Site icon Techrefinz

How to Use Apple Pay on iPhone in Pakistan

How to Use Apple Pay on iPhone in Pakistan


In a world increasingly driven by digitalization, mobile payment solutions have become an integral part of our daily lives. Apple Pay, Apple’s proprietary digital wallet and mobile payment system, is no exception. This secure and convenient method of payment is available to iPhone users worldwide, including Pakistan. In this comprehensive guide, we will explore how to set up and use Apple Pay on your iPhone in Pakistan, simplifying your transactions and making your life more convenient.

Table of Contents

Understanding Apple Pay

What is Apple Pay?

Apple Pay is a mobile payment system developed by Apple Inc. It allows users to make payments using their iPhones, Apple Watches, iPads, and Mac computers. This technology enables you to securely store your credit and debit card information, making transactions as easy as a touch or a click.

How Does Apple Pay Work?

Apple Pay uses near-field communication (NFC) technology to transmit payment information between your device and the payment terminal. When you hold your iPhone near a compatible payment terminal, the transaction is processed securely, and your payment is completed with a simple confirmation.

Eligibility and Requirements

Compatible Devices

Before you can use Apple Pay, you’ll need a compatible device. In Pakistan, Apple Pay is available on the following devices:

Supported Banks and Cards

To use Apple Pay in Pakistan, you need a credit or debit card from one of the following supported banks:

Setting Up Apple Pay

Adding Cards to Apple Pay

To get started with Apple Pay, follow these steps:

Verification Process

Apple Pay adds an extra layer of security by requiring verification. You can verify your identity through fingerprint recognition (Touch ID) or facial recognition (Face ID), depending on your device.

Making Payments with Apple Pay

In-Store Payments

To make in-store payments using Apple Pay, follow these steps:

Online Payments

Using Apple Pay for online shopping is easy. When you see the Apple Pay option at the checkout on a supported website or app, select it, authenticate your payment, and you’re done.

Peer-to-Peer Payments

You can also use Apple Pay to send money to friends and family through apps like iMessage or WhatsApp. Just select the amount, verify your identity, and send the payment securely.

Security and Privacy

Apple’s Security Measures

Apple takes security seriously. When you use Apple Pay, your card details are never stored on your device or Apple’s servers. Instead, a unique device account number is used for transactions, enhancing security.

Protecting Your Data

To further protect your data, make sure to enable features like “Find My iPhone” and regularly update your device’s operating system and apps.

Troubleshooting and Tips

Common Issues

If you encounter issues with Apple Pay, such as a card not being accepted, contact your bank’s customer support for assistance.

Tips for a Smooth Experience

Advantages of Using Apple Pay


Apple Pay simplifies the payment process, allowing you to leave your wallet at home. It’s quick, easy, and efficient.

Enhanced Security

With advanced security features, Apple Pay is safer than traditional card payments, reducing the risk of fraud.

Rewards and Cashback

Many banks offer rewards and cashback for using Apple Pay, making it a lucrative choice for frequent users.

Potential Challenges

Limited Merchant Acceptance

While Apple Pay is gaining popularity, not all merchants in Pakistan accept it. Make sure to check for the Apple Pay logo before attempting a payment.

Internet Connectivity

For online payments, a stable internet connection is essential. Be mindful of this when making transactions.

Future Prospects

Expanding Apple Pay in Pakistan

As mobile payments continue to grow in popularity, more banks and merchants may join the Apple Pay ecosystem, expanding its reach in Pakistan.

Emerging Trends in Mobile Payments

Keep an eye on the evolving landscape of mobile payments, as new features and technologies are constantly being developed.


In conclusion, Apple Pay is a game-changer for how we make payments in Pakistan. Its convenience, security, and potential rewards make it a valuable addition to your digital life. By following the steps outlined in this guide, you can start using Apple Pay on your iPhone with confidence.


1. Is Apple Pay safe to use in Pakistan?

Yes, Apple Pay is secure to use in Pakistan. Apple’s advanced security measures protect your card information during transactions.

2. Can I use Apple Pay for online shopping in Pakistan?

Absolutely! Many online retailers and apps in Pakistan support Apple Pay for seamless online payments.

3. What should I do if my card isn’t supported by Apple Pay?

If your card isn’t supported, contact your bank to inquire about Apple Pay compatibility or consider getting a card from a supported bank.

4. Are there any fees for using Apple Pay in Pakistan?

Apple Pay itself doesn’t charge any fees, but your bank may have its own terms and conditions, so it’s best to check with them.

5. Can I use Apple Pay on my older iPhone?

Apple Pay is compatible with iPhone 6 and later models, so as long as you have one of these, you can use it.

Exit mobile version