About Apple Pay

Starting July 2015, you can use your eligible Visa debit or credit card with Apple Pay to make purchases at over 400,000 contactless terminals in stores across the UK. Just hold your iPhone near the reader with your finger on Touch ID. You can also pay with your Apple Watch or in your favourite apps.

Apple Pay is currently available on iPhone 6, iPhone 6 Plus, Apple Watch, iPad Air 2 and iPad Mini 3.

Visa with Apple Pay works on debit and credit cards from a number of leading UK banks, with more to come. Add your Visa cards to Passbook and you’ll continue to get all the benefits and security you currently enjoy with Visa.

Apple Pay Q&A

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How do I setup Apple Pay on my device?

To get started, open Passbook - you can add the Visa credit or debit card already linked to your iTunes account by simply entering the card’s security code then following the prompts.

If you wish to add an additional Visa card, you can use your iSight camera to capture your card information (or you can type it in manually) then follow the prompts.

Please note that Apple Pay on the Apple Watch is not setup through Passbook - instead you can link your Visa cards to the Apple Watch app on the paired iPhone. An alert will be displayed on the Watch once your Visa card is activated.

Which devices are compatible with Apple Pay?

Apple Pay currently works with iPhone 6, iPhone 6 Plus and all Apple Watch* models. For payments through mobile apps, Apple Pay is also compatible with the iPad Air 2 and iPad mini 3.

* Apple Pay requires the Apple Watch to be paired with an iPhone 5 (or later) that has iOS 8.2 (or later) installed.

Where can I use Apple Pay?

In any stores accepting Visa contactless payment

Apple Pay can be used to touch and pay wherever Visa contactless payment is accepted - simply look for the Contactless Symbol on any point of sale terminal.

There are already more than 2.6m Visa contactless terminals where you can use Apple Pay in Europe, with over 250,000 stores accepting contactless in the UK.

Retailers accepting contactless payments in the UK already include M&S, McDonald’s, Starbucks, Waitrose, WH Smiths, Post Office, EAT, Liberty, Morrisons, Pret A Manger and the Co-operative Food as well as tens of thousands of independent stores, restaurants, cafes, pubs and bars - plus the entire Transport for London network.

Starbucks Logo
WHSmiths Logo
McDonalds Logo
Boots Logo
Pret a manger Logo
Waitrose Logo
Post Office Logo
BP Logo
Hotel chocolat Logo
Transport for London Logo
Tesco Logo
Co-operative food Logo
EAT Logo
Slug Lettuce Logo
Yates Logo
itsu Logo

In iOS apps accepting Apple Pay

A growing number of apps support easy checkout with Apple Pay, including the likes of Argos, Smith Hotels and Topshop in the UK. For up to date information please check www.apple.com/uk/applepay

How do I make a payment with Apple Pay?

In-Store Purchase

To make an in-store purchase with your iPhone 6 or iPhone 6 Plus, just touch your device to the contactless reader with your finger held to Touch ID - when your payment information has been sent, a visual / audible confirmation will be given by the card reader and your iPhone will gently vibrate and beep - you will see 'Done' and a checkmark on your iPhone display.

To make an in-store purchase with your Apple Watch, double-click the side button then touch the face of your device to the contactless reader. When your payment information has been sent, a visual / audible confirmation will be given by the card reader and you'll feel a gentle tap to your wrist and hear a beep from your Apple Watch.

In-App Purchase

To make a purchase in-app with your iPhone 6, iPhone 6 Plus, iPad Air 2, or iPad mini 3, select Apple Pay as the payment option in eligible apps and place your finger on Touch ID to send your payment.

Can I use Apple Pay on the Transport for London network?

Yes! On the tube, buses, trams, DLR, London Overground, TfL Rail and most National Rail services in London.

To ensure you touch in/out quickly and easily you need to get your phone/watch ready before you board a bus or tram, and as you approach the ticket gates:

  1. open your passbook and select the card you want to pay with
  2. authorise payment using the Touch ID
  3. touch your device to a yellow card reader within 60 seconds

Please note:

  • Always use the same card / device to avoid maximum fares and to benefit from capping
  • Make sure your battery enough charge to complete your journey
  • For more information about using Apple Pay on TfL services please visit www.tfl.gov.uk/applepay.

Are contactless payments using Apple Pay, subject to the £30 contactless threshold?

No – Mobile payment services such as Apple Pay can be used for payments over the £30 contactless threshold, with a growing number of UK retailers supporting what we term ‘high value’ mobile contactless payment – which involve you verifying yourself using Touch ID (for Apple Pay) or another verification method, such as a passcode entered on your device. These cardholder verification methods add an additional layer of security for peace of mind, and act in much the same way as when you use ‘Chip and PIN’ to secure payments made in store with your Visa card. High value mobile payments are also widely supported in a growing number of retailers accepting contactless payment across Europe.

What makes Apple Pay a secure way to pay through my Visa card?

Visa’s Contactless payment, Token technologies and numerous unique security features built into the iPhone and Apple Watch, allow Visa cardholders to use Apple Pay in an easy, secure, and private way.

Tokenised Visa payments through Apple Pay

When you enrol your Visa card within Apple Pay, your payment card information (including the 16-digit account number found on the front of your Visa card) is substituted by Visa and your card issuer, with a Device Account Number that can be securely stored on Apple devices - and passed to merchants to process transactions you make with Apple Pay.

We call this process ‘Payment Tokenisation’, and it is effectively invisible to you as a consumer, happening behind the scenes. Your underlying Visa credit and debit card numbers are not stored on any device running Apple Pay, or on Apple servers - and are never shared with merchants through the service, acting as a powerful layer of additional security.

Visa payWave for Mobile

Visa payWave for Mobile software from Visa works in conjunction with the Secure Element (a dedicated chip in iPhone and Apple Watch), to enable the creation of a dynamic, secure code every time you make a payment with the service – this cryptographic code is transaction-specific, and passed to merchants alongside the Device Account Number for your Visa card within Apple Pay – this information allows payments sent through Apple Pay, to be processed as if they were a normal Visa card payment.

Touch ID

Apple’s Touch ID technology allows you to conveniently authenticate every payment you make to merchants through Apple Pay – using a simple touch of your finger to the iPhone 6, Apple Watch or compatible iPad.

Is the Apple Pay service available internationally?

Apple Pay is currently also available to iOS customers in the USA. For more information, please refer to http://www.apple.com/apple-pay/

Can I use Apple Pay to make contactless payments when I am overseas?

Yes, Apple Pay can be used wherever simply look for the Contactless Symbol on any point of sale terminal.

Do I need to be connected to the internet / my mobile network to use Apple Pay?

To make a contactless payment with Apple Pay, you do not need to be connected to the internet at the time of purchase. However, an active data plan will be required to use the service in full - based on your data plan and mobile carrier's offering, additional message and data charges may apply. Your issuer’s terms and conditions will apply for all purchases made using Apple Pay.

How will this keep my information more secure?

By using a Device Account Number (also known as a ‘payment token’) to process payments, you don’t to share your underlying Visa card information when you shop with Apple Pay. This reduces the potential for fraud, because only the Device Account Number and a transaction-specific dynamic security code, are used to process your payment each time you make a purchase - your Visa card details are never actually shared with a merchant or stored on Apple Servers.

In addition, if your device is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode. Or you can wipe your device completely clean completely. You can also stop the ability to make payments from credit and debit cards on your iPhone, iPad, or Apple Watch with iCloud. Just log into iCloud.com and click on Settings.

Either way, both your card number and your identity are not accessible and you do not need to cancel your physical Visa card.

How does my iPhone / Apple Watch transmit payment details?

When making contactless payments with your iPhone or Apple Watch, simply activate the payment functionality, touch your device to the contactless reader and follow any prompts on the Point of Sale terminal.

The Device Account Number stored on your device will be transmitted directly to the contactless reader within this process, alongside a specially encrypted, dynamic code to authenticate the payment – it’s just like using a contactless plastic Visa card, but instead relies on NFC technology used on the iPhone 6 and Apple Watch.

How will I know if and where my Device Account Number is being used?

Device Account Numbers, as featured within Apple Pay, are linked to an underlying Visa card and your bank / credit provider – you can track completed transactions made with Apple Pay through the normal channels provided by your bank (for convenience, Passbook also displays a list of recent payments sent to merchants using Apple Pay).

Can I remove my debit or credit card / Device Account Number from Apple Pay?

Yes, of course – this can be done through the Passbook app on your iPhone, iPad, or Apple Watch. If you remove a credit or debit card from Apple Pay, this will remove the Device Account Number for that card, from the service - you will still be able to continue to make purchases with your physical Visa card.

How can merchants accept Apple Pay contactless transactions at point of sale or Apple Pay in-app?


Any merchant with a contactless payment terminal enabled for Visa contactless, is already able to accept Apple Pay – there is no change required to terminal or point-of-sale infrastructure in order to support services such as Apple Pay being used to make Visa mobile contactless payments. If you are a merchant interested in accepting Visa contactless payments in your store(s), your acquirer can tell you what's involved – it is based on the same Visa technology as Chip & PIN, with these added benefits:

  • Fast: A better, quicker service for you and your customers
  • Convenient: Reduce queues and avoid basket abandonment
  • Secure: Less potential for till errors or fraud
  • Future-proofed: Accepts all Visa contactless cards, tags, fobs, wearables and mobile solutions – including services such as Apple Pay
  • General: More satisfied customers

Retailers interested in accepting contactless and mobile payments in-store can get more information and useful resources from Visa Europe and from the UK Cards Association web site.

In-app partners:

Merchants that wish to accept Apple Pay™ within their iOS app, can integrate the payment feature using Apple’s SDK.

For more information on the integration requirements for Apple Pay™ in-app payment functionality (and a list of Apple’s partner payment providers for this functionality), please visit https://developer.apple.com/apple-pay/


When you enrol your Visa card with Apple Pay, our Tokenisation technology keeps your payment details safe by substituting them for a set of randomly generated numbers. So when you make a payment in app or in store, your card details are not exposed. Learn more about how Tokenisation works.

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