Before you start
- A card from a bank that supports Apple Pay or Google Wallet in your country
- A phone with NFC and a screen lock
- Your Apple Account or Google Account
Method 1 Set up Apple Pay on iPhone
To use Apple Pay on an Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay and add the card there too.
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Step 1: Open Wallet
Open the Wallet app and tap the + (Add) button.
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Step 2: Add your card
Tap Debit or Credit Card, then Continue. Hold your card near the iPhone, use the camera, or tap Enter Card Details Manually.
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Step 3: Verify
Your bank may ask you to verify by SMS, email, a call or its app. Once approved, the card appears in Wallet.
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Step 4: Pay
On iPhone with Face ID, double-click the side button and look at the phone; with Touch ID, rest your finger on the Home button. Hold the top of the iPhone near the reader.
Method 2 Set up Google Wallet on Android
Samsung phones can also use Samsung Wallet with a similar setup.
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Step 1: Open Google Wallet
Install or open Google Wallet and tap Add to Wallet.
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Step 2: Add a payment card
Tap Payment card > New credit or debit card, scan the card with your camera or tap Enter details manually, then Save and continue.
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Step 3: Accept and verify
Accept the issuer’s terms and choose a verification method, such as an SMS code.
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Step 4: Make it the default
Turn on NFC and make sure Google Wallet is your default payment app (search Settings for Contactless payments).
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Step 5: Pay
Unlock the phone and hold the back of it near the reader until you see a tick.
Troubleshooting
My card can’t be added
Your bank or card type may not support Apple Pay or Google Wallet in your country. Check the bank’s website or call them. Also check the phone’s region and that your account is in good standing.
The reader doesn’t respond
Hold the phone flat and still for a moment near the contactless symbol. On Android, check NFC is on and the phone is unlocked. Try removing a thick case.
Frequently asked questions
Is there a limit on phone payments?
Phone payments are verified with your face, fingerprint or PIN, so they usually allow higher amounts than tapping a card. Limits depend on the shop and your bank.
Can I use it online?
Yes. Many apps and websites offer an Apple Pay or Google Pay button at checkout.
Summary
On iPhone, add your card in Wallet > + > Debit or Credit Card; on Android, use Google Wallet > Add to Wallet > Payment card. Verify with your bank, then hold your unlocked phone near the reader to pay.
