What is Apple Pay and how does it work?

To use Apple Pay for purchases in-store, you must first add your eligible debit or credit card(s) on your iPhone 6, iPhone 7 or Apple Watch 5 or 6 using the Passbook application running on iOS 8.1 or later.
 
Once your card has been added, you can hold your device near the contactless reader.
 
Then, place your finger on “Touch IDTM” and hold the iPhone near the reader until you see “Done” and a checkmark on your screen which indicates that your payment is complete.
 
If “Touch ID” doesn’t work, or you do not have it enabled, you will need to enter your device passcode.
 
To use Apple Pay for purchases within participating merchant apps (or in-app), you must first add your eligible card on your iPhone 6, iPhone 7, Apple Watch 5 or 6, iPad Air 2 or iPad mini 3 in “Settings” on your device.
 
Once your card has been added, look for the “Apple Pay” button at checkout. Simply tap the “Apple Pay” button and review your payment information and contact details to complete your purchase.
 
You will see “Done” and a checkmark on the screen when your payment is complete.