Set up Apple Pay

For iPhone owners. Apple Pay lets you complete any web checkout that supports it in about five seconds with Face ID or Touch ID, without ever typing your card number.

What you'll need

• An iPhone running iOS 16 or later (anything from 2016 onward works).
• A debit or credit card from a Canadian bank that supports Apple Pay (all major banks and most credit unions do).
• Your bank's mobile app installed and signed in, or your card's CVV and a way to receive an SMS / email verification code from your bank.

Add a card to Apple Wallet

1. Open the Wallet app on your iPhone (it's installed by default; the icon looks like a stack of cards).
2. Tap the + button in the top-right corner.
3. Choose Debit or Credit Card.
4. Tap Continue, then either point your camera at your physical card to scan it, or tap Enter Card Details Manually and type the card number, expiry, and your name.
5. Enter the security code (CVV) from the back of your card.
6. Read and accept the terms.
7. Your bank will verify the card. Most banks offer two options:
   • One-tap from the bank app: if you have your bank's mobile app, it may show an Apple Pay verification prompt — just tap approve.
   • Code by SMS or email: your bank sends a short code; type it back into the Wallet app to finish.
8. Done. Your card now appears in Wallet.

Use Apple Pay at any web checkout

Once a card is in Wallet, any Safari (or some Chrome) checkout that supports Apple Pay will show a black Pay button. To complete a purchase:

1. Tap the Apple Pay button on the checkout page.
2. The phone shows a payment sheet with your default card, billing address, and shipping if relevant. Review.
3. Authorize: double-tap the side button (Face ID phones) or rest your finger on the Home button (Touch ID phones). Confirm with Face ID or Touch ID.
4. The transaction completes. You'll get a notification and the checkout page will move on.

Common issues

The Apple Pay button doesn't appear on a checkout I expected

Apple Pay only appears when (a) you're using Safari (or Chrome on iOS, which also supports it), and (b) the merchant has wired Apple Pay into their checkout. Manifold services use Stripe Checkout, which shows Apple Pay automatically when your device supports it.

"Card not added" or verification fails

This is almost always a bank-side check, not Apple's. Open your bank's mobile app, check whether they require you to approve the Apple Pay enrollment there, and try again. If your bank doesn't have an app, request a verification code by SMS or call the number on the back of your card.

Apple Pay says "Not Accepted" when I tap pay

Usually means the merchant requires a card type your wallet doesn't have (e.g., they only accept Visa and you only have a Mastercard in Wallet), or your card has temporarily been blocked by your bank. Try a different card in Wallet, or contact your bank.

Removing a card

Open Wallet, tap the card, tap the ... button, then Remove Card. This only removes Apple's local token — your actual card and bank account aren't affected.

How private is this?

Apple Pay doesn't send your real card number to the merchant. The merchant receives a one-time token (a "Device Account Number") that's useless to anyone else. Apple itself also doesn't see or store your transactions in a way that's tied to your identity. This is meaningfully more private than typing your card into a web form.