Apple Pay
Set up in seconds. Right on your iPhone. Apple Pay is built into iPhone, Apple Watch, Mac, and iPad. Start by adding your credit or debit card to the Wallet app on your iPhone, and you’ll have the option to add it to your other devices in one easy step. When you want to pay, just double-click, tap, and you’re set. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points or miles.

Pay over time with Apple Pay Later. 1
Apple Pay Later allows you to split your purchase into four equal payments over six weeks with no interest, fees, or surprises. 2 Simply check out online and in apps with Apple Pay on your iPhone or iPad, then select Pay Later. You’ll find out in moments if you’re approved — with no impact to your credit score. 3 And you manage everything in Wallet, with built-in tools to help support healthy spending habits.

Use Apple Cash with Apple Pay. Apple Cash is a digital card that lives in Wallet — it stores the cash you receive or want to send. 4 You can send money right in Wallet or Messages — pay your squad for brunch or chip in for a coworker’s gift. You can also spend it in stores, in apps, or online with Apple Pay.
Easy.
Does it all.
Grab from the
corner cafe. Load
up your app.
Order a new online.
Have delivered.
Subscribe to .
Get
from a
vending machine.
supermarket.
Just look
for
or when
you check out.

At stores and more. Apple Pay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you’re not sure, just ask. Apple Pay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subway stations.
In apps and online. Use Apple Pay for purchases in Safari on your iPhone, iPad, or Mac. You can skip the lengthy checkout forms and pay with just a touch or a glance. Or use Apple Pay to subscribe to services like Apple Music, Apple News+, and Apple TV+, buy apps and games on the App Store, and upgrade your iCloud storage.
Safe and
sound.
And secure.
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Personal data. Protected. When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple with merchants. If you prefer not to share your email address with merchants when paying online, you can use Hide My Email to generate unique, random email addresses that automatically forward to your personal inbox.
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Your purchases stay private. When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you. And when you use Apple Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.
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Tap more. Touch less. Apple Pay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. Every purchase requires Face ID, Touch ID, or a passcode — helping to keep your security in your hands.
Apple Wallet


The Wallet app lives right on your iPhone. It’s where you securely keep your boarding passes, event tickets and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more.
Loyalty
and Rewards
You reap
what you store.
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No physical
cards to lose. Win, win,
win.
Loyalty and Rewards
Loyalty and Rewards
Add your favourite coffee shop, medical store or retail rewards cards to Wallet, and next time you’re at checkout, just tap and pay to receive and redeem rewards. 1 Never lose another card, another point or another free double latte again. It’s the perfect way to get all your points across.

Travel
Your even more mobile device.



Boarding
passes.
Easier on
the fly.
Boarding Passes
Boarding Passes
After you add your airline passes to Wallet, just show up at your gate and present your screen to board — no need to unlock your iPhone. 2 And receive timely flight information and notifications along the way. You’re cleared for a smooth boarding.

Theme parks. Your ticket to ride, enter, eat and smile.


Theme Parks
Theme Parks
Your trip to Walt Disney World just got even happier. Set up your Disney MagicMobile pass in Wallet and get easy access to features like entering the park with just your iPhone or Apple Watch, redeeming your spot in a virtual queue and connecting to Disney PhotoPass. It’s a small world at your fingertips.


Sports and
live events.
Just show.
And go.
Sports and Live Events
Sports and Live Events
With Wallet, your tickets are always at the ready. 2 Enter a movie theater, concert venue or sports stadium with just your iPhone or Apple Watch. Sure to be a real crowd pleaser.

Keys
Now with
less key.
Home key.
So nice
to come
home to.

Home Key
With a home key in Wallet and a compatible smart lock, you can unlock your front door with just a tap of your iPhone or Apple Watch. 3 Even if your device needs a charge, it will still work on power reserve. So feel free to show yourself in.



The wall around Wallet.
Wallet takes full advantage of the privacy and security built into iPhone, which is designed to protect your identity and keep what’s yours yours. And there’s no need to carry physical cards or touch buttons in stores. So it’s safe to say you’ll feel safer.
In case you missed anything.
What is Apple Wallet?
Apple Wallet is an app on iPhone and Apple Watch that securely and conveniently organises your boarding passes, tickets, car keys, rewards cards and more — all in one place.
How safe is Apple Wallet?
In a word, very. Your cards are securely associated with your Apple ID to help you add and manage your cards and passes across devices. For added security, iCloud encrypts your Wallet data when it’s sent over the Internet and stores it in an encrypted format when it’s on Apple servers.
How do I use Apple Wallet?
It’s easy to use different cards and passes in Apple Wallet. Some passes can automatically appear based on time and location, like a boarding pass when you arrive at the airport. You can even use your iPhone or Apple Watch as a home and car key. Learn more
Set up Apple Pay
on your Apple device.
![]()
iPhone
Open the Wallet app
and tap + to add a card.
![]()
Apple Watch
Open the Apple Watch
app on your iPhone,
tap Wallet & Apple Pay,
and then tap Add Card.
![]()
iPad
Go to Settings >
Wallet & Apple Pay
and tap Add Card.
![]()
Mac
On models with Touch ID,
go to System Preferences >
Wallet & Apple Pay and
tap Add Card.
For more information, visit the Apple Pay setup support page.
Apple Footer
- Available only with selected programmes. Requires iPhone 6 or later with iOS 9 or later. See here for details.
- Requires iPhone 6 or later with iOS 9 or later. See here for details.
- Available only on selected home locks and properties. Requires eligible device and OS version.
- Features are subject to change. Some features, applications and services may not be available in all regions or all languages.
- Some features require specific hardware and software. For more information, see Feature Availability.
Apple Wallet


The Wallet app lives right on your iPhone. It’s where you securely keep your credit and debit cards, driver’s license or state ID, transit cards, event tickets, keys, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more.
Payments
and Rewards
Start here.
Pay anywhere.


Add a credit
or debit card.
With no
added effort.
Apple Pay.
Buy all the



















Anywhere you see
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Apple Pay
Apple Pay is the easy, secure way to pay in stores or online. Pay for a ride, a pizza, or even a new sofa — with just a touch or a glance. And checking out in stores is safer than using physical cards since you don’t have to touch any buttons or exchange cash. It’s no work, all pay.
Apple Pay Later.
Easily pay over time. 1

Learn more, Apple Pay Later Apple Pay Later
Apple Pay Later
With Apple Pay Later, you can split your purchases into smaller payments with no interest or fees. 2 Simply choose Apple Pay and then tap the Pay Later tab when you’re checking out online or in apps on your iPhone or iPad. You’ll find out in moments if you’re approved. And you manage everything in Wallet, with built-in tools to help support healthy financial habits. From last-minute school supplies to long-overdue kitchenware upgrades, it’s a great way to spread out your spending.
Apple Cash.
The bucks
start here.

Apple Cash
Apple Cash is a digital card that lives right in Wallet, making it easy to send and receive money in Messages or Wallet. 3 Your Apple Cash can be spent in stores, online, and in apps with Apple Pay. You can send recurring payments to other people for things like rent, internet, or groceries — and set up auto reload to top up your balance whenever you run low. You can also share funds with your kids on their own Apple Cash card, giving them the perfect amount of financial freedom — with built-in protections for your peace of mind.
Apple Card.
A different kind
of credit card.

Apple Card
Apple Card is unlike any other card out there. It lives right on your iPhone, has no fees, 4 and includes tools to support your financial health. You also get unlimited Daily Cash back on every purchase — along with two great ways to use your Daily Cash. Choose to have it automatically deposited onto your Apple Cash card in the Wallet app, and it’s ready to send or spend however you’d like. Or, you can open a Savings account with Apple Card, route your Daily Cash directly into the account, and watch it earn interest over time. 5
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Loyalty
and rewards. You reap
what
you
store.
Loyalty and Rewards
Loyalty and Rewards
Add your favorite coffee shop, drugstore, or retail rewards cards to Wallet, and next time you’re at checkout, just tap and pay to receive and redeem rewards. 6 Never lose another card, another point, or another free double latte again. It’s the perfect way to get all your points across.

Identity Cards
Always on hand.
Or wrist.
Driver’s
license
and state ID.
Now on
iPhone.

Driver’s License and State ID
Driver’s License and State ID
Add your driver’s license or state ID to Wallet, and with just a tap of your iPhone or Apple Watch you can present your ID at select TSA checkpoints without handing over your device. 7 You can even tap to present your ID on iPhone at age-restricted events and venues. 8 The security of Face ID and Touch ID means only you can show your ID. When apps need to verify your age or identity, they see only the necessary data — not your whole ID. You can review which identity details are being requested and then choose whether to present that information.

Employee badge.
Works wonders
at work.

Employee Badge
Go ahead and retire the plastic badge that hangs on your lanyard or waistband. With your employee badge in Wallet, you can use your iPhone or Apple Watch to badge into the office, get access to the fitness center — even pay for a meal at the company cafe. 9 Now that’s how to get the job done.
Student ID.
Big app on
campus.

Student ID
Add your student ID card in Wallet and never worry about losing it again. 10 Use your iPhone or Apple Watch anywhere your ID is accepted — both on and off campus. Just hold your device to the reader and get into places like your dorm, the library, and school events. Pay for laundry, snacks, and dinners nearby, too. There’s even a crisis hotline, so if you’re ever in need, you can reach out to someone for help. This is your pass, no fail.
Transit
and Tickets
Your even more mobile device.
Express
Mode.
Tap.
Ride.
Done.
Express Mode
Express Mode
Set your card to Express Mode, then just tap and hop on to ride the next train or bus. 11 Breeze through the turnstiles by holding your iPhone or Apple Watch to the reader. And add value through Apple Pay without going to a vending machine or kiosk. Happy trails and rails.




Boarding
passes.
Easier on
the fly.
Boarding Passes
Boarding Passes
After you add your airline passes to Wallet, just show up at your gate and present your screen to board — no need to unlock your iPhone. 12 And receive timely flight information and notifications along the way. You’re cleared for a smooth boarding.

Theme parks. Your ticket to ride, enter, eat, and smile.


Theme Parks
Theme Parks
Your trip to Walt Disney World just got even happier. Set up your Disney MagicMobile pass in Wallet and get easy access to features like entering the park with just your iPhone or Apple Watch, redeeming your spot in a virtual queue, and connecting to Disney PhotoPass. You can even charge purchases to your Disney Resort hotel room. It’s a small world at your fingertips.


Sports and
live events.
Just show.
And go.
Sports and Live Events
Sports and Live Events
With Wallet, your tickets are always at the ready. 12 Enter a movie theater, concert venue, or sports stadium with just your iPhone or Apple Watch. Sure to be a real crowd pleaser.

Keys
Now with
less key.
Home key.
So nice
to come
home to.

Home Key
With a home key in Wallet and a compatible smart lock, you can unlock your front door with just a tap of your iPhone or Apple Watch. 13 Even if your device needs a charge, it will still work on power reserve. So feel free to show yourself in.

Hotel key.
A new level of room service.

Hotel Key
Now at select hotels you can add your hotel key to Wallet right after making a reservation. So you can skip the lobby and head straight to your room. 14 You can also use your iPhone or Apple Watch to access the pool, fitness club, business center, and more. And your key can be updated in real time if you change your reservation or extend your stay. If you’re a repeat customer, a single key in Wallet can allow you to check in and unlock your room for all upcoming stays at hotels within the same brand.
Car key.
Leave the keys. Take the wheel.

Car Keys
Once your digital car key is stored in Wallet, you’ll be able to unlock and start your car, open the trunk — even preheat the cabin — with just your iPhone or Apple Watch. 15 Sharing keys with friends or family is easy, too. You can send keys through messaging apps, customize controls for new drivers, and share and revoke keys.


The wall around Wallet.
Wallet takes full advantage of the privacy and security built into iPhone, which is designed to protect your identity and keep what’s yours yours. When you make a purchase, Apple Pay uses a unique transaction code, so your card number is never shared with a merchant or put on Apple servers. And there’s no need to carry physical cards or touch buttons in stores. So it’s safe to say you’ll feel safer.
Questions? Answers.
What is Apple Wallet?
Apple Wallet is an app on iPhone and Apple Watch that securely and conveniently organizes your credit and debit cards, transit passes, boarding passes, tickets, identity cards, keys, rewards cards, and more — all in one place.
How safe is Apple Wallet?
In a word, very. Your cards are securely associated with your Apple ID to help you add and manage your cards and passes across devices. For added security, iCloud encrypts your Wallet data when it’s sent over the internet and stores it in an encrypted format when it’s on Apple servers.
How do I use Apple Wallet?
It’s easy to use different cards and passes in Apple Wallet. Some passes can automatically appear based on time and location, like a boarding pass when you arrive at the airport. If you have a credit, debit, prepaid, store, or rewards card in Wallet that works with Apple Pay, just double-click the Home button to open Wallet and use your card from the reader. On iPhone X or later, double-click the side button. Learn more You can also use Express Transit without having to wake or unlock your phone. Learn more You can even use your iPhone or Apple Watch as a home, car, and hotel key. Learn more
What is the difference between Apple Pay and Apple Wallet?
Apple Pay is the safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.
More for
your finances.
Apple Pay
Pay the Apple way.

Apple Card
The simplicity of Apple.
In a credit card.

Apple Cash
Send it.
Spend it. Stash it.

Set up Apple Pay
on your Apple device.
![]()
iPhone
Open the Wallet app
and tap + to add a card.
![]()
Apple Watch
Open the Apple Watch
app on your iPhone,
tap Wallet & Apple Pay,
and then tap Add Card.
![]()
iPad
Go to Settings >
Wallet & Apple Pay
and tap Add Card.
![]()
Mac
On models with Touch ID,
go to System Preferences >
Wallet & Apple Pay and
tap Add Card.
For more information, visit the Apple Pay setup support page.
Apple Footer
- Subject to eligibility and approval. Available only in the U.S. May not be available in all states. Not available in U.S. territories. Loans made by Apple Financing LLC, NMLS #2154940. CA loans made or arranged pursuant to a California Financing Law license. To use Apple Pay Later, you must have an iPhone or iPad updated to the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. See here for more eligibility details.
- Your bank may charge you fees if your debit card account contains insufficient funds to make loan repayments.
- Apple Cash services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions. Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can send up to $2000 per transaction and receive up to $2000 within a seven-day period. To access and use all Apple Cash features, you must have an eligible device with Wallet that supports and has the latest version of iOS.
- Variable APRs for Apple Card range from 19.24% to 29.49% based on creditworthiness. Rates as of August 10, 2023. Existing customers can view their variable APR in the Wallet app or card.apple.com.
- To access Savings, Apple Card Owners and Co‑Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and Co‑Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co‑Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash Card and Savings accounts. Owners and Co‑Owners may individually change where their Daily Cash is deposited at any time. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or US Minor Outlying Islands. To set up Savings, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.
- Available only with select programs. Requires iPhone 6 or later with iOS 9 or later. See here for details.
- ID cards in Wallet are currently available for use in select states at select TSA checkpoints. Travelers should refer to checkpoint signage to confirm availability. Requires iPhone 8 or later with iOS 15.4 or later. Available on Apple Watch Series 4 or later with watchOS 8.4 or later. See here for details.
- ID cards in Wallet are available in select states. ID verifier is available at select merchants. Requires iPhone 8 or later with iOS 16.5 or later, or Apple Watch Series 4 or later with WatchOS 9.5 or later. See here for details.
- Available only at select companies. Requires eligible device and OS version.
- Available only in select schools. Requires eligible device and OS version. See here for details.
- Available only in select cities and transit systems. Requires eligible device and OS version. See here for details.
- Requires iPhone 6 or later with iOS 9 or later. See here for details.
- Available only on select home locks and properties. Requires eligible device and OS version.
- Available only at select hotels. Requires eligible device and OS version.
- Available only on select makes and models. Requires eligible device and OS version. See here for details.
Apple Wallet — что это и как пользоваться

Банковскую карту не обязательно носить с собой всегда и везде. Чтобы быстро оплатить покупки, достаточно всего лишь поднести смартфон к считывающему устройству. В статье мы расскажем, что такое Apple Wallet и как им пользоваться.
- Что такое Apple Wallet
- Как добавить карту в Apple Wallet
- Добавление банковской карты
- Добавление скидочной карты
Звонки и смс – уже давно не единственные функции современных телефонов. Мы используем гаджеты не только для общения, но и для работы, бизнеса, учебы, развлечений, а также в других целях, в том числе для оплаты покупок.
Бумажные деньги постепенно выходят из обихода, а на смену им пришли банковские карточки. Сегодня можно получить кредит на карту. Но и пластик, в свою очередь, постепенно вытесняют специальные мобильные приложения.
Многие оплачивают покупки с помощью телефона. Ради удобства каждому пользователю стоит установить онлайн-банк и виртуальные кошельки, где и хранятся данные о банковских и скидочных карточках.
Что такое Apple Wallet
Когда мы покупаем устройство, на нем уже установлены специальные системные приложения. Apple Wallet — одно из них. Оно появилось в iOS 9 и более поздних версиях.
Данное приложение представляет собой виртуальный кошелек, который хранит не только банковские, но и бонусные карты. Приложение не требует загрузки, оно заранее установлено на телефон и его нельзя удалить.
Жители Китая, США и Японии могут добавить туда транспортную карту и оплачивать проезд бесконтактным методом, приложив телефон или Apple Watch (умные часы) к считывающему устройству. В России такая возможность доступна только в метрополитенах Москвы и Санкт-Петербурга.
Сейчас в России работают над тем, чтобы владельцы устройств Apple могли пользоваться виртуальной транспортной картой «Тройка». Об этом сообщает ТАСС.
Электронное портмоне помимо хранилища для карточек выполняет ряд других функций. В 2020 году некоторые автомобильные компании подключили Car Key. Это значит, что теперь с помощью смартфона можно открыть и даже завести машину.
С 2021 года гости ряда американских отелей получили возможность добавлять в приложение карту-ключ от номера. Чтобы открыть дверь в комнату, достаточно запустить Wallet и поднести к датчику для считывания информации.
Как добавить карту в Apple Wallet
Для бесконтактного способа оплаты потребуется технология NFC. Если ваш айфон не поддерживает такую функцию, то валлет можно использовать просто для хранения карточек – как банковских, так и скидочных.
У пользователей iPhone 6 и версий новее нет поводов переживать. Wallet у них в смартфоне – это не только виртуальный кошелек: Apple Pay проводит оплату в офлайн- и онлайн-магазинах.
В Совкомбанке можно оформить кредит наличными на любые цели до 5 млн рублей. Выберите удобную программу и рассчитайте ежемесячный платеж на кредитном калькуляторе. Деньги нужны срочно? Достаточно паспорта и любого второго документа. Нужна крупная сумма? Вы можете взять кредит под залог автомобиля или недвижимости. Заполните заявку на сайте и получите быстрое одобрение.
Когда вы открываете портмоне в смартфоне, то вы видите список всех добавленных карт. Имейте в виду, что виртуальная карточка – это двойник пластиковой версии. То есть образ в приложении в точности повторяет дизайн продукта.
Wallet позволяет добавлять платежные и клубные карты, скидочные купоны, билеты в кино и даже билеты на самолет или поезд.
Добавление банковской карты
С августа 2021 года россияне получили возможность привязать к приложению карточки не только платежных систем MasterCard и Visa, но и национальной системы Мир тоже. Сложности возникают только с Maestro – эту систему приложение айфона пока не поддерживает.
Всем остальным добавить банковский продукт очень быстро и просто:
- Откройте Apple Wallet на IPhone.
- Справа вверху вы увидите плюсик, нажмите на него.
- Выберите «Дебетовая или кредитная карта».
- Нажмите «Дальше». Вы можете сканировать карточку – устройство ее распознает и выдаст информацию на экране. Однако если фотографировать неудобно, то вы можете и вручную ввести данные.
- Проверьте всю необходимую для корректной работы информацию с карты: имя и фамилию, номер, срок действия, трехзначный код на обороте.
- Если все данные правильные, то на номер телефона придет смс с кодом для проверки. Введите его в специальной строке.
В приложении, если вы нажмете на карту, отображается лицевая сторона карточки и история последней транзакции.
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Добавление скидочной карты
Чтобы сэкономить место в кошельке или сумке, привяжите необходимые клубные и бонусные карточки в приложение. Однако Wallet поддерживает не все программы лояльности.
Проверить это можно двумя путями: попробуйте добавить дисконтную карточку или уточните о такой возможности на сайте магазина, ресторана, аптеки и др.
Какие способы существуют:
- Перейдите в приложение изи смс или по ссылке, отправленной вам на почту.
- Сканируйте QR-код на самой карточке, если он там, конечно, есть.
- Иногда карта привязывается автоматически, когда вы уже оплатили товар или услугу с помощью Apple Pay.
Самая крупная по размеру — памятная банкнота Малайзии номиналом в 600 ринггитов образца 2017 года. Ее размер чуть больше листа А4.
Другой факт
Как платить с помощью Apple Wallet
Чтобы активировать приложение-кошелек, достаточно нажать 2 раза на боковую кнопку телефона, пройти процедуру распознавания лица или ввести пароль. После этого поднесите айфон к кассе и удерживаете какое-то время, пока на экране не высветится «Готово». Это значит, что оплата прошла успешно.
Если вы используете Touch ID (распознавание отпечатка), то коснитесь пальцем датчика. Далее поднесите мобильный к считывающему устройству и ждите сигнала «Готово».
Чтобы воспользоваться привязанной дисконткой, откройте приложение и покажите ее, чтобы кассир сканировал код, либо поднесите карту к сканеру на кассе самообслуживания
Приложение, с которым мы вас познакомили, облегчает хранение всех пластиковых платежных и скидочных прямоугольничков. Вам не придется носить их с собой и суетливо искать нужную карту в кошельке или сумке на кассе — достаточно открыть приложение и найти ее мобильный аватар.