how to pay with phone at store: Tech how-to: Pay using your phone at stores instead of your credit card

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how to pay with phone at store

If Google Pay doesn’t start, try repositioning the phone until it does. You might also want to confirm with the cashier that the terminal actually does support Google Pay — some older terminals don’t have contactless payments. Position the back of your phone close to the payment terminal for a few seconds. If the terminal has a wireless or contactless payment symbol on it, try putting the phone near that logo. Once you’ve set up your Digital Wallet and have selected your default payment method, all you need to do is learn how to pay. You’ve probably seen a Digital Wallet in action, or have the app on your phone, but do you know how to use it?

  • Zelle is another major name, which has deep ties with many of the biggest banks in the country.
  • Entering your passcode authenticates your payment, so all you need to do next is hold your phone within about an inch of the card reader to process the transaction.
  • Now it comes pre-installed on all of Apple’s mobile hardware, including the Apple Watch and the iPhone.
  • Bank of America and/or its affiliates, and Khan Academy, assume no liability for any loss or damage resulting from one’s reliance on the material provided.
  • If you own both an Apple Watch and an iPhone, you can set up Apple Pay to work on your wrist.

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Forget your wallet: It’s time to start paying for everything with your phone.

To do this in a physical store, you can use any contactless terminal. At checkout, unlock your phone with a passcode, Touch ID, or Face ID, and tap your Apple device on the terminal to pay. Before using Apple Pay as your contactless payment form, you need to set it up by adding your credit or debit cards to your iPhone. You can set up Apple Pay from your iPhone’s settings or simply by going to the Wallet app and adding your cards there. Google Pay lets you set a default credit card to use when making payments. If you want to pay with a different card, open your Google Pay app and swipe through your available cards until you find the one you want to use.

And learning how to use Apple Pay is likely much simpler than you think. You can use Apple Pay to pay online in Safari2,3 or within apps when you see Apple Pay as a payment option. You can also easily send money to others using the Google Pay mobile app. For more information, check out our article, “How to send money through Google Pay using your iPhone or Android.”

You’ll be asked to authenticate your purchase with a fingerprint, retina scan or PIN. Then, you can hold your device to the reader to complete your transaction. When the app requests you set up a card, follow the onscreen instructions.

If you want to get an upgrade from old cash and cards but you’re unfamiliar with app-based payments, know that it’s safe and easier to get set up than you might think. In fact, you probably have most of what you’ll need already installed on your phone. You can use Apple Pay with an iPhone or Apple Watch at checkout wherever there is a payment terminal with NFC. Most retailers have them at the checkout counter, with some exceptions.

Once you have the app set up, all you need to do is enable NFC — or “near-field communications” — on your phone. This is what lets it connect to credit card readers in stores. At Bankrate we strive to help you make smarter financial decisions.

how to pay with phone at store

These so-called “contactless payments” also let you swipe a wearable device, like an Apple Watch, over a card reader instead of swiping a physical card or using cash. When done properly, there’s no need to touch any other surface than your own device, which makes it much safer during times like a pandemic. If you have an Android phone and want to use Google Pay, begin by adding at least one credit card to the Google Pay app. Use the app to take a photo of your credit card or enter the information manually. Allow your bank or credit card issuer to verify your card, and you’ll be ready to begin making payments.

Can I use Apple Pay online?

Once you’ve tapped on a card from your iPhone’s Wallet, you’ll be prompted to enter your passcode or use Face ID to authorize and pay for your purchase using Apple Pay. To have your rewards card appear automatically when you’re in the store, tap on the card, tap Pass Details, then turn on Automatic Selection. Make sure that “NFC and payment” is turned on by swiping the button to the right.

Then, hold your phone over the credit card reader to make the payment. Google Pay should also work with any terminal or checkout that supports contactless payments. In the store, make sure your phone is unlocked, tap it against the terminal for a few seconds, and wait for the green light. Again, just like Apple Pay, the system will send an authorized token rather than your actual card details. Now it comes pre-installed on all of Apple’s mobile hardware, including the Apple Watch and the iPhone.

Just note that although Google Pay is available on iPhones, you can only use it for in-store purchases on an Android. He doesn’t get much spare time, but when he does he spends it watching obscure movies and taking long walks in the countryside. This material may not be published, broadcast, rewritten, or redistributed. Quotes displayed in real-time or delayed by at least 15 minutes. If you are an Apple user, you also have a built-in video chat app called FaceTime. This simple app makes it easy to reach out to several family members and friends at the same time.

But it’s not possible to do the same with your smartphone. If someone stole your phone, the robber would still need your passcode, fingerprint, or face to complete a payment, so if your phone is locked, so is your money. These programs can link to either a card or bank account and can instantly send money to a recipient using their email address or phone number. Tap or click here to see how each P2P cash app compares.

how to pay with phone at store

With your Apple Cash, credit, and debit cards stored in the Wallet app  on iPhone, you can use Apple Pay for secure, contactless payments in stores, restaurants, and more. If you’ve got a Samsung phone, you’ll want to set up Samsung Pay. Open the app, tap “Get Started,” and create a unique PIN. Then follow the instructions to add credit cards to Samsung Pay. If you link a bank account, or debit or credit card to your PayPal, or accumulate a PayPal balance, you can pay other users for free. To set up Apple Pay on an iPhone, open Settings, then choose Wallet & Apple Pay.

From Better Money Habits

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that. Once you’ve added the card, your bank or card issuer will verify the card. From there, you can begin using the verified credit card on Apple Pay. Bankrate follows a strict

editorial policy, so you can trust that our content is honest and accurate.

Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. To add the same card or cards to your Apple Watch, use the Watch app. Go to the My Watch tab and tap on the Wallet & Apple Pay option. This will give your wearable the same power as your actual card, which means you’ll be able to pay with your smartwatch even when your iPhone isn’t nearby.

how to pay with phone at store

Instead of having to dig a credit card out of your wallet, you can simply unlock your phone and hold it over the contactless credit card reader. Look for your mobile wallet’s logo or a contactless symbol (which looks like a Wi-Fi signal turned sideways) on the card reader to verify it can accept mobile payments. In the world of payment apps, Cash App (Android, iOS) is a strong contender, looking to significantly improve the way we all send money to each other. Perhaps its best feature is that the person you’re paying doesn’t need their own Cash App account—you can use the app to pay anyone whose email address you know. The platform also lets you link debit cards for free but adds a 3 percent charge for linked credit cards. To make Google Pay payments from your phone, simply unlock your phone and hold it over the contactless credit card reader.

Once you’re set-up, all you’ll need to do is unlock your phone and hold it near a compatible reader to pay. You won’t need to open the app and you’ll know your payment was successful when you see a blue checkmark on the screen. Using Apple Pay or Google Pay at checkout is more secure than swiping or inserting your card. Apple Pay works by ensuring your credit or debit card number and information is encrypted and never shared with the merchant when you check out. A new code is created each time you pay somewhere that accepts Apple Pay, making your financial data safer from being cloned or stolen.

How to link your PayPal account to your Google Pay account on an iPhone or Android

Apple makes no representations regarding third-party website accuracy or reliability. With your iPhone or Apple Watch, you can use Apple Pay in stores, restaurants, gas stations, taxis, or wherever else you see one of these symbols1.

  • Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.
  • We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
  • If you’ve got a Samsung phone, you’ll want to set up Samsung Pay.
  • Apple will then make contact with the card issuer to verify your payment information is valid, and you’ll be ready to use Apple Pay once this step is completed.
  • Our experts have been helping you master your money for over four decades.

If you’re using a WearOS watch, you’ll need to install the Google Pay app on your phone, then use the watch interface to select one of the cards you’ve set up. From the Wallet app, tap on the + (plus) sign at the top right of your screen to add a card. Then, choose the type of card you’re adding; if it’s a payment method, select Debit or Credit Card.

Where can I use Apple Pay?

As we mentioned with Apple Pay, we recommend using a credit card over a debit card to prevent unnecessary contact with PIN pads. If you own both an Apple Watch and an iPhone, you can set up Apple Pay to work on your wrist. This means you’ll never have to whip your phone out when the time comes to pay, which will help keep the germs off your screen. If you’re setting up the service for the first time, open the Settings app to begin. Apple Cash is a digital card in your Apple Wallet that you can use to send or receive money through the Messages app. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions.

Select the card you’ve configured for Apple Pay to continue. As with Apple Watch on the iPhone, we recommend using a credit card so you don’t have to touch the PIN pad when the time comes to pay. Some services from Apple offer rewards, like cash back on its credit cards, which also translate into Apple Cash. To use Apple Pay online, choose Apple Pay at checkout from your iPhone or other Apple device, if it’s available. Next, you’ll be prompted to either enter your passcode or use Face ID to authorize the payment. After this, you’ll be able to check out as usual with your Apple Pay information already filled in, so you won’t need to sign in again or enter your card information.

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Once they’ve installed it, they can accept your payment and transfer it to a bank account. Just make sure you’re 100% certain on the amount and recipient before hitting send. To set it up, open the Watch app, tap My Watch and select Wallet & Apple Pay.

Mary Davis
My name is Mary Davis. I am successful broker. I want to share my experience with you through tutorials and webinars. For any questions of interest, please contact us by e-mail: [email protected]. +1 973-709-5130


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