How to Use Apple Pay in Store [Complete Guide]

Apple Pay is a Wallet where you can store Credit or Debit Cards online. It is convenient to use with your iPhone and just pay using Apple Pay in stores. It is especially handy when you are not carrying cash or forgot your wallet. If you are looking for a guide on how to use Apple Pay at stores, you are on the right post to get the easy steps to do this.

We are living in an age where mobile phones can pretty much be used for anything. And you don’t need to carry a physical wallet or even your credit or debit cards for paying for purchases at stores. You can keep things tidy by storing cards digitally on Apple Pay and just do the payments directly by using your iPhone at stores.

While paying with Apple Pay seems like an easy task, it can be an awkward experience if you are not used to it. Especially, if you are doing it for the first time, you might get conscious of trying it out. But that should not stop you from trying this and this guide will help you overcome any reluctance.

Apple Pay uses the Near-Field Communications (NFC) technology which works just like a “contactless” credit or debit card relying on tokens instead of a credit card’s number. Unlike credit cards that work with PIN, Apple Pay works using the Touch ID (for series starting from iPhone 6 till iPhone 8 Plus) or Face ID (for series from iPhone X onwards to iPhone 13) for authentication. You also don’t need mobile data, Wi-Fi or even Bluetooth turned on to use Apple Pay

Most retail stores nowadays accept payments with contactless options that include cards and Apple Pay. And with more stores joining the wagon in supporting Apple Pay, it makes it just as more convenient. Any store that accepts Apple Pay, they typically have NFC/contactless turned on (indicated by wifi symbol).

Before starting to use Apple Pay in Store, make sure you have completed the set-up to use Apple Pay, which should include adding a card to Apple Pay Wallet and obviously setting a touch id or face id on your iPhone.

How to Use Apple Pay in Stores [for iPhones with touch id i.e. iPhone 6 or 6S, iPhone7, iPhone8, iPhone 8 Plus]

  • Look for the NFC Wi-Fi symbol or Apple pay logo on the payment terminal to confirm it accepts Apple Pay. Or you can ask the cashier to confirm.
  • Now hold the top of the iPhone near the terminal reader screen and wait for Apple Pay to pop-up automatically 
  • Rest your finger on Touch Id (keyword being “Rest”, don’t Press) until you get payment confirmation
  • Changing Cards- Apple pay will choose your default card for payment. If you have several cards set up in Apple Pay and want to change card, you can tap the card and swipe between them to switch to the one you want. Else skip the step

How to Use Apple Pay in Stores [for iPhones with Face id i.e. from iPhone 8 Plus]

  • Look for the Wi-Fi symbol or Apple Pay symbol on payment terminal to confirm it accepts Apple Pay
  • Double tap the side button on your iPhone
  • Glance at screen to unlock and open Apple Pay, it will show you a message to hold the iPhone near the card reader screen
  • Now hold the top of the iPhone near the card reader screen, until you get the confirmation of payment
  • Changing Cards- If you have several cards set up in Apple Pay, choose the one you want if it’s not the one showing before you get within an inch of the reader. You can Tap the card and swipe between them to switch to the one you want.

Setting up Touch ID & Face ID for Apple Pay-

Apple Pay works using either your Touch ID or Face ID (for models iPhones 8S and above).

To set up Touch Id, follow the steps below:

  • Go to Settings (Gear Icon)
  • Next tap on “Touch id & Passcode”
  • Enter your Passcode on being prompted
  • Next tap on “Add FingerPrint”
  • Place your finger on iPhone Home Button and follow the instructions

To set up Face id follow the steps below:

  • Go to Settings (Gear Icon)
  • Next tap on “Face id & Passcode”
  • Enter your Passcode on being prompted
  • Next tap on “Set up Face id”
  • Next tap on “Get Started” and Position your Face in front of the camera. Follow the instructions to move your face around the circle and complete the face id

How to Set-up Apple Pay

Before you start using Apple Pay at stores, make sure you have set up Apple Pay correctly in your iPhone. You can set up Apple Pay by following the steps below:

  • Go to “Settings” App
  • Next scroll down and go to “Wallet & Apple Pay” option
  • Next tap on “Add Card” option in blue font
  • Next Select “Credit or Debit Card” option 
  • Click “Continue” if you accept the terms. It will show you a list of cards you have already used in your Apple account. You can select from the existing list or select “Add a different card” option if you want to add a new card
  • To add a new card on Apple Pay, you need to enter the CVV and expiry date and click on next. Alternatively, you can use the mobile camera to snap a photo of the card and confirm the details
  • Next it will show you the terms of the bank to use card with Apple Pay, tap on “Agree” if you accept
  • Next you need to verify yourself as bank cardholder using text message, call or email option to get code to activate the card for apple pay

After you have added a card, you can also set any one of the added cards as a default card for Apple Pay.

Which Stores or Outlets Accept Apple Pay?

Apple Pay is accepted in more than 1 million retail, grocery stores including restaurants, gas stations, and more across the United States.

Some of popular stores that accept Apple Pay include Circle K, CVS, Costco, Dollar General, Best Buy, B&H Photo, Bloomingdales, Chevron, Disney, Dunkin Donuts, Family Dollar, Forever 21, Five Below, The Fresh Market, H & M,  Kohl’s, Lucky, McDonald’s, Nike,Office Depot, Petco, Sprouts, Staples, KFC, Trader Joe’s, Walgreens, Safeway, Whole Foods, Target, Publix, Taco Bell, and 7-11.

Unfortunately, Walmart and Krogers have not joined the list of stores supporting Apple Pay. Hopefully this will change soon.

Wrap Up

It’s no rocket science to use Apple Pay. But like other things, you just need to get used to it by giving it a try. After using Apple Pay repeatedly, it becomes second nature and you will find it a pain to reach for your card or cash to pay in stores.

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I am a blogger with a passion for finance and technology. On this website, I share helpful information mostly on products and services, that we use in our daily lives.

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