How To Use Apple Pay On An Iphone 8 Plus: The Complete Guide

In today’s fast-paced world, mobile payments like Apple Pay offer a convenient way to make purchases quickly and securely using your iPhone. With Apple Pay, you can leave your wallet at home and pay with your iPhone 8 Plus at participating stores.

If you’re short on time, here’s a quick answer to your question: to set up Apple Pay on your iPhone 8 Plus, go to Settings > Wallet & Apple Pay, and add your credit or debit cards by scanning them or entering the details manually.

Then authenticate with Face ID and you’re all set to pay by just double-clicking the side button and holding your phone near the contactless reader.

In this comprehensive guide, we’ll go over everything you need to know to use Apple Pay on your iPhone 8 Plus, including setting up cards, making purchases in stores, using it in apps and on the web, and customizing your Apple Pay settings for an optimal user experience.

Setting Up Apple Pay on iPhone 8 Plus

Apple Pay is a convenient and secure way to make payments using your iPhone 8 Plus. Setting up Apple Pay on your device is a quick and straightforward process. Follow the steps below to get started:

Adding Credit and Debit Cards

The first step to using Apple Pay is to add your credit and debit cards to your iPhone 8 Plus. Here’s how:

  1. Open the Wallet app on your iPhone 8 Plus.
  2. Tap on the “+” button to add a new card.
  3. You can choose to add a card by manually entering the card details or by using the camera to scan the card.
  4. Follow the prompts to verify your card with your bank.
  5. Once your card is verified, it will be added to your Wallet app.

It’s important to note that not all banks and credit card providers support Apple Pay. You can visit to check if your bank is compatible.

Authenticating with Face ID

If you have an iPhone 8 Plus, you can use Face ID to authenticate your payments with Apple Pay. Face ID is a facial recognition technology that scans your face to unlock your device and authorize transactions. Here’s how to set it up:

  1. Go to “Settings” on your iPhone 8 Plus.
  2. Tap on “Face ID & Passcode”.
  3. Follow the prompts to set up Face ID by scanning your face.
  4. Once Face ID is set up, you can use it to authenticate your payments with Apple Pay.

Face ID adds an extra layer of security to your transactions, ensuring that only you can authorize payments using your iPhone 8 Plus.

Now that you have set up Apple Pay and added your cards, you can start using your iPhone 8 Plus to make payments at participating stores, online, and within apps. Simply hold your device near the payment terminal and authenticate using Face ID to complete your transaction.

Making Purchases with Apple Pay In Stores

Apple Pay has revolutionized the way we make payments, allowing us to make purchases with just a tap of our iPhone 8 Plus. Here’s a complete guide on how to use Apple Pay in stores.

How to Pay at Participating Retailers

Paying with Apple Pay at participating retailers is a breeze. Simply follow these steps:

  1. Look for the contactless payment symbol at the checkout counter.
  2. Hold your iPhone 8 Plus near the payment terminal, with your finger on the Touch ID sensor or use Face ID to authenticate your payment.
  3. Wait for a vibration or beep, indicating that your payment has been successfully processed.

It’s important to note that not all retailers accept Apple Pay. However, the number of participating stores is constantly growing. To find out if a store near you accepts Apple Pay, you can visit the Apple Pay website or use the Apple Wallet app on your iPhone.

What to Do If a Store Doesn’t Accept Apple Pay

If you find yourself in a store that doesn’t accept Apple Pay, don’t worry! There are still options available to make your purchase. Here’s what you can do:

  • Use your physical credit or debit card to make the payment.
  • Look for alternative mobile payment options like Google Pay or Samsung Pay, if your device supports them.
  • Consider using contactless payment methods like tap-to-pay cards or wearable devices.

Remember, Apple Pay is not yet universally accepted, but its availability is expanding rapidly. As more and more retailers adopt this convenient payment method, using Apple Pay will become even easier and more widespread.

Using Apple Pay Within Apps and Websites

Apple Pay has revolutionized the way we make payments, not only in physical stores but also within apps and websites. With just a few taps on your iPhone 8 Plus, you can securely make purchases without the need to enter your credit card details every time.

Let’s explore how you can use Apple Pay within apps and websites.

Paying with Apple Pay on iOS Apps

Many iOS apps now offer the option to pay using Apple Pay, making the checkout process quick, convenient, and secure. When you’re ready to make a purchase, simply select the Apple Pay option at checkout.

You’ll then need to authenticate the payment using either Face ID or Touch ID, depending on the capabilities of your iPhone 8 Plus. Once authenticated, the payment will be processed, and you’ll receive a confirmation message. It’s that simple!

Using Apple Pay within apps is not only seamless but also offers an added layer of security. Since your credit card details are not shared with the app, you can have peace of mind knowing that your financial information is protected.

Using Apple Pay on macOS and Safari

Apple Pay is not limited to iOS devices; you can also use it on your Mac and within Safari. When shopping online, look for the Apple Pay button at checkout. By selecting this option, you can complete your purchase using the credit cards you have stored in your Wallet app on your iPhone 8 Plus.

Using Apple Pay on macOS and Safari offers the same level of security as on iOS devices. Your credit card details are not shared with the website, reducing the risk of your information being compromised.

Additionally, the convenience of not having to enter your card details manually saves you time and effort.

It’s worth noting that not all websites and apps support Apple Pay, so you may not always see the option available. However, as the popularity of Apple Pay continues to grow, more and more businesses are embracing this payment method to provide their customers with a seamless and secure checkout experience.

For more information on using Apple Pay within apps and websites, you can visit the official Apple Pay website at There, you’ll find detailed guides and resources to help you make the most out of this convenient payment method.

Customizing Your Apple Pay Experience

Changing Your Default Card

One of the first things you’ll want to do when setting up Apple Pay on your iPhone 8 Plus is to customize your default card. This is the card that will be used by default whenever you make a payment with Apple Pay.

To change your default card, simply open the Wallet app, tap on the card you want to make your default, and then tap on “Set as Default Card.”

Adding Cards from a New Bank

If you want to add cards from a new bank to your Apple Pay, it’s a simple process. Open the Wallet app, tap on the “+” button, and follow the on-screen instructions to add your card. In most cases, you’ll need to enter your card details manually or use your iPhone’s camera to scan your card.

Once your card is added, you can easily switch between your different cards when making payments.

Managing Your Billing and Shipping Addresses

Apple Pay allows you to store and manage multiple billing and shipping addresses, making it convenient for online purchases. To add or edit your addresses, go to the Settings app on your iPhone 8 Plus, tap on “Wallet & Apple Pay,” and then select “Billing & Shipping.”

From there, you can add, edit, or delete your addresses as needed. This feature is especially useful if you frequently ship items to different locations or have multiple credit cards associated with different billing addresses.

Using Express Transit and Student ID

Express Transit and Student ID are two additional features that can enhance your Apple Pay experience. Express Transit allows you to use your iPhone to pay for public transportation without needing to authenticate with Face ID or Touch ID.

This feature is currently available in select cities and transit systems. Student ID, on the other hand, allows eligible students to add their student ID cards to Apple Wallet for easy access and use on campus. This feature is supported by a growing number of colleges and universities.

By customizing your Apple Pay experience on your iPhone 8 Plus, you can make your payments more convenient and tailored to your preferences. Whether it’s changing your default card, adding cards from a new bank, managing your billing and shipping addresses, or taking advantage of Express Transit and Student ID, Apple Pay offers a range of options to suit your needs.


Apple Pay makes completing purchases on your iPhone 8 Plus fast, easy and secure. With just a quick double-click and holding your phone near contactless readers, you can leave your physical wallet behind.

Customizing your cards, billing info and Apple Pay settings ensures the smoothest payment experience.

We covered all the key steps from initial setup to customizing Apple Pay and using it in various scenarios. Whether you’re grabbing your morning coffee or shopping online, Apple Pay on your iPhone 8 Plus offers the most convenient mobile payment solution for your busy lifestyle.

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