Have you wondered what you can do with the Wallet app on your iPhone? Although it started out life called Passbook, Apple soon realized that the only sensible name was Wallet. That’s because it stores digital versions of roughly the same sort of things you might put in a physical wallet: credit and debit cards, store cards, membership cards, and even cash (well, Apple Pay Cash, anyway).
Nearly all airlines can put your boarding passes in Wallet, too, and if you buy something like a concert ticket online, you may be able to add it to Wallet by tapping the “Add to Apple Wallet” button in the confirmation page or email. Having a boarding pass or ticket, which Apple calls a pass, in Wallet makes it easy to scan for a gate attendant.
Here’s how to use cards and passes in Wallet.
Display Your Cards and Passes
The main Wallet screen shows your cards and passes in a scrollable list, with credit/debit cards at the top. (If you’ve set up Apple Pay Cash, it’s treated as a debit card.)
To view more details about a card or pass, tap it.
In the case of a credit/debit card, you see the face of the card and a list of its recent Apple Pay transactions.
For boarding passes for multi-flight trips, you see a single pass in the main list, but after you tap it, you can swipe horizontally to display the pass for each leg of the trip.
Membership cards, such as the ChargePoint card, may work like credit/debit cards in that you need to hold them near a reader to sign in.
In each case, to access settings related to the card or pass, tap the black ••• button at the upper right.
Adding and Using Credit and Debit Cards
Adding a credit/debit card so it can work with Apple Pay starts with tapping the black + button at the upper right of the Wallet screen. From there, follow the prompts—you can scan your card with the camera instead of keying in the data.
If you add more than one card, you’ll want to specify which should be the default for Apple Pay. Go to Settings > Wallet & Apple Pay. Scroll down to Transaction Defaults, and tap Default Card. Tap the desired card. In Wallet, the default card appears with its full face showing, below your other credit/debit cards.
To pay for a purchase with a stored credit/debit card at a payment terminal, put your iPhone right next to the terminal. The iPhone may automatically prompt you to authenticate Apple Pay, but if not, double-click the Home button or, with the iPhone X, XR, XS, or XS Max, double-click the side button. Wallet displays your default card. To authenticate, rest your finger on the Home button or, with the iPhone X models, authenticate with Face ID. To use a non-default card, tap the card pile at the bottom of the screen and then tap the desired card.
Adding and Using Airplane Boarding Passes and Event Tickets
For flights, when you check in and get boarding passes using the airline’s iPhone app, you’ll be given the opportunity to tap an Add to Apple Wallet button. Do that and the boarding pass appears in Wallet, which will also display a notification for it on the Lock screen in the hours before your flight. When you need to show the boarding pass to security or the gate attendant, tap that notification to display the boarding pass with its QR code.
For events, the ticket-seller may display the Add to Apple Wallet button on the confirmation page of the checkout process or attach the tickets to your email receipt. In the latter case, open the message in Mail and tap the attachment to open it, and then tap Add to put it into Wallet. Later, when you arrive at the venue, open Wallet and display the ticket—again with a QR code—to gain entry.
Deleting Cards and Passes
Although you may want to keep some digital tickets for nostalgic reasons, it’s best to clean out old items:
To delete a credit/debit card, tap the card to view it and then tap the black ••• button. Scroll down and tap Remove This Card.
To remove a pass, go to the bottom of the main Wallet screen and tap Edit Passes. Tap the red delete button for that item, tap the next Delete or Delete All button, and then tap Done at the upper right.
Using Wallet makes it easier to keep your physical wallet slimmer. It can take a few minutes to add your cards and passes initially, but it’s worth the effort.
You’re out to lunch with tech-savvy friends, one of whom picks up the check and says, “Just send me your share via Apple Pay Cash.” Say what?
Apple Pay Cash is Apple’s new person-to-person payment service, designed to make it easy for individuals to send and receive money. It’s perfect for repaying a friend who buys concert tickets or a relative who picks up some groceries for you. Or rather, it’s perfect if your friends and relatives use iPhones with iOS 11.2 or later—for green-bubble Android acquaintances, you can instead rely on cross-platform services like Venmo, Circle, and Square Cash. Here’s how to start using Apple Pay Cash.
First, if you haven’t yet enabled Apple Pay, go to Settings > Wallet & Apple Pay > Add Credit or Debit Card, and follow the prompts to add at least a debit card. You’ll also need two-factor authentication turned on in Settings > Your Name > Password & Security—regardless of Apple Pay, two-factor authentication is essential for security. With Apple Pay enabled, tap Settings > Wallet & Apple Pay > Apple Pay Cash and run through the setup process. You might also be asked to verify your identity after setup—it’s necessary to send or receive more than $500 in total.
When you’re done, you’ll end up with a new Apple Pay Cash card in the Wallet app. It’s a virtual card that stores money you receive and works like any other debit card for payments. If it doesn’t have enough money on it to cover a payment, you can choose any other debit or credit card you’ve added to Apple Pay. You can also add money to it or withdraw money to a linked bank account. You’ll want to use a debit card when adding money or paying beyond your balance with Apple Pay Cash, since then there is no transaction fee. A credit card incurs a 3% fee.
To send or request money via Apple Pay Cash, you use its Messages app, which is installed automatically. While in an iMessage thread (blue bubbles) with the person with whom you want to exchange money, make sure the app drawer is showing (tap the app button if necessary) and then tap the Apple Pay button in the drawer.
A panel appears with a dollar amount, + and – buttons, and buttons for Request and Pay. Use the + and – buttons to set the amount, or tap the dollar amount to show a keypad where you can enter an exact amount, with cents if necessary. Then tap Request or Pay to insert the transaction into the message. It won’t be sent until you tap the black send button, so if you change your mind, you can tap the little x to delete. Lastly, you’ll be prompted to verify the transaction in the usual Apple Pay fashion, which means authenticating with Face ID on the iPhone X or Touch ID on all other iPhones.
You can even use Siri to initiate transfers—“Send my mother $15.” or “Ask my sister for $4.99.” And if you have an Apple Watch with watchOS 4.2 or later, you can also send money from the Messages app, or send or request money via Siri. On the watch, double-press the side button to confirm the transaction.
Frankly, the only downside to Apple Pay Cash is that it works only within the Apple world. But as long as you want to exchange money with Apple-using friends and relatives, it’s fast, easy, reliable, and one less reason to visit the ATM.
File this as reason number 17 why Apple Pay is better than plastic. Let’s say your credit card expires and your bank sends you a new card with a revised expiration date. Or perhaps your bank replaces your card with one that has a new number. Either way, most credit card issuers automatically update the credit card expiration date and number in Apple Pay so you don’t have to make those changes yourself. (If your bank doesn’t do this, you’ll have to remove the old card and add the new one.) However, if you move or change your billing address, you’ll need to update that info yourself: in iOS, go to Settings > Wallet & Apple Pay; in macOS on a MacBook Pro with Touch ID, go to System Preferences > Wallet & Apple Pay.
When it’s an option at a cash register, Apple Pay is faster, easier, and safer than using a credit card. But accessing it from the Wallet app is way too slow! Here’s the trick to pull up Apple Pay quickly. In Settings > Wallet & Apple Pay, under “Allow Access When Locked,” enable Double-Click Home Button. Then, when you want to pay in a checkout line, double-click the Home button from the Lock screen of your iPhone to bring up Wallet instantly. If you have trouble with your thumb unlocking the iPhone instead, use another finger that isn’t registered with Touch ID, and then use your thumb to authenticate once Apple Pay comes up.
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