How to add a card to Apple Pay

Complete guide with multiple methods and troubleshooting for adding a card to Apple Pay.

7-10 min read
Expert Verified
Last Updated: August 2025

Quick Answer

To add a card to Apple Pay, open the Wallet app on your iPhone or iPad, tap the '+' icon, and follow the prompts to enter your card information or scan your card. Once added, you can use Apple Pay for transactions at supported merchants.

Easy⏱ 7-10 min read

Prerequisites & Requirements

Before adding a card to Apple Pay, ensure you meet the following requirements.
  • •iPhone 6 or later, or iPad Air 2 or later with iOS 8.1 or later.
  • •A valid Apple ID signed into iCloud.
  • •A supported credit or debit card from a participating bank.
  • •Internet connection (Wi-Fi or cellular).
  • •Face ID, Touch ID, or a passcode set up on your device.

Method 1: Adding a Card via the Wallet App

This is the primary method for adding a card to Apple Pay using the Wallet app on your iPhone or iPad.
  • •Step 1: Open the Wallet app on your device.
  • •Step 2: Tap the '+' icon located in the upper right corner.
  • •Step 3: Choose 'Credit or Debit Card' and tap 'Continue'.
  • •Step 4: Use the camera to scan your card or enter the details manually.
  • •Step 5: Follow the prompts to verify your card with your bank.
  • •Step 6: Once added, you should see your card in the Wallet app.
  • •Step 7: To verify, tap on the card to see the card details.
  • •Step 8: If it doesn't work, check your internet connection and ensure your card is supported.

For iOS 16 and later

iOS 16 introduced a more streamlined process for adding cards.
  • •Step 1: Open the Wallet app.
  • •Step 2: Tap the '+' icon.
  • •Step 3: Select 'Add Card' and follow the prompts.
  • •Step 4: You can now add cards using Apple ID linked cards for faster entry.

For iOS 15 and earlier

The process is similar but may have fewer features.
  • •Step 1: Open the Wallet app.
  • •Step 2: Tap the '+' icon.
  • •Step 3: Select 'Credit or Debit Card' and enter your card details manually.

Method 2: Adding a Card via Settings

This method allows you to add a card through the Settings app, which can be useful if you prefer not to use the Wallet app.
  • •Step 1: Open the Settings app on your device.
  • •Step 2: Scroll down and tap on 'Wallet & Apple Pay'.
  • •Step 3: Tap 'Add Card'.
  • •Step 4: Follow the same steps as in Method 1 to add your card.
  • •Step 5: Confirm your card with your bank if prompted.

Troubleshooting Common Issues

If you encounter issues while adding a card to Apple Pay, consider the following solutions.
  • •Error: 'Card Not Supported' - Solution: Check if your card issuer supports Apple Pay.
  • •Issue: 'Unable to Verify Card' - Fix: Ensure you have a stable internet connection and that your card details are correct.
  • •Problem: 'Card Already Added' - Workaround: If you receive this message, check the Wallet app for the card or contact your bank.

Advanced Tips & Shortcuts

Enhance your Apple Pay experience with these tips.
  • •Keyboard shortcut: Use Siri to add a card by saying, 'Add a card to Apple Pay'.
  • •Command line: Not applicable for Apple devices.
  • •Hidden feature: Enable 'Express Transit' mode for faster transactions without needing to authenticate.

Common Mistakes to Avoid

Avoid these common pitfalls:

Expert Tips

For a seamless experience, ensure your device is always updated and that you have a backup payment method available.