How to Set Up an Apple Pay Account

Apple has its very own payment service which is called Apple Pay. This wallet platform allows users to add their credit, debit or prepaid card as their wallet. Similar to how the Google Wallet works. One cool thing about this wallet is the ability to make payments through the Apple Watch, iPad, and Macbooks on the go. If you want to learn more about how it works and how to set up a wallet account, then you should go through this article till the end.

How to Set Up an Apple Pay Account

How do you use Apple Pay?

Just as other mobile wallet payment services work, where you have to place your phone near the card reader to be able to read your card information, Apple Pay also works like that. You will first confirm by authenticating through Face ID or passcode, then you will place your iPhone near the card reader to make payment.

This means that wherever you are and you don’t have your credit or debit card with you, you can use your iPhone as a substitute. It is just as if you are using your card but through the Apple Wallet service.

How do I Pay Someone with Apple Pay?

Of course, you can also send money to someone who uses Apple Pay. To do that, go to your message app and enter the chat conversation with the person you want to send money to. Next, tap on the Apple Cash button at the bottom and enter the amount of money you intend to send. You can also request money from an Apple Pay user. All of these actions can be done on the iPhone, Apple Watch, and Mac.

How do I Set Up Apple Pay without a Card?

It also allows users to set up a wallet without needing a debit or credit card. If you do not own a debit or credit card now or you just decide not to add your to your Apple Pay, you can still be able to set up a wallet with the use of a prepaid card. To set it up without a card, follow the steps below.

  • Open the “Wallet app” on your phone.
  • Tap on the “plus sign”.
  • Next, tap on continue.
  • Choose “Set Up Apple Pay Cash”.
  • Follow the on-screen instructions to set up your prepaid card.

By following the steps above, you will now be able to set up an Apple Pay wallet without a debit or credit card. Note, if you do not see any option to set up Apple Pay Cash, then this may mean that Apple Pay is not eligible in your country or region.

How much can you pay with Apple Pay?

Do I Need a Bank Account to use Apple Pay?

You do not specifically need a bank account to use Apple Pay. All that is required of you when setting up an Apple Pay account is either a debit, credit, or prepaid card is needed from you.

Can we use Apple Pay without an iPhone?

The iPhone is not the only eligible device to use the Apple Pay service. If you also have a Mac, iPad or an Apple watch with the required OS you are also eligible. Unfortunately, those who don’t have any of these 4 device types will not be able to use and enjoy the services that Apple Pay offers.

Benefits of Using Apple Pay

In this part of the write-up, we will be showing you what you will be missing out on as a non-user of the Apple Pay wallet service. Therefore, below are some of the key benefits of using this wallet platform.

1. Relieves you of Forgetting your Card PIN

Unlike those physical credit and debit cards, it is very much possible to forget our card pin. Thus, when using this wallet, you do not need to remember your card PIN. You will just need your Face ID or passcode to authenticate your payment.

2. Make Payment Offline

Even when you don’t have an internet connection when you are about to pay, this doesn’t stop you. This means that you can use the Apple wallet to make payments even while offline or without an internet connection.

3. No Need to Carry Your Physical Card with You

Since you now set up your debit and credit card to the Apple wallet, then there is no need to ever carry your physical card with you. Since all you need to do with the physical card can also be done easier and faster with your iPhone, Mac, iPad, or Apple Watch device.

4. Advanced Security

The Apple payment service is safe and private. It’s payment security is top-notch. It uses the Face ID to authorize any payment you want to make. So you should not worry about someone ever having access to your wallet.

5. Tracks your Payments

This is also a cool feature, that allows users to have a record of all their payments through the Apple wallet. You can also use these payment records as proof in case someone is trying to accuse you of not making a successful payment.

6. Speedy Payment

It has a fast payment system. No need to put your PIN whatsoever, all you need to do is to place your iPhone over the card reader to make your payment. It is as fast as that.

How to Set Up an Apple Pay Account

The set-up is fast and easy to do. However, if you need a guide to help you through the set-up process, then you are at the right place. The steps below will provide you with a step-by-step guide on how to set up your Apple wallet. Now before proceeding to the steps below, make sure that your iPhone, iPad, Mac, and Apple Watch are running on the latest software.

  • Open the Wallet app on your device.
  • Tap on the “plus sign”.
  • Follow the on-screen instructions to add your card either manually or by scanning through your camera.
  • Next, follow the prompts to verify your card.

After following the steps above and you get verified, you can now start using your wallet. Also, note that not all countries support the Apple Pay service. So if you are unable to add a card, it is possible that your country does not support the use of the Apple wallet.

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