Using Apple Pay On The Nyc Subway: A Comprehensive Guide

Riding the subway is an essential part of living in New York City. With over 5 million daily riders, the NYC subway is the heartbeat of the city. For busy New Yorkers who are always on the go, being able to quickly and conveniently pay for subway fare is a must.

That’s where contactless payment options like Apple Pay come in handy.

If you’re short on time, here’s the quick answer: Yes, you can use Apple Pay to pay for subway fare at all 472 subway stations in New York City. Simply hold your iPhone or Apple Watch near the OMNY contactless reader to tap in and out.

OMNY Readers Accept Apple Pay

If you are a frequent NYC subway rider, you’ll be thrilled to know that OMNY readers now accept Apple Pay as a form of payment. This means that you can easily tap your iPhone or Apple Watch to pay for your subway fare, making your daily commute even more convenient.

All Turnstiles and Fare Readers Are OMNY-Enabled

Gone are the days of fumbling for your MetroCard or dealing with the frustration of a broken swipe. With the implementation of OMNY readers, all turnstiles and fare readers in the NYC subway system are now enabled for Apple Pay.

This means that you can simply tap your device and walk through the turnstile without any hassle. No more worrying about lost or expired MetroCards – Apple Pay has got you covered.

According to recent statistics, the majority of subway riders in NYC have already made the switch to using Apple Pay on the subway. The convenience and ease of use have made it a popular choice among commuters, with over 70% of riders now utilizing this contactless payment method.

No More Swiping MetroCards

One of the biggest advantages of using Apple Pay on the NYC subway is the elimination of the need to swipe MetroCards. This not only saves time but also reduces the wear and tear on fare readers, resulting in a smoother and more efficient commuting experience for everyone.

With Apple Pay, you can simply hold your device near the OMNY reader and wait for the payment to be processed. It’s quick, secure, and eliminates the need for physical cards altogether. Plus, with the added security features of Apple Pay, you can rest assured that your payment information is safe and protected.

So, the next time you’re heading to catch a train in the Big Apple, don’t forget to bring your iPhone or Apple Watch along. With OMNY readers now accepting Apple Pay, your subway commute just got a whole lot easier and more convenient!

Setting Up Apple Pay

Apple Pay is a convenient and secure way to make payments using your iPhone or Apple Watch. If you’re tired of fumbling for your MetroCard every time you enter the NYC subway, then setting up Apple Pay can be a game-changer. Here’s a step-by-step guide to help you get started.

Step 1: Check Device Compatibility

Before you can use Apple Pay on the NYC subway, make sure your device is compatible. Apple Pay is available on iPhone 6 and later models, as well as Apple Watch Series 1 and later models. If you have an older device, you may need to upgrade to take advantage of this feature.

Step 2: Add Your Credit or Debit Card

To use Apple Pay, you need to add your credit or debit card to your device. Open the Wallet app on your iPhone or Apple Watch and tap the “+” button to add a new card. You can either manually enter your card details or use the camera to scan your card.

Follow the on-screen instructions to verify your card and add it to your device.

Step 3: Set Up Apple Pay on Your Device

Once you’ve added your card, you’ll need to set up Apple Pay on your device. Go to Settings, select Wallet & Apple Pay, and tap “Add Card.” Choose your card from the list of available options and follow the prompts to complete the setup process.

You may be required to verify your identity with your card provider.

Step 4: Enable Express Transit Mode

To use Apple Pay on the NYC subway, you’ll need to enable Express Transit Mode. This allows you to make quick payments without having to authenticate each time. Open the Settings app, go to Wallet & Apple Pay, and toggle on the “Express Transit” option.

You may be asked to authenticate with Face ID, Touch ID, or your device passcode.

Note: Express Transit Mode is currently available only on the NYC subway, and not on buses or other modes of transportation.

Step 5: Start Using Apple Pay on the NYC Subway

With Apple Pay set up on your device and Express Transit Mode enabled, you’re ready to start using it on the NYC subway. Simply hold your iPhone or Apple Watch near the contactless reader to pay for your fare. You’ll feel a subtle vibration and see a checkmark on your screen to confirm the payment.

Using Apple Pay on the NYC subway is not only convenient but also secure. Your card details are never shared with merchants, ensuring your privacy and protecting you from fraud. Plus, with the added benefit of Express Transit Mode, you can breeze through the turnstiles without any hassle.

For more information and updates on using Apple Pay on the NYC subway, you can visit the official Apple Pay website or check the MTA’s OMNY (One Metro New York) website.

How to Use Apple Pay on the Subway

Apple Pay has become a convenient and secure way for people to make payments using their iPhones, and it is now available on the NYC subway. Here is a comprehensive guide on how to use Apple Pay to navigate the bustling underground system.

Tap to Enter

When you approach the subway turnstile, look for the contactless payment symbol. It is usually displayed next to the regular MetroCard reader. Simply hold your iPhone near the symbol and authenticate the payment using Face ID, Touch ID, or your passcode.

Once the payment is confirmed, the gate will open, allowing you to enter the subway station. It’s as simple as that!

Tap to Exit

Exiting the subway is just as easy. When you reach your destination and approach the turnstiles to exit, look for the contactless payment symbol once again. Tap your iPhone near the symbol, and the payment will be processed automatically. The turnstile will then open, granting you access to the exit.

No need to fumble for your MetroCard or worry about having enough funds on it.

Using Apple Pay on the NYC subway offers several advantages. Firstly, it eliminates the need to carry a physical MetroCard, making your daily commute more convenient. Additionally, Apple Pay transactions are secure and encrypted, providing an extra layer of protection for your financial information.

It’s worth noting that not all subway stations currently support Apple Pay, so it’s a good idea to check the MTA website or use the official MTA app to see if your desired station is compatible. The MTA website,, provides a list of stations where Apple Pay is accepted.

So, next time you are navigating the NYC subway, leave your MetroCard at home and give Apple Pay a try. It’s a convenient and hassle-free way to pay for your ride!

Tips for Using Apple Pay on the Subway

Have Battery Life

One of the most important tips for using Apple Pay on the subway is to ensure that your iPhone or Apple Watch has enough battery life. Imagine being at the turnstile, ready to tap and go, only to find that your device is out of power.

To avoid this frustrating situation, make sure to charge your device before heading out and consider carrying a portable charger with you. This way, you can use Apple Pay without any interruptions and breeze through the subway gates with ease.

Use Express Transit

When using Apple Pay on the subway, take advantage of the Express Transit feature available on your iPhone or Apple Watch. Express Transit allows you to quickly tap and pay without needing to wake up your device or authenticate with Face ID or Touch ID.

This feature makes your commute faster and more convenient, especially during rush hour when every second counts. To enable Express Transit, go to the Wallet & Apple Pay settings on your device and select your transit card.

Check Your Balance

Before using Apple Pay on the subway, it’s essential to check your balance to ensure you have enough funds to cover your fare. You can easily do this by checking the balance on your transit card in the Wallet app on your iPhone or by visiting the official website of your transit agency.

By keeping track of your balance, you can avoid any embarrassing situations where your payment is declined at the turnstile. It’s always better to be prepared and have sufficient funds loaded onto your transit card.

Future Improvements

As technology continues to evolve, the future of using Apple Pay on the NYC Subway looks promising. The Metropolitan Transportation Authority (MTA) is constantly working on improving the user experience and making the payment process even more convenient.

Here are a couple of future improvements to look forward to:

OMNY Mobile App

The MTA has plans to launch the OMNY (One Metro New York) mobile app, which will serve as a comprehensive digital platform for all transit-related tasks. This app will not only allow you to use Apple Pay to pay for your subway fare but also provide real-time information on train schedules, service changes, and delays.

With the OMNY app, you’ll be able to easily plan your commute and navigate the subway system with ease. This innovative app aims to streamline the entire transit experience and make it more user-friendly for all New Yorkers.

Fare Capping

Another exciting improvement on the horizon is the implementation of fare capping. Fare capping is a system that automatically calculates your travel expenses throughout the day and stops charging you once you reach the cost of a daily or weekly pass.

This means that if you frequently use the subway, you won’t have to worry about spending more than the cost of a weekly pass, even if you’re taking multiple trips in a day. Fare capping will not only save you money but also simplify the payment process, as you won’t have to worry about purchasing individual fares each time you ride the subway.

The MTA is currently working on integrating this feature into their payment systems, and it is expected to be available in the near future.

With these future improvements, using Apple Pay on the NYC Subway will become even more convenient and user-friendly. The OMNY mobile app will serve as a one-stop solution for all your transit needs, while fare capping will ensure that you never pay more than necessary.

Stay tuned for updates on these exciting developments!


Apple Pay and OMNY contactless payments are bringing the New York City subway into the 21st century. By providing a fast, easy, and secure way to pay for subway rides, Apple Pay is helping to improve the transportation experience for millions of busy commuters.

With future enhancements like mobile ticketing and fare capping on the horizon, riding the rails will only get more convenient. Apple Pay on the NYC subway is a win for riders and a model for transit systems worldwide.

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