Apple Pay: How to set up and use it on your iPhone, Apple Watch and Mac
It's faster, more secure and more convenient than using your actual credit cards.
Patrick HollandManaging Editor
Patrick Holland has been a phone reviewer for CNET since 2016. He is a former theater director who occasionally makes short films. Patrick has an eye for photography and a passion for everything mobile. He is a colorful raconteur who will guide you through the ever-changing, fast-paced world of phones, especially the iPhone and iOS. He used to co-host CNET's I'm So Obsessed podcast and interviewed guests like Jeff Goldblum, Alfre Woodard, Stephen Merchant, Sam Jay, Edgar Wright and Roy Wood Jr.
Patrick's play The Cowboy is included in the Best American Short Plays 2011-12 anthology. He co-wrote and starred in the short film Baden Krunk that won the Best Wisconsin Short Film award at the Milwaukee Short Film Festival.
Despite the number of people who own an
, there are still plenty of them who don't use
. And that's a shame because it's uniquely positioned to bridge transactions on your iPhone with those in actual stores.
Apple Pay is basically a digital wallet on your iPhone,
, Apple Watch or Mac that lets you buy things in restaurants, in retail stores, in apps and on the web. You can even use it to send and receive money to friends and family with Messages.
Even though there's an image of your credit card in
digital Wallet, your card number is never stored on your phone or on Apple's servers. Instead, Apple Pay uses a specific device number and a unique transaction code to process payments and protect your information. This allows Apple Pay to be faster and more secure than using a physical credit card at a register.