What is Apple Pay and Apple Wallet?

Apple Pay is a secure, contactless payment method that lets customers make purchases using their Apple devices instead of physical cards. Apple Wallet is a digital wallet app where customers can securely store and manage payment cards, passes, and tickets.

What are the benefits of using Apple Pay?

Secure: Uses tokenisation (DPAN) and biometric authentication. Convenient: Works in-store, in-app, and online. Private: Card details are never shared with merchants.

Will my device support Apple Pay?

Apple Pay is available on the following devices: iPhone: iPhone 6 and later Apple Watch: All models paired with an eligible iPhone iPad: iPad Pro, iPad Air 2 and later, iPad mini 3 and later Mac: With Touch ID Without Touch ID (requires iPhone or Apple Watch for authentication)

What software do I need to use Apple Pay?

You’ll need the latest version of iOS, iPadOS, watchOS, or macOS.

What setup requirements must be met?

Region must support Apple Pay User must be signed into iCloud with an Apple ID Face ID, Touch ID, or device passcode must be enabled User must meet Apple’s age requirements (typically 13+ years) Only issuer-approved cards can be added

How do I add a card to Apple Pay?

iPhone Wallet App: Open Wallet → Tap Add (+) → Follow prompts. Settings: Go to Settings > Wallet & Apple Pay → Tap Add Card. Issuer’s App: Add card directly from the MoneyMe app, see Apple Pay [Mobile app] Apple Watch Wallet App (on iPhone): Open Apple Watch App → Wallet & Apple Pay → Add Card. Apple Watch App (on Watch): Open Wallet → Tap Add Card. iPad Go to Settings > Wallet & Apple Pay → Tap Add Card → Follow prompts. Mac With Touch ID: Go to System Settings > Wallet & Apple Pay → Add Card. Without Touch ID: Add cards via iPhone or iPad linked through iCloud. Connected Cards If the same iCloud account is used across devices, eligible cards can be added to each device individually.

How do I use Apple Pay?

In Store iPhone: Hold device near the contactless reader with Face ID or Touch ID authentication. Apple Watch: Double-click side button and hold near reader. In-App Purchases (iPhone, iPad) Select Apple Pay at checkout and authenticate via Face ID, Touch ID, or passcode. On the Web iPhone / iPad: Pay directly in Safari using Apple Pay. Mac with Touch ID: Authenticate via Touch ID. Mac without Touch ID: Authorize payment through a nearby iPhone or Apple Watch. Transaction History Visible within the Wallet app (depends on issuer support). Refunds Processed the same way as original purchase. Customer may need to present the Device Account Number (DPAN) for verification. Express Mode for Transit Allows customers to tap and ride without authentication (for supported transit networks).

How do I remove a card from Apple Pay?

iPhone: Wallet App > Select Card > More (…) > Remove This Card Apple Watch: Apple Watch App > Wallet & Apple Pay > Select Card > Remove Card iPad: Settings > Wallet & Apple Pay > Card > Remove Card Mac: System Settings > Wallet & Apple Pay > Card > Remove Card If lost/stolen: Remove cards remotely via Find My or iCloud

How do I change my default card?

In Wallet: Tap and hold the card → Drag to the front In Settings: Settings > Wallet & Apple Pay > Default Card

Where can I view my card details?

Tap the card in Wallet to view front and back (some issuers display recent transactions).

Can I suspend or resume a card?

Cards can be temporarily suspended via Find My App or iCloud when a device is lost. Once recovered, card can be resumed from the same menu.

How do I set my default card for Express Transit?

Settings > Wallet & Apple Pay > Express Transit Card → Select desired card.

What is a DPAN and how is it different from my card number?

A Device Primary Account Number (DPAN) is a unique token created when your card is added to Apple Pay. It replaces your real card number (PAN) during transactions for extra security. To find your DPAN: iPhone/iPad: Wallet > Select Card > Card Information Apple Watch: Watch App > Wallet & Apple Pay > Card Information

The Secure Element Identifier (SEID) is a unique ID for the chip that securely stores payment credentials. You can find it under Settings > General > About > SEID on supported devices.

MONEYME x Apple Pay

Credit card

February 25, 2026

Last updated: March 17, 2026

1 min read

Fact checked

Pay the fast, easy, and secure way – in-store, in app, and online. With Apple Pay, there’s no card to carry, your details stay private, and every transaction is protected with Face ID or your passcode.

How to add your MONEYME card to Apple Pay

Choose the way that suits you best:

In Wallet on iPhone

Open the Wallet app and tap the + icon.

Choose ‘Credit or Debit Card’.

Enter your MONEYME card details then follow the prompts.

From the MONEYME app

Open the MONEYME app and select your card you wish to add to Apple Pay.

Tap ‘Add to Apple Wallet’.

Verify your card, follow the remaining prompts and you’re ready to pay.

On Apple Watch

Open the Watch app on your iPhone.

Go to Wallet & Apple Pay → ‘Add Card’.

Follow the instructions to add your MONEYME card.

Why use Apple Pay with MONEYME?

Pay almost anywhere: Use Apple Pay in-store anywhere you see the contactless symbol, the Apple Pay icon, or the ‘Pay with Apple Pay’ button. Just double-click, authenticate with Face ID or your passcode, then hold your iPhone or Apple Watch near the terminal to pay. Visit apple.com to learn more.

High‑value ready: No set contactless limit from Apple Pay. Issuer, terminal or merchant limits may still apply.

Designed for Security: With privacy built-in, your card details aren’t stored on your device or Apple servers, and are not shared with merchants when you pay.

Apple Pay replaces your actual card number with a unique device number and adds biometric authorisation for every payment.

Your money stays protected, your data stays private, and checkout stays effortless.

Frequently asked questions

- Apple Pay is a secure, contactless payment method that lets customers make purchases using their Apple devices instead of physical cards.
  
  Apple Wallet is a digital wallet app where customers can securely store and manage payment cards, passes, and tickets.

- Secure: Uses tokenisation (DPAN) and biometric authentication. Convenient: Works in-store, in-app, and online. Private: Card details are never shared with merchants.

- Apple Pay is available on the following devices:
  - iPhone: iPhone 6 and later
  - Apple Watch: All models paired with an eligible iPhone
  - iPad: iPad Pro, iPad Air 2 and later, iPad mini 3 and later
  - Mac:
    - With Touch ID
    - Without Touch ID (requires iPhone or Apple Watch for authentication)

- You’ll need the latest version of iOS, iPadOS, watchOS, or macOS.

- - Region must support Apple Pay
  - User must be signed into iCloud with an Apple ID
  - Face ID, Touch ID, or device passcode must be enabled
  - User must meet Apple’s age requirements (typically 13+ years)
  - Only issuer-approved cards can be added

- iPhone
  - Wallet App: Open Wallet → Tap Add (+) → Follow prompts.
  - Settings: Go to Settings > Wallet & Apple Pay → Tap Add Card.
  - Issuer’s App: Add card directly from the MoneyMe app, see Apple Pay [Mobile app]
  Apple Watch
  - Wallet App (on iPhone): Open Apple Watch App → Wallet & Apple Pay → Add Card.
  - Apple Watch App (on Watch): Open Wallet → Tap Add Card.
  iPad
  - Go to Settings > Wallet & Apple Pay → Tap Add Card → Follow prompts.
  Mac
  - With Touch ID: Go to System Settings > Wallet & Apple Pay → Add Card.
  - Without Touch ID: Add cards via iPhone or iPad linked through iCloud.
  Connected Cards If the same iCloud account is used across devices, eligible cards can be added to each device individually.

- In Store
  - iPhone: Hold device near the contactless reader with Face ID or Touch ID authentication.
  - Apple Watch: Double-click side button and hold near reader.
  In-App Purchases (iPhone, iPad)
  - Select Apple Pay at checkout and authenticate via Face ID, Touch ID, or passcode.
  On the Web
  - iPhone / iPad: Pay directly in Safari using Apple Pay.
  - Mac with Touch ID: Authenticate via Touch ID.
  - Mac without Touch ID: Authorize payment through a nearby iPhone or Apple Watch.
  Transaction History
  - Visible within the Wallet app (depends on issuer support).
  Refunds
  - Processed the same way as original purchase.
  - Customer may need to present the Device Account Number (DPAN) for verification.
  Express Mode for Transit
  - Allows customers to tap and ride without authentication (for supported transit networks).

- - iPhone: Wallet App > Select Card > More (…) > Remove This Card
  - Apple Watch: Apple Watch App > Wallet & Apple Pay > Select Card > Remove Card
  - iPad: Settings > Wallet & Apple Pay > Card > Remove Card
  - Mac: System Settings > Wallet & Apple Pay > Card > Remove Card
  - If lost/stolen: Remove cards remotely via Find My or iCloud

- - In Wallet: Tap and hold the card → Drag to the front
  - In Settings: Settings > Wallet & Apple Pay > Default Card

- Tap the card in Wallet to view front and back (some issuers display recent transactions).

- - Cards can be temporarily suspended via Find My App or iCloud when a device is lost.
  - Once recovered, card can be resumed from the same menu.

- Settings > Wallet & Apple Pay > Express Transit Card → Select desired card.

- A Device Primary Account Number (DPAN) is a unique token created when your card is added to Apple Pay. It replaces your real card number (PAN) during transactions for extra security.
  
  To find your DPAN:
  - iPhone/iPad: Wallet > Select Card > Card Information
  - Apple Watch: Watch App > Wallet & Apple Pay > Card Information

- The Secure Element Identifier (SEID) is a unique ID for the chip that securely stores payment credentials.
  
  You can find it under Settings > General > About > SEID on supported devices.