A Beginner’s Guide to Apple Pay on iPhone 13: Easy Setup & Usage

Setting up Apple Pay on your iPhone 13 is a breeze! It’s a secure and convenient way to make payments without digging through your wallet. Simply add your credit or debit card to the Wallet app, verify your card, and start using Apple Pay in stores, within apps, or on the web. Let’s dive into the easy steps to get you going.

Step by Step Tutorial: Setting Up and Using Apple Pay on the iPhone 13

Before we get started, setting up Apple Pay will allow you to make contactless payments with your iPhone 13. You’ll need to have your credit or debit card handy, as well as your Apple ID signed in.

Step 1: Open the Wallet app on your iPhone 13

Open the Wallet app to begin adding your credit or debit card.

The Wallet app comes pre-installed on your iPhone 13. You can find it on your home screen or by swiping down from the middle of your screen and using the search feature.

Step 2: Tap the “+” sign in the upper right corner

Tap the “+” sign to start adding a new card to your Wallet.

This “+” sign is the gateway to adding all kinds of cards to your Wallet, including store cards and boarding passes, but for now, we’re focusing on credit or debit cards.

Step 3: Follow the onscreen instructions to add a new card

Enter your card information manually or use your iPhone’s camera to capture it.

You’ll need to have your card with you for this step. If you choose to use the camera, make sure you’re in a well-lit area so the card’s details are clear.

Step 4: Verify your card with your bank

You might need to verify your card through a call or a text message from your bank.

The verification process ensures that it’s really you adding the card to your iPhone 13. This might seem like a hassle, but it’s all about keeping your information secure.

Step 5: Start using Apple Pay

Once verified, you can use Apple Pay at stores, within apps, or on the web.

Look for the contactless payment symbol at checkout, or select Apple Pay as a payment option when shopping online or in apps. To pay, just double-click the side button, glance at your iPhone for Face ID, or enter your passcode, and hold your phone near the payment reader.

After completing these steps, you’ll be all set to use Apple Pay wherever it’s accepted. Whether you’re grabbing a coffee, shopping online, or hitting the grocery store, Apple Pay is a quick and secure way to pay.

Tips: Making the Most of Apple Pay on the iPhone 13

  • Keep your device’s software up to date to ensure the best performance and security for Apple Pay.
  • You can add multiple cards to Apple Pay and set a default card for payments.
  • Use Apple Pay for more than just in-store purchases—it’s accepted in many apps and on the web.
  • Double-check that a store accepts Apple Pay before attempting to use it to avoid any checkout hiccups.
  • If you’re having trouble at a terminal, don’t be afraid to ask the cashier for help—sometimes, they need to select a certain option for Apple Pay to work.

Frequently Asked Questions

Is Apple Pay safe to use on my iPhone 13?

Absolutely! Apple Pay is designed with your security and privacy in mind. It uses a unique transaction code and doesn’t store your card numbers on your device or Apple servers.

Can I use Apple Pay if I don’t have an internet connection?

Yes, you can still use Apple Pay in stores without an internet connection. However, an internet connection is required for transactions within apps or on the web.

What do I do if my iPhone 13 is lost or stolen?

You can use the Find My app to put your iPhone in Lost Mode, which will suspend Apple Pay. Additionally, you can remove your cards remotely via iCloud.

Can I use Apple Pay internationally?

Yes, you can use Apple Pay abroad wherever contactless payments are accepted. Just keep in mind that standard international transaction fees from your bank may apply.

How many cards can I add to Apple Pay on my iPhone 13?

You can add up to 12 cards on iPhone 13 models.


  1. Open the Wallet app.
  2. Tap the “+” sign.
  3. Add new card details.
  4. Verify your card.
  5. Start using Apple Pay.


Congratulations! You’re now ready to step into the world of contactless payments with Apple Pay on your iPhone 13. It’s not just about the ease and convenience; it’s also about security. With each transaction, you’re using a technology that keeps your card details safe and your mind at ease. Just imagine—the next time you’re at the checkout, instead of fumbling around for your wallet, you’ll be breezing through with a simple tap of your phone. Embrace the future of payments, and enjoy the simplicity it brings to your daily life. And remember, if you ever run into any snags, help is just a tap away. Whether you have questions about setting up additional cards or using Apple Pay in different scenarios, the vast expanse of online resources and Apple’s customer support are there to guide you. So, what are you waiting for? Set up Apple Pay today and make your next purchase effortlessly chic and secure!