With the popularity of iPhone mobile payment, Apple Pay has become an indispensable part of daily consumption. However, for users who are new to Apple Pay, how to add a credit card to Apple Wallet and quickly complete the binding is still a big question.
In fact, iOS 18 also adds a card sensing function to Apple Wallet, which allows credit cards to be directly and quickly added to the Apple Pay wallet. It is very suitable for credit cards without card numbers. It also saves the need for manual input or camera scanning of credit card numbers. It can also be used Fast binding. This article will take you step by step to understand the process of binding Apple Pay to a credit card, allowing you to easily enjoy the convenience of cashless payment.
What are the benefits of binding your credit card to Apple Pay?
Before you start using your iPhone wallet to bind a credit card, let’s first talk about why you should use Apple Pay and what are the benefits of binding a credit card to your iPhone.
- High security: Apple Pay uses multiple security mechanisms, including Touch ID, Face ID and dynamic security codes to ensure that your transaction information is safe.
- Privacy protection: Apple Pay does not store your credit card number, but generates a unique device account to protect the security of your personal information.
- Convenience: Just hold your iPhone or Apple Watch close to the proximity card reader to complete the payment, eliminating the need to take out your wallet.
- Fast and convenient: Apple Pay transactions are extremely fast, so you no longer need to wait for a store clerk to swipe your card.
- Environmental protection and prevention of loss: Reduce the use of cards, contribute to environmental protection, and even avoid theft of credit cards due to loss.
How to add a credit card to iPhone Apple Pay wallet?
1. Open the built-in Apple Wallet APP
Directly open the “Wallet” APP built into the iPhone system and click the “Join” button in the upper right corner.
2. Select credit card or debit card function
On the add wallet settings screen, select “Debit card or credit card”.
3. Click on the bank provider
And click on the Apple Pay card bank to be added. By default, there are Taipei Fubon Bank, Wing Fung Bank, Yushan Bank and Cathay Pacific Bank. If the debit card or credit card bank name is not in the list, click ” Add other cards”.
4. Add the phone to the wallet via card induction
Next, iOS 18 or the new system will prompt you to bring your iPhone close to the NFC chip on the credit card to sense it, so that you can quickly add the credit card/debit card directly to the Apple wallet.
iPhone NFC relies on the card to sense the location of the credit card. You need to put the back of the phone close to the center of the card. Wait for about 2 seconds and the system will automatically detect the sensor and start the binding process. Most banks can basically do it as long as there is a “sensor indicator” on the card. Use NFC to sense.
Note: If the system is iOS 17 or older, it can only be scanned through the camera.
If the credit card or debit card NFC sensor chip does not respond, you can also click the “Manually enter card details” option below to add a new card by manually entering the credit card number.
5. Enter your credit card security code
When the iPhone card sensor is completed, the credit card details will be displayed. After confirmation, enter the 3-digit security code on the back of the card, and then click Next to confirm the Apple Pay terms and agreement agreement.
6. Bank Verification Apple Pay Card
Finally, Apple Pay card verification will be displayed. You can choose to receive a message verification code or call the bank for verification. Usually, sending and receiving messages can quickly authenticate and bind Apple Pay.
6. Complete Apple Pay binding
As long as the phone number stored in the Apple Pay credit card or bank debit card is the same device, as soon as the SMS is received, the Apple Pay binding wallet authentication and automatic activation will be completed immediately.
How to use Apple Pay payment function on iPhone?
When checking out, just pick up your iPhone and approach the proximity card reader to complete the payment through the following steps. Here is how to use Apple Pay payment method:
- Wake the device: Double-click the Side button (iPhone X and above) or the Home button (earlier models).
- Verify identity: Use Face ID, Touch ID or enter your password.
- Approach a contactless card reader: Hold the top of your phone device close to a contactless card reader that supports Apple Pay.
- Confirm payment: “Complete” and a check mark will appear on the screen to indicate successful payment.
Frequently Asked Questions about Binding Apple Pay Credit Card to Apple Wallet
Why does Apple Pay credit card binding fail?
Please check whether the network connection is stable, whether the credit card information is correct, and confirm whether the bank supports Apple Pay.
Is Apple Pay safe?
Apple Pay uses multiple security measures, including tokenization, Face ID/Touch ID verification, etc. Your real card number will not be transmitted during transactions. Even if your phone is lost, you can directly deactivate the Apple Pay card through iCloud, which is relatively safer than physical credit cards. .
Which banks support Apple Pay?
Most mainstream banks have supported Apple Pay, including Cathay Pacific, Fubon, China Trust, Taishin Bank, etc. It is recommended to check the official websites of each bank for the latest cooperation information.
What should I do if I encounter “Unable to add card” when binding Apple Pay?
1. Check whether the network connection is stable.
2. Confirm that the credit card information is correct.
3. Contact the customer service of the card-issuing bank to confirm whether the card supports Apple Pay and whether there are any restrictions.
What devices does Apple Pay support?
Supported by iPhone 6 and above, Apple Watch Series and above, and some iPad and Mac models.
How to pay using Apple Pay?
Hold the device close to the contactless card machine and authenticate via Face ID, Touch ID or enter your password.
Will losing my iPhone result in Apple Pay being compromised?
As long as you lose your iPhone, you can lock or erase the data on the device through the “Find” App, and immediately contact the issuing bank to report the loss of the card.
Can I use Apple Pay to pay overseas?
In fact, many foreign countries support Apple Pay, and the use of mobile payment is more popular than in Taiwan. As long as the credit card sensor can be used, most payments can be made with Apple Pay.
Function summary
Starting from iOS 18, Apple has made the process of binding a credit card to Apple Pay faster, simpler and easier to understand. Through the iPhone NFC and card sensing, Apple Pay can quickly and automatically enter the card number and settings, eliminating the need to Manually enter the card number and scan time. Currently, most credit cards and debit cards in Taiwan support contactless functions and can be directly added to the Apple wallet through the card.
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