Get ready to ditch your old wallet in favor of a faster, more secure option. Instead of swiping your card at checkout, all you have to do is hold your phone. Apple and Android smartphones let you pay for everything from your next latte to your new favorite sweater using built-in apps.

You can even use voice commands to send money to friends and family. Saying something like, “Hey Siri, send Mom $100,” actually works as long as Mom is set up in your contacts. Tap or click here for five safe ways to pay online.

You can use Apple Wallet and Google Pay to make purchases in-store, online, or in apps. It is also easy to configure. We will guide you through the process.

How to Set Up Apple Pay on an iPhone

You’ll need to add a card to Apple Wallet if you haven’t already. Here’s how:

  • Open the Wallet app, and press the To add button.
  • Faucet Debit Where Credit card.
  • Faucet Continue.
  • Follow the on-screen steps to add a new card. If prompted, choose your bank or card issuer from the list or search for them using the search bar.
  • Verify your information with your bank or card issuer. They may ask you to provide additional information or download an app before approving your card for use with Apple Pay.
  • If you have a paired Apple Watch, you can also add the card to your watch.

REMARK: The card you enter will become your default payment method for new charges.

Here’s how to make purchases with Apple Pay:

  • To use your default map:
    • If your iPhone has Face ID, double click side button. If prompted, authenticate with Face ID or enter your password to open Apple Wallet.
    • If your iPhone has Touch ID, double-click the Home button.
  • To use another card, press your default map to see your other cards. Press a new card and authenticate.
  • Hold the top of your iPhone near the contactless reader until Done and a check mark appears on the screen.

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Pro tip: If you’re on the go and want to use Apple Pay quickly, there’s a way to bypass your lock screen and get straight to your wallet.

  • If you have a FaceID compatible iPhone, double click side button.
  • If you have a Home button model, double-click Home In place.
  • Your wallet will appear and you can pay quickly. Then verify the purchase with your fingerprint or FaceID.

How to set up Google Pay on an Android phone

Google Pay offers similar mobile wallet options through the free service Google Pay application. Here’s how to set up Google Pay:

  • Download the Google Pay app from the Google Play Store.
  • Open the Google Pay app.
  • At the top left, tap Menu > Payment methods.
  • Next to the payment method you want to set up for contactless payments, select Activate contactless.
  • Follow the instructions to verify your payment method.

Google Pay offers amazing conveniences and rewards when you use it to make purchases. It becomes doubly effective if you link the app to a cashback or rewards payment method. Check out 10 amazing things you can do with Google Pay.

Steps to use Google Pay:

  • Wake up and unlock your phone – Turn on your phone screen, then unlock your phone. You don’t need to open the Google Pay app.
  • Hold the back of your phone close to the payment reader for a few seconds – When you have finished paying, a blue tick appears on the screen.
  • If the check mark is not on your screen:
    • Try holding your phone differently. Your NFC antenna may be near the top or bottom of your device.
    • Move your phone closer to the payment reader.
    • Hold your phone for a few more seconds.
  • If there is a checkmark but the cashier says the payment did not go through:
    • Verify that the store accepts mobile payments.
    • Contact your bank to make sure your card is working properly.
  • If prompted, follow the on-screen instructions – Some stores use older software that requires a PIN or signature. If prompted, follow the on-screen steps.
    • Debit Cards: Enter the PIN you set up with your bank. This PIN is different from the PIN you use to unlock your device.
    • Credit card: For larger transactions, sign the receipt or the on-screen signature box.

Is it safe to pay with Apple Wallet and Google Pay?

Apple and Google take fraud prevention very seriously. They both have many state-of-the-art security measures in place. These services work as an intermediary to provide an extra layer of protection between your personal banking information and any potential thief.

You don’t have to worry about card skimmers when everything is digital, and facial and fingerprint recognition technology is hard to fool. With these services, your actual card number isn’t even shared with the merchant when you make a purchase. Instead of your credit card number, they receive a secure payment token linked to the verified card.

These precautions make using your digital wallet even safer than using your real credit card. It’s also one of the safest ways to help someone under 18 shop online. To turn it on for your kids, create a Family Sharing group through Apple or Family Link in Google.

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