How To Pay With Apple Pay On IPhone 14: A Step-by-Step Guide

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5 min. read

Published on November 11, 2025

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Apple Pay offers a fast, secure, and private way to make purchases in stores, in apps, and on the web using your iPhone 14. By digitizing your credit and debit cards, Apple Pay eliminates the need to carry physical cards, streamlining the payment process and adding an extra layer of security. This guide will walk you through the simple steps to set up and use Apple Pay on your iPhone 14.

Whether you’re new to Apple Pay or just upgraded to the iPhone 14, this step-by-step guide will help you master mobile payments. Get ready to experience the convenience and security of paying with your iPhone.

Ready to Use Apple Pay on Your iPhone 14?

Adding a Card to Apple Pay on Your iPhone 14

Before you can start using Apple Pay, you need to add your credit or debit cards to the Wallet app. Here’s how:

Open the Wallet app: Look for the Wallet app icon on your iPhone 14’s home screen and tap to open it.
Tap the Add button: This is usually a “+” icon located in the top right corner of the Wallet app.
Select “Debit or Credit Card”: Choose this option to add a new card to Apple Pay.
Follow the on-screen instructions:

You can either scan your card using the iPhone’s camera or enter the card details manually.
If scanning, position your card within the frame shown on the screen.
If entering manually, provide the card number, expiration date, and CVV code.

Verify Your Card: Your bank or card issuer might require you to verify your card. Follow the instructions provided by your bank, which may involve receiving a code via SMS or email.

Paying in Stores with Apple Pay on Your iPhone 14

Once your card is added, you can use Apple Pay at any store that displays the Apple Pay or contactless payment symbol.

Double-click the Side Button: Quickly press the side button (power button) on your iPhone 14 twice. This will activate Apple Pay.
Authenticate: Use Face ID, Touch ID, or your passcode to authenticate the payment.
Hold your iPhone near the contactless reader: Position the top of your iPhone 14 near the contactless payment terminal until you see “Done” and a checkmark on the screen.

Paying Online or in Apps with Apple Pay on Your iPhone 14

Apple Pay can also be used for online purchases or within apps that support it.

Look for the Apple Pay button: During checkout, look for the Apple Pay button or logo.
Tap the Apple Pay button: Select Apple Pay as your payment method.
Authenticate: Use Face ID, Touch ID, or your passcode to confirm the payment.
Confirm your shipping address and contact information: Review and confirm your details before completing the purchase.

Managing Your Apple Pay Cards

You can manage your cards within the Wallet app.

Open the Wallet app: Locate and open the Wallet app on your iPhone 14.
Select the card you want to manage: Tap on the card you wish to view or edit.
View Card Details: You can see your transaction history, card details, and settings.
Remove a card: Scroll down and tap “Remove This Card” to delete the card from Apple Pay.
Update Card Information: If your card expires or you receive a new card, you can update the information in the Wallet app.

Tips for Using Apple Pay

Keep your iPhone charged: Ensure your iPhone has enough battery life to complete transactions.
Check for the Apple Pay symbol: Look for the Apple Pay or contactless payment symbol at checkout.
Secure your iPhone: Protect your iPhone with a strong passcode, Face ID, or Touch ID.
Monitor your transactions: Regularly check your transaction history in the Wallet app or through your bank.

Apple Pay on iPhone 14: A Secure Payment Method

Using Apple Pay on your iPhone 14 not only simplifies payments, but also enhances security by tokenizing your card information and protecting your sensitive data.

FAQ

Can I use Apple Pay everywhere? Apple Pay is accepted at any merchant that supports contactless payments or displays the Apple Pay logo.

Is Apple Pay secure? Yes, Apple Pay is a secure way to pay. It uses tokenization and requires authentication for each transaction.

What if my card is lost or stolen? You can suspend or remove your card from Apple Pay through the Wallet app or by contacting your bank.

Does Apple Pay cost anything to use? No, Apple Pay is a free service provided by Apple.

Can I use Apple Pay on multiple devices? Yes, you can add your card to Apple Pay on multiple Apple devices, such as your iPhone, Apple Watch, and iPad.

Apple Pay vs. Physical Cards: A Quick Comparison

Feature	Apple Pay	Physical Card
Security	Tokenization, authentication	Risk of physical theft
Convenience	Pay with your device	Requires carrying the card
Hygiene	Contactless payment	Physical contact with surfaces
Transaction Limit	May vary by merchant	May vary by card/issuer

Embracing the Convenience of Apple Pay

Apple Pay on the iPhone 14 offers a secure and efficient way to make payments, simplifying your daily transactions and enhancing your overall payment experience.