Use Apple Pay and Wallet

The first time you use your Apple Watch to pay for something feels almost like science fiction: You activate Apple Pay, move your wrist close to a payment terminal, and then…well, that’s it. You may have to enter your card’s PIN, but otherwise you’re done. “Frictionless” is a perfect description. It’s also extremely safe. Instead of handing a credit card number over to be stored in a merchant’s database, Apple Pay sends a token that matches up with the card you set up; even if the data were to be intercepted, it’s useless to an attacker.

Even more convenient? In some cities, such as New York City, you can tap your watch on the terminals that grant access to the subway. No need to fumble for a card or discover that its balance needs to be refilled.

The Wallet app, where your credit card data is stored, is also a convenient holding area for items that use barcodes for transactions, such as store loyalty cards and tickets for flights, movies, baseball games, and more.

Set Up Cards for Apple Pay

If you’ve set up Apple Pay on your iPhone, your cards are not automatically added to the watch. You can add up to eight cards to the watch:

  1. In the Watch app on the iPhone, tap Wallet & Apple Pay.

    To add a card already on your phone, tap the Add button next to its name, follow the prompts, and skip the remaining steps below.

  2. To add a new card, tap Add Card.

  3. Follow the instructions provided, which entail scanning your credit or debit card using the iPhone’s camera—which is incredibly slick—or entering the details manually, and accepting terms of service.

    You will also need to complete the verification process, which can be done via email, phone call, or text, depending on the provider.

  4. To use your watch to Use Apple Pay on a Mac, turn on Allow Payments on Mac.

When you’re done, the cards appear in the Watch app and on the watch: open the Wallet app to view them (Figure 120).

Figure 120: Apple Pay cards set up in the Watch app on the iPhone (left) appear in the Wallet app on the watch (right).
Figure 120: Apple Pay cards set up in the Watch app on the iPhone (left) appear in the Wallet app on the watch (right).

If you have multiple cards, tap Default Card in the Watch app on your iPhone and pick the one you want to use most.

Use Apple Pay in Person

When it’s time to pay at a compatible terminal, do the following:

  1. Double-press the watch’s side button to activate Apple Pay.

  2. If you’ve set up multiple cards, scroll up or down to choose the one you want to use (Figure 121).

    Figure 121: You’re only a few seconds from being done at this point.
    Figure 121: You’re only a few seconds from being done at this point.

  3. Hold the watch screen a few centimeters from the payment reader.

    A haptic pulse and a tone indicate when the transaction occurs.

  4. Depending on the reader and the card you used, you may need to enter a PIN or sign your name.

The display reads Done when finished.

Use Apple Pay on a Mac

Before you can complete a purchase from your wrist, your setup must meet these requirements:

  • The Mac is new enough to meet the Apple Pay Requirements.

  • Bluetooth is enabled.

  • The Mac is signed in to the same iCloud account as your iPhone.

  • You’ve turned on the Allow Payments on Mac switch on your iPhone in Settings > Wallet & Apple Pay.

  • In Safari on the Mac, choose Safari > Preferences > Privacy and confirm that the checkbox “Allow websites to check for Apple Pay and Apple Card” is selected (it is by default).

To check out:

  1. Click the  Pay or Buy with Apple Pay button.

  2. Confirm your billing, shipping, and contact details and make any necessary changes. If you want to use a card other than the default, click the arrow icon and choose a card from the pop-up menu.

  3. Double-press the side button on your watch.

The display reads Done when finished.

Work in Wallet

Wallet items are set up in the Wallet app on the iPhone, either from other apps or from email; for example, the Fandango app includes an Add to Wallet button when you buy tickets.

Those passes transfer automatically to the Apple Watch by default. When it’s time to use one, open the Wallet app on the watch, tap the item you want to use (Figure 122), and then scroll to fill the screen with the barcode.

Figure 122: Scanning a barcode on my watch is much easier than fumbling for cash.
Figure 122: Scanning a barcode on my watch is much easier than fumbling for cash.

To rearrange the passes, open the Wallet app on the iPhone and drag them into place. The app is also where you can delete used or expired passes.

Send Money via Messages

With Apple Pay set up, you can quickly send (or request) money using Apple Cash to one of your contacts on the watch (provided they’re in the United States where Apple Cash is available):

  1. In the Messages app, tap a conversation with a person to view it.

  2. Tap the App button.

  3. Tap the  Cash button. If the other person isn’t set up with Apple Pay, the button doesn’t appear.

  4. Turn the Digital Crown or tap the – or + buttons to adjust the amount in whole dollars (Figure 123). Or, tap the number and use the Digital Crown to specify dollars and cents.

    Figure 123: Pay your friend for coffee using Messages on the watch.
    Figure 123: Pay your friend for coffee using Messages on the watch.

  5. Tap Send to pay the other person. To instead ask for a payment, swipe leftward to display the Request button and tap it.

Unlock Doors Using Home Keys

Tell me if this juggling act sounds familiar: You’ve returned from the grocery store, arms laden with bags, and you need to grab your house keys. If you’ve installed a HomeKit-compatible door lock, all you need is to bring the Apple Watch (Series 4 or later, including watches that have been set up using Family Setup) near it to automatically unlock the door.

The home key is stored securely in the Wallet app. After adding the key to the Home app on your iPhone, choose one of the following options:

  • Enable Express Mode: In the Settings app on the watch, go to Wallet & Apple Pay > Express Mode and turn Express Mode on. When the watch is near the lock, it automatically unlocks.

  • Require Authentication: When this mode is enabled, you must first double-click the side button and then hold the watch near the lock.

Another option is to use the Apple Watch as a car key. This requires a compatible car, of course, which currently includes a number of BMW vehicles. (Kodmy includes a list that gets updated.)

Setting up a car is similar to a home lock, with the need to interact with the manufacturer’s app. Apple details the steps in a support document, Use your iPhone or Apple Watch as a car key. It can be set up using either Express Mode or via authentication each time.

It’s also possible to share the car key with someone else who drives the car, which you can revoke access to if needed.

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