur Debat / Getty Images

How to Set Up Apple Pay on iPhone 12

Apple Pay is a handy feature of recent iPhones, and of course it's available on iPhone 12. If you've never used it before, here's a quick guide to getting it set up. To find Apple Pay, tap Utilities > Wallet. An explanation of how Apple Pay works appears on the screen. Read it and then tap Continue. Tap Credit or Debit Card to select an existing card or add a new card. If there are cards tied to your Apple account, they will appear on the next screen. If one of those is the card you want to use, select it. To add a new card, tap Add a Different Card. If you have no cards attached to your account, you may only have the option to add a new card. You'll be prompted to scan a card. Do that, and then tap Continue. If the card won't scan, you can also enter the card information manually. You'll be promoted to add the security code for the card. Do that and tap Continue. Once the card has been added, you'll receive a confirmation screen. Tap Continue. You may be prompted to read and agree to the Terms and Conditions. If so, read through the provided information and tap Agree. If you tap Disagree you won't be able to add your payment card. Another explanation screen appears that outlines how to use Apple Pay. Read it and tap Continue to return to your Wallet.

How to Use Apple Pay in Stores

Once you've added at least one card to your Apple Wallet, you can then use Apple Pay in participating stores to make contactless payments. This only works in stores that accept Apple Pay. You'll know they do when you see one of the Apple Pay symbols. When you see one of those symbols then follow these instructions: Double-press the side button on the right side of the iPhone 12. Apple pay opens to your default card. Hold your phone up and authenticate the transaction with using Face ID. You can also use a different card if you have more than one in your wallet. Once your default card appears, tap it and then choose the card you want to use. Then hold the phone near the payment terminal until you see Done and a blue checkmark displayed on your screen.

How to Change Your Default Card in Apple Pay on iPhone 12

If you only have one card in Apple Pay, it becomes your default payment card. When you add other cards or change cards, you might want to set a different card as the default. The easiest way to do it is to open the Wallet, and then tap and hold the card you want to make your default. Then, drag that card to the front of all the cards you have listed. This will make it the default. If you're having trouble with this method, here's an alternative way to make a different card the default: Open the Settings app. Scroll down and tap Wallet & Apple Pay. Tap Default Card. Select the new card you want to use as a default. The next time that you double-press the side button to initiate Apple Pay, the card you selected as the new default will be the card that appears. Was this page helpful? Thanks for letting us know! Get the Latest Tech News Delivered Every Day Subscribe Tell us why! Other Not enough details Hard to understand Submit More from Lifewire How to Add a Credit Card to Apple Wallet How to Add a Credit Card to Cash App How to Fix Google Pay Not Working How to Use Google Pay on iPhone How to Use Fitbit Pay How to Use Apple Pay on iPhone, iPad, Apple Watch How to Use Apple Pay on iPhone 13 How to Use Apple Wallet How to Set Up and Use Apple Pay Cash How to Show Battery Percentage on the iPhone 12 How to Use Samsung Pay How to Use Siri on iPhone 12 How to Reset iPhone 12 (Restart & Hard Reset) How to Set up a New iPhone How to Change Payment Method on Meta (Oculus) Quest and Quest 2 How to Pay With Google Newsletter Sign Up Newsletter Sign Up Newsletter Sign Up Newsletter Sign Up Newsletter Sign Up By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies