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How to Access Apple Pay on iPhone 12: Your Complete Guide

by Nawab Mohsin

Embracing the potential of your iPhone 12 involves unlocking the seamless integration of Apple Pay on iPhone 12. This feature revolutionizes the way you transact, eliminating the need for physical cards. This guide serves as your gateway to understanding and optimizing Apple Pay on iPhone 12. From comprehending its functionality to troubleshooting potential access issues, embark on a journey toward effortless digital payments.

Let’s delve into the realm of Apple Pay on iPhone 12, exploring its capabilities and addressing any hurdles along the way.

What is Apple Pay?

Apple Pay is a cutting-edge mobile payment system exclusive to Apple devices like the iPhone 12. It transforms your smartphone into a secure digital wallet, allowing seamless, contactless transactions. By securely storing credit and debit card details, it enables users to make payments at supported vendors without the physical presence of their cards, providing convenience and enhanced security in the transaction process.

How do I manually activate Apple Pay?

Here are the steps to manually activate Apple Pay on iPhone 12:

Step 1: Access Wallet & Apple Pay

Open “Settings” on your iPhone 12 and tap on “Wallet & Apple Pay.”

Step 2: Add a Card

Tap “Add Card” and follow the prompts to input your credit or debit card details. You can also add cards by scanning them using the camera.

Step 3: Card Verification

Verify your card via SMS, email, or by contacting your bank, following the verification process provided by your financial institution.

These steps will enable you to manually activate Apple Pay on your iPhone 12, allowing you to securely store and utilize your cards for digital transactions.

How do I Pay at stores with Apple Pay on iPhone 12?

Paying at stores using Apple Pay on your iPhone 12 is straightforward:

Approach the Payment Terminal

When ready to make a purchase, locate the payment terminal at the store.

Activate Apple Pay

Wake your iPhone 12 and hold it near the contactless payment symbol on the terminal.

Authorize Payment

Use Face ID, Touch ID, or enter your passcode as prompted to authenticate the transaction.


Once confirmed, your iPhone 12 will emit a sound or vibration, indicating a successful transaction.

Your iPhone 12, equipped with Apple Pay, provides a hassle-free and secure method for making payments at various stores that support contactless payments.

Why can’t I access Apple Pay on iPhone 12?

Encountering issues accessing Apple Pay on iPhone 12 can be frustrating. Here are potential reasons and solutions:

Outdated Software

Ensure your iPhone 12 has the latest iOS version to support Apple Pay. Go to Settings > General > Software Update to check for updates.

Regional Limitations

Verify if Apple Pay is available in your current region. Some countries or regions might have restrictions on using Apple Pay.

Card Compatibility

Not all cards are compatible with Apple Pay. Confirm that your bank or card issuer supports Apple Pay for your specific card.

Settings Check

Go to Settings > Wallet & Apple Pay to ensure your cards are properly configured and enabled for use.

Restart Device

Sometimes, a simple restart can resolve temporary glitches that may hinder Apple Pay’s functionality.

Contact Support

If issues persist, reach out to Apple Support for personalized assistance in troubleshooting your iPhone 12’s Apple Pay functionality.

Benefits of using Apple Pay

Using Apple Pay offers several benefits:

  • Convenience: It simplifies transactions by allowing quick, contactless payments with your iPhone 12 at compatible stores, reducing the need to carry physical cards.
  • Security: Apple Pay utilizes advanced security features like tokenization and Touch ID/Face ID authentication, ensuring secure transactions without exposing your card details.
  • Privacy: It doesn’t store or share your card details with merchants, enhancing privacy during transactions.
  • Compatibility: Widely accepted at various retailers, both online and in-store, Apple Pay expands payment options and accessibility.
  • Speed: Transactions are swift and efficient, eliminating the time-consuming process of swiping cards or entering PINs.
  • Integration: Seamlessly integrates with apps and websites, enabling easy purchases within supported applications.


Mastering Apple Pay on your iPhone 12 revolutionizes your transaction experience. Its seamless integration, robust security measures, and widespread acceptance redefine convenience. By embracing this digital payment solution, you unlock a world of swift, secure, and versatile transactions. Seamlessly incorporating Apple Pay into your routine elevates your payment experience to a new level of efficiency and peace of mind.


Is Apple Pay secure on iPhone 12?

Absolutely. Apple Pay ensures high security through tokenization, which replaces sensitive card information with unique tokens, coupled with Face ID/Touch ID verification for transactions.

Can I add multiple cards to Apple Pay on my iPhone 12?

Yes, you can add multiple credit and debit cards to Apple Pay on iPhone 12, allowing flexibility in choosing payment methods.

Does Apple Pay work internationally on iPhone 12?

Yes, Apple Pay works internationally at supported merchants. However, ensure your bank supports international transactions and that the country you’re in supports Apple Pay.

How do I know if a store accepts Apple Pay on iPhone 12?

Look for the contactless payment symbol or the Apple Pay logo at the payment terminal or checkout counter in stores that accept Apple Pay.

Can I use Apple Pay for online purchases on my iPhone 12?

Yes, Apple Pay can be used for secure online transactions within supported apps and websites, streamlining the checkout process.

Is there a transaction limit for Apple Pay on iPhone 12?

Transaction limits might vary depending on the store and the bank. Some retailers might have their own limits for contactless payments.

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