How to Use Apple Pay on iPhone X

Apple Pay on the iPhone X lets you pay in stores, in apps, and on the web using Face ID instead of a physical card. This guide walks you through setting it up, making your first payment, and fixing common issues.

What You’ll Need

An iPhone X with iOS 16 or later (earlier versions work but steps may differ slightly).
A supported credit or debit card from a participating bank.
An Apple ID signed in to iCloud.
Face ID set up and working (Settings > Face ID & Passcode).
A contactless payment terminal at the store (look for the contactless symbol).

Step-by-Step

Add a card to Wallet. Open the Wallet app (it’s preinstalled). Tap the + in the top-right corner. Choose Debit or Credit Card and follow the prompts to scan your card or enter details manually. Your bank may require verification via SMS or their app.
Set a default card (optional). In Wallet, touch and hold a card, then drag it to the front. The first card in the list is the default for payments.
Pay in a store. Rest your finger on the side button (the power button) and glance at the screen to authenticate with Face ID. Hold the top of your iPhone near the contactless reader. Wait for the checkmark and a subtle haptic tap.
Pay in apps or online. When you see the Pay with Apple Pay button, tap it. Review the payment sheet, then double-click the side button and authenticate with Face ID. Confirm with Face ID again if prompted.
Use Apple Pay on the web (Safari). On a website that supports Apple Pay, tap the Apple Pay button, review the order, then authenticate with Face ID on your iPhone. If you’re on a Mac, you can confirm using your iPhone if it’s nearby.
Check recent transactions. Open Wallet, tap a card, and view the latest purchases. Some banks show more detail in their own app.

Common Mistakes

Holding the phone wrong. The NFC antenna is near the top of the iPhone X, so hold the top edge close to the reader, not the center or bottom.
Authenticating too early. If you authenticate before the terminal is ready, the payment may not complete. Wait until the terminal prompts you.
Forgetting to double-click on the web. In Safari, you must double-click the side button to bring up the payment sheet, then authenticate.
Using the wrong card. If you have multiple cards, ensure the default is the one you intend to use, or tap the card on the payment sheet to switch.
Not updating iOS. Older iOS versions may have bugs or missing features. Keep your iPhone updated.

Tips

Use Express Mode for transit. In Wallet, tap your transit card, then enable Express Mode. This lets you pay without Face ID or a passcode on supported transit systems.
Add loyalty and reward cards. Wallet can store store cards, boarding passes, and tickets. Tap + and choose the appropriate type.
Double-click for faster access. Double-click the side button anytime to bring up the default card without opening Wallet.
Check terminal compatibility. If the store’s terminal doesn’t show the contactless symbol, Apple Pay won’t work there. Look for the wave-like icon.
Use Face ID with a mask (iOS 15.4+). If you wear a mask, enable Face ID with a Mask in Settings > Face ID & Passcode. This works with Apple Pay.

Troubleshooting

Payment fails or says “Try again”. Move the phone slightly away and back, or ask the cashier to reset the terminal. Ensure your iPhone is not in Low Power Mode (it can disable NFC in some cases). Restart your iPhone.

Face ID doesn’t recognize you. Make sure your eyes are open and the TrueDepth camera is not blocked. If you have a mask on and haven’t enabled mask support, remove it or use your passcode instead.

Card not supported. Contact your bank. Some banks require you to enable contactless payments or have a compatible card.

Wallet app missing or cards not loading. Go to Settings > Wallet & Apple Pay and sign out of your Apple ID, then sign back in. Restart your iPhone.

Apple Pay not working after an iOS update. Go to Settings > Wallet & Apple Pay, remove all cards, then add them again. This often resolves sync issues.

Phone says “Cannot Set Up Apple Pay”. Check if your region supports Apple Pay. Go to Settings > General > About and see if “Apple Pay” appears. If not, your region or bank may not support it.

Frequently Asked Questions

Is Apple Pay secure on iPhone X?

Yes. Each transaction uses a unique dynamic security code, and your card number is never stored on the device or shared with the merchant. Face ID adds biometric authentication.

Can I use Apple Pay without Face ID?

No, Face ID is required for most transactions. However, you can use your passcode as a fallback if Face ID fails. Express Mode for transit is the only exception.

Does Apple Pay work with any bank?

Most major banks and credit unions support Apple Pay. Check Apple’s list of participating banks or contact your bank directly.

Can I use Apple Pay abroad?

Yes, Apple Pay works internationally wherever contactless payments are accepted. Currency conversion fees may apply depending on your bank.

How do I remove a card from Apple Pay?

Open Wallet, tap the card, tap the three-dot menu, and select Remove Card. You can also manage cards in Settings > Wallet & Apple Pay.

What if my iPhone is lost or stolen?

Use Find My to put your iPhone in Lost Mode, which disables Apple Pay. You can also remove cards remotely via iCloud.com or by calling your bank.

General steps for current mainstream versions; menus can differ by device and version. See the disclaimer or report an error.

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