How to set up and use Apple Pay with an Apple Watch

AppleWatchThe Apple Watch’s release date is expected to be announced on Monday, and while you might have reservations on when to get one, if you have decided to, then you might be interested in using it for Apple Pay, especially if you are the owner of an iPhone 5, 5C, or 5S, and so far have not been able to take advantage of Apple Pay. The Apple Watch’s NFC chip will allow you to take advantage of Apple Pay at vendor terminals that support it, so when you get your watch, you will have several steps to take in order to use Apple Pay.

1. Set up Apple Pay on your iPhone

The Apple Watch can be used for Apple Pay without your iPhone, but it does require an iPhone that is set up with Apple Pay. Therefore, if you do not already have Apple Pay set up on your phone, then the first step is to be sure you have Apple Pay enabled and configured.

  1. Go to the Passbook & Apple Pay section of your iPhone settings.
  2. Tap “Add Credit or Debit Card” to your list of cards.
  3. Take a picture of your card, or enter its information (you may need to do so even for a picture of the card).
  4. Verify with your bank, and follow any additional instructions, if needed.

Apple has not yet discussed how iPhone 5, 5C, and 5S systems will be set up with Apple Pay. Currently these do not support the service so there are no settings options for them. However, given that they will work with an Apple Watch, the settings will likely be available once your watch is synced with your phone.

2. Sync your watch with your iPhone

Once purchased, you can set up your Apple Watch with your iPhone, which will allow it to communicate with your device to receive messages, mail, and other synchronized information, including Apple Pay account information. The watch will use Bluetooth to communicate with your iPhone, so be sure you have this enabled on your phone. To easily do this, swipe up from the bottom of your screen to access the Control Center, and then tap the bluetooth module to activate it (alternatively do so in the phone’s settings).

3. Unlock your Apple Watch

Apple Pay on the Apple Watch does not require your iPhone be with you, but you will need to have it around to first unlock the watch. This can be done in one of two ways: Enter your password on the watch itself in the vicinity of your paired iPhone, or apply your Touch ID or password on a paired iPhone 5S, 6, or 6 Plus. For iPhone 5 and 5C models without Touch ID sensors, your password can be entered on the iPhone. While the Apple Watch has a touch-screen display, this display is not a Touch ID sensor, and therefore will not accept your fingerprint.

4. Use your watch for Apple Pay

With your watch unlocked, you can now use tap-to-pay at qualified vendor terminals. At the transaction terminal, double-click the button on the side of the watch next to the jog-dial crown, and then choose your desired payment card (your phone’s default card will be the default one displayed on your watch). Then hold your watch to the terminal, and if prompted, preferably choose Credit as the option for payment. When accepted, your watch will pulse slightly as a confirmation of the transaction.

5. Do not remove your Apple Watch

The Apple Watch will remain unlocked for continuous transaction use, provided it is not removed from your wrist. If you take it off (or if it is otherwise removed), then it will lock and require you to supply your password or use a Touch ID again, in order to work. While only a slight inconvenience for those with iPhones in their pockets, if you have left your iPhone at home or elsewhere, then you will have to wait to locate it again, before you can unlock your watch.

One thought on “How to set up and use Apple Pay with an Apple Watch

  1. Ian Weir

    Looking for a way to delete these annoying apps that Apple figures I need on the iPhone. I don’t and want to delete them. They would include Apple Watch, Podcasts, iBooks, Health, Passbook, Game Centre, Newsstand and Stocks.


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