Apple Pay—the company’s flagship mobile payment platform—has had breathtaking growth since its introduction about three years ago. Apple Pay transactions continue to rise, and more banks, retailers, and countries continue to join. You can even use Apple Pay to complete web transactions via Safari, too.

Plus, you’ll be able to participate in peer-to-peer payment transactions through Apple Pay as soon as iOS 11 comes out of beta, similar to Venmo and Square Cash. This upgrade is billed as one of iOS 11’s marquee features.

With all of these Apple Pay options, it’s high time you jump on the mobile payment bandwagon if you’re not there already. Read on to learn more about how Apple Pay works, how to get your iPhoneApple Watch, and Mac ready for it, and most importantly, where you can go use it.

Apple Pay for iOS

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 following iPhone models:

  • iPhone 7
  • iPhone 7 Plus
  • iPhone 6/6s
  • iPhone 6 Plus/6s Plus
  • iPhone SE

These 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 following iOS devices—again, thanks to the Touch ID sensor:

  • iPhone 7
  • iPhone 7 Plus
  • iPhone 6/6s
  • iPhone 6 Plus/6s Plus
  • iPhone SE
  • iPad (2017 edition)
  • iPad Pro (12.9, 10.5, and 9.7-inch models)
  • iPad Air 2
  • iPad mini 4/iPad mini 3

You’ll also need to update your iPhone to iOS 8.1 or later, which will turn on your phone’s Apple Pay feature. (iOS 10.3.3 is the most up-to-date version of iOS.) To check which version of iOS you’re running, go to Settings > General > Software Update.

Once your iPhone is in order, you’ll need to link 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.



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