
Apple Card Tap to Pay is a convenient feature that allows you to make contactless payments using just your iPhone. This feature is only available to Apple Card holders.
To use Apple Card Tap to Pay, you need to have an iPhone with Face ID or Touch ID, and your Apple Card must be added to Wallet. The card is then linked to your iPhone, making it a secure and private payment method.
You can make payments by holding your iPhone near a contactless payment terminal, and you'll see a notification on your screen confirming the transaction. No need to open the Wallet app or enter a PIN.
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Security and Safety
Apple Card Tap to Pay offers an additional layer of security through its unique Dynamic Code feature, which generates a one-time code for each transaction, making it virtually impossible for hackers to access your account.
This feature is enabled by default and can be found in the Wallet app on your iPhone. Simply go to the Apple Card tab, tap on the "More" button, and then select "Dynamic Code" to turn it on.
With Apple Card Tap to Pay, you also have the ability to set up transaction notifications, which will alert you every time a purchase is made with your card.
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Contactless Component Security
Contactless Component Security is a vital aspect of modern payment systems. It ensures that sensitive information remains secure during transactions.
The Secure Element plays a crucial role in this process, hosting the payment kernels that read and secure contactless payment card data. This is a critical step in protecting sensitive information from unauthorized access.
The NFC controller handles near field communication protocols and routes communication between the Application Processor and the Secure Element. This efficient communication system helps prevent data breaches.
Tap to Pay on iPhone servers manage the setup and provisioning of the payment kernels in the device. This ensures that the payment kernels are properly configured and secure.
Here are the key components involved in contactless component security:
- Secure Element: Hosts the payment kernels.
- NFC Controller: Handles near field communication protocols and routes communication.
- Tap to Pay on iPhone servers: Manage the setup and provisioning of the payment kernels.
These components work together to provide a secure contactless payment experience.
Securing Merchant Device for PIN Entry
To help ensure the protection of the merchant device and data, the merchant has the option to enable the “Tap to Pay on iPhone Screen Lock” setting.

This setting can be found in the settings for each app that supports Tap to Pay on iPhone.
Enabling this option locks the merchant’s device while showing the PIN entry screen, preventing the payer from accessing the device.
After the payer enters their card PIN, the merchant must unlock their device with Face ID, Touch ID, or the passcode to continue using the device.
This extra layer of security ensures that the merchant's device remains protected from unauthorized access.
Apple Devices
If you have an iPhone, you can use it to make payments with Apple Card Tap to Pay. To do this, you'll need to have Apple Card set up on your device.
To make a payment, simply hold the top of your iPhone near the contactless reader.
Here's a quick rundown of the steps to make a payment with your iPhone: To use your default card, just follow the prompts on your iPhone.To use a different card, tap your default card to see your other cards, then tap a new card and authenticate.
Using Apple Cash
Using Apple Cash is a convenient way to make payments. You can use the Apple Cash balance to pay for transactions if it's sufficient.
To pay using Apple Cash, you need to open the Wallet app on your iPhone and tap your Apple Card. Then, tap Pay [amount] to proceed with the payment.
If the balance of your Apple Cash account is less than the amount of your payment, the remaining balance is paid from your default bank account.
To add a bank account to your Apple Card, you need to tap Change Bank Account, then tap Add Bank Account and follow the onscreen instructions in the Wallet app.
Tap Reads Cards
You can use your Apple Watch to tap and pay for transactions. Double-click the side button to open your default card, and then hold the display near the contactless reader until you feel a gentle tap and hear a beep.
To accept Apple Pay on Apple Watch, present your iPhone to the customer and ask them to hold their Apple Watch near the tap area until done. This is a convenient way to pay without having to physically touch the card reader.
Some cards may not be able to complete contactless transactions using a PIN, so it's a good idea to ask the customer if they have an alternative contactless card or digital wallet. This will ensure the transaction can be completed using Tap to Pay on iPhone.
You can also use your iPhone to tap and pay for transactions. To use your default card, simply hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the display.
If you want to use a different card, tap your default card to see your other cards, then tap a new card and authenticate. This will allow you to select a different card for the transaction.
Here are the steps to tap and pay with your Apple Watch or iPhone:
- Double-click the side button on your Apple Watch to open your default card.
- Hold the display near the contactless reader until you feel a gentle tap and hear a beep.
- Present your iPhone to the customer and ask them to hold their Apple Watch near the tap area until done.
- Hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the display.
Location and Usage
To use Apple Card Tap to Pay, you'll need to find places that accept contactless payments. You can spot these places by looking for the contactless payment symbols, such as the one shown.
These symbols are a sign that the merchant accepts Apple Pay. In addition, they must also accept your payment card and payment network.
In countries and regions outside of your own, you may see different contactless payment symbols. This is because different places use different symbols to indicate that they accept contactless payments.
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Frequently Asked Questions
How do I turn on Apple Tap to Pay?
To enable Apple Tap to Pay, select "Tap to Pay on iPhone" and follow the on-screen instructions. This secure payment method allows customers to complete transactions with a simple tap of their card.
Sources
- https://support.apple.com/guide/security/tap-to-pay-on-iphone-sec72cb155f4/web
- https://developer.apple.com/tap-to-pay/how-to-accept-payments/
- https://support.apple.com/en-us/102534
- https://support.apple.com/guide/iphone/use-apple-pay-for-contactless-payments-iphbd4cf42b4/ios
- https://support.apple.com/en-us/102626
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