If you’re someone who hates carrying a bulky wallet while going shopping or can’t find credit cards to complete online purchases, Apple Pay is gonna make your life easier. You can use Apple Pay on iPhone, Apple Watch, iPad, and Mac. Just add your cards and shop from your favorite online store or grab a burger from McDonalds without digging your pockets to find cards or cash. Not only it’s convenient, but also super quick and secure. In this article, we’ll show you how to use Apple Pay in participating stores, websites, and apps. Without any ado, let’s get going!

How to Know If a Store Accepts Apple Pay

Note: Apple Pay is currently available in around 70 countries. Check out the availability here .

  1. If you see these contactless payment symbols, you can use Apple Pay at those places.
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  1. You can also ask Siri to help you find places that accepts Apple Pay. For instance, say something like “Find me Chinese restaurants that take Apple Pay”.

  2. For websites and apps, you’ll see an Apple Pay or Buy with Apple Pay option.

Use Apple Pay on iPhone in Stores

The iPhone 6 and later models are packed with Near-Field Communication (NFC) chips which allow contactless payments. These phones establish a connection with NFC-enabled payment readers when they are in close proximity. With a compatible iPhone, you can use Apple Pay in stores, restaurants, taxis, gas stations, drive-thru, and other places that accept Apple Pay.

  • First and foremost, you need to set up Apple Pay on your iPhone.
  • Once you’ve done this, you can use the default card (if you’ve set one) or a different card to pay with Apple Pay in stores.
  • To use the default card on your iPhone with Face ID , double-click the side button. When prompted, authenticate with Face ID or enter your iPhone’s passcode to open the Wallet app.
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  • On iPhone with Touch ID , simply double-click the Home button.
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  • If you’ve added multiple cards and want to use a different card (not the default card), tap your default card. It will show up other cards that you’ve added to your Apple Wallet. Then, tap on the card you wish to pay with and authenticate it.
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  • After selecting the card, hold the top of your iPhone (this is where the NFC chip is) near the NFC-enabled payment reader.

  • When you’ll see Done and a checkmark on your iPhone, it means the payment is successful.

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Use Apple Pay on Apple Watch

If you’ve set up Apple Pay on your Apple Watch, you can easily pay with your iWatch in participating stores and restaurants. Here’s how the process goes by:

  • Double-click the Side button (the pill-shaped button below the Digital Crown).

  • This will bring up your debit and credit cards that you’ve added to the Apple Wallet.

  • The card set up as the default payment method might open up automatically. You can scroll down to choose a different card.

  • Once you’ve chosen the card, hold your Apple Watch near the contactless payment reader until you feel a slight vibration on your wrist along with a beep sound.

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Use Apple Pay in Apps & Websites

Note: You can use Apple Pay to make online purchases using compatible iPhones, Apple Watch, iPads with Face ID or Touch ID, and Macs with Touch ID.

Use Apple Pay Online on iPhone, iPad, or Apple Watch

  • On the website or app, tap on the Apple Pay button and choose Apple Pay as your payment method.
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  • After this, you have to choose the card you wish to pay with.
  • You’ll automatically see the default card first. To choose another card, tap the Next button or the Expand Menu button present alongside the default card.
  • If you’re using Apple Pay for the first time, you might be prompted to enter your billing and shipping information. Apple Pay stores all these details so you won’t have to enter them again. If the information is stored already, you just need to verify and confirm it.
  • On your iPhone or iPad with Face ID, double press the Side button, and then use your Face ID or passcode to confirm the payment.
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  • On iPhone and iPad with Touch ID, double press the Home button to use Apple Pay for online purchases.
  • If you’re using an Apple Watch, simply double-click the Side button to complete your purchase.
  • You’ll see Done and a checkmark indicating a successful payment.

Use Apple Pay Online on Macs

  • When you’re on a website or app that accepts Apple Pay, click the purchase button for the item you wish to buy.
  • Choose the Apple Pay option and select your preferred card. If asked, enter the contact details along with billing and shipping information.
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  • On Macs with Touch ID , go along the prompts in the Touch Bar and place your finger on the Touch ID button to authenticate the payment. If the Touch ID is disabled, tap on the Apple Pay icon in the Touch Bar and follow the on-screen prompts.
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  • On Macs without Touch ID , you can confirm the payment on your Bluetooth-connected iPhone or Apple Watch where you’ve signed in using the same Apple ID as your Mac.
  • Upon successful payment, your Mac will display Done and a Checkmark.
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This is how you can use Apple Pay on iPhone, Apple Watch, and Mac. If you are facing any issues in setting up Apple Pay or using it for a transaction, comment below and we’ll try our best to offer troubleshooting tips.

Kanika has been a loyal iPhone user since 2014 and loves everything Apple. With a Master’s in Computer Applications, passion for technology, and over five years of experience in writing, she landed at Beebom as an Apple Ecosystem Writer. She specializes in writing How To’s, troubleshooting guides, App features, and roundups for Apple users to help them make the best use of their gadgets. When not writing, she loves to try out new recipes and enjoy some family time.

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Author - 12 Author - 13 Author - 14 Author - 15 Author - 16 Author - 17 Using-Siri-on-iPhone - 18
  • Apple and Google have officially confirmed their team-up for the next-gen Siri AI.
  • The Cupertino Giant will be using Google’s Gemini for a more personalized Siri model as well as Apple Intelligence features.
  • We can expect the next-gen Siri to come out with iOS 26.4, sometime in March or April.

Apple has officially confirmed joining forces with Google to use its Gemini AI model to power the next-generation Siri. It will offer a more personalized experience and will be coming out with the iOS 26.4 update. Apple also plans to leverage Gemini’s capabilities for other Apple Intelligence features as well, later down the line.

The Next-Gen Siri will be powered by Google’s Gemini AI

Apple officially confirmed that it will be partnering with Google in a statement to CNBC . Here’s what it stated, “After careful evaluation, we determined that Google’s technology provides the most capable foundation for Apple Foundation Models, and we’re excited about the innovative new experiences it will unlock for our users.”

Later, Google also shared a post on X confirming the tie-up, “Apple and Google have entered into a multi-year collaboration under which the next generation of Apple Foundation Models will be based on Google’s Gemini models and cloud technology. These models will help power future Apple Intelligence features, including a more personalized Siri coming this year.”

News from Google X Post Screenshot - 19

Image Credit: X/@NewsFromGoogle

Both statements clearly mention that the Cupertino Giant will be using Gemini to power its assistant Siri. This was already rumored, as Apple’s attempts to acquire Perplexity went nowhere. With Gemini, Siri will get a major AI update . It will be able to handle more nuanced conversations and provide better results. Something long-time Apple users have been asking for years.

The next-gen Siri will arrive with the iOS 26.4 update, which will launch sometime in March or April. And it is only going to be available for Apple Intelligence-supported devices .

Something else worth noting is how Google’s statement mentions that Gemini will power Apple Intelligence features. This leads us to believe that Apple could use Gemini’s multi-modal capabilities for its Writings tools , Image Playground , and Message summaries, too.

Elon Musk Not Happy With Apple and Google Tie Up

xAI CEO Elon Musk also responded to Google’s announcement post on X, sharing his thoughts on the matter by saying, “This seems like an unreasonable concentration of power for Google, given that they also have Android and Chrome.” Though we don’t expect either Apple or Google to respond to Elon, we will update the situation as it progresses.

It is worth noting that xAI is the company behind Grok, which is in hot water currently due to its inappropriate image generation fiasco , and has been getting backlash from multiple news outlets, X users, and even government authorities.

How to Use Apple Pay on iPhone, Apple Watch and Macs - 20

With over 4 year of experience under the belt, I cover all facets of consumer tech, from smartphones to other consumer electronics, our favorite social media apps, as well as the growing realm of AI and LLMs. As an Apps and AI writer app Beebom, I provide my expertise in all these areas, weaving stories that help you get familiar with the tech around you. But you will find me playing NYT daily puzzles in my free time.

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Using-Siri-on-iPhone - 21
  • Apple is close to finalizing a $1 billion deal with Google to use Gemini to power the next-gen Siri.
  • It will use a custom version of Gemini AI, which will be used temporarily until Apple develops its own powerful AI model.
  • The new AI-powered Siri is slated to launch sometime next spring.

Apple is reportedly set to close an estimated $1 billion annual deal with its rival, Google, to use a custom version of the Gemini AI model to power the next version of Siri. Apple is lagging behind major companies in the AI race so this might help the Cupertino giant to make a comeback.

Apple Turns to Gemini to Power Its AI-Powered Siri

This detail comes from Bloomberg , which reports that Apple is turning to Google’s Gemini as a temporary solution until its own AI model catches up with the rest of the industry. Once ready, it will be used to power a host of new Apple Intelligence features which the company has in the pipeline.

For context, the custom version of Google’s Gemini AI model has about 1.2 trillion parameters , which far exceeds Apple’s current cloud-based AI model which are trained on 150 billion parameters. This shows that Gemini can handle far complex tasks and commands compared to Apple’s in-house model.

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Image Credit: Beebom

Typically, the Cupertino Giant prefers to make things on its own, but it has been lagging in the AI race behind several major companies and startups. Apple had plans to acquire Perplexity , and even held talks with OpenAI , but it seems like Gemini is the best fit the company has found for its AI-powered Siri , which is scheduled to come out sometime next spring.

However, there is still some time till then, and Apple’s plan could still change if the deal doesn’t go through.

How to Use Apple Pay on iPhone, Apple Watch and Macs - 23

With over 4 year of experience under the belt, I cover all facets of consumer tech, from smartphones to other consumer electronics, our favorite social media apps, as well as the growing realm of AI and LLMs. As an Apps and AI writer app Beebom, I provide my expertise in all these areas, weaving stories that help you get familiar with the tech around you. But you will find me playing NYT daily puzzles in my free time.

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