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Get your iPhone Ready
In order to use Apple Pay, you need to have a compatible device and the right version of iOS. For in-store purchases, Apple Pay is compatible with the iPhone 6/6s, iPhone 6 Plus/6s Plus, and the iPhone SE, which are the only iPhones equipped with the requisite NFC radio antennae. Besides NFC compatibility, the other piece of the hardware puzzle is a Touch ID sensor, but—unfortunately—iPhone 5S owners are out of luck. For in-app purchases, Apple Pay works with the iPhone 6/6s, iPhone 6 Plus/6s Plus, and iPhone SE, as well as the iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3—again, thanks to the Touch ID sensor.
You’ll also need to update your iPhone to iOS 8.1 or newer, which will turn on your phone’s Apple Pay feature.
Once your iPhone is in order, you’ll need to link up a credit or debit card to use for payments. If you already have a card linked to your Apple ID for making iTunes and App Store purchases, you can opt to keep using that card with Apple Pay—you’ll just have to re-enter the card’s security code so Apple knows you’re legit. Take note: Some banks will add an extra layer of security to this step, asking you to enter a code they send to you via text, so that they too know you’re on the up-and-up.
You can also add different cards—just launch Wallet and tap the plus-sign in the top-right corner. You’ll then be prompted to add either a credit or debit card to use with Apple Pay or another pass to store in Wallet. Tap “Add Another Card,” then follow the entry fields on the next screen. You can speed this up by taking a picture of your card with your iPhone.
Whether you’re using the card already linked to your Apple ID or adding a new one, your iPhone will guide you through the setup process, which includes verifying your card, granting Apple Pay access, and then storing it in Wallet. Be sure to have your card handy so you can verify the card with its security code.
The card linked to your Apple ID will be listed as your default Apple Pay card, but you can always change that by going to Settings > Wallet & Apple Pay and updating your transaction default information—or do it in-app by selecting your default card, choosing the “information” button on the lower right-hand side of the screen, and changing the details from there.