The Apple Pay Experience

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Easier and faster than cash or cards—so you can spend less time at the register.

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Apple Pay never shares your actual card number when you check out.

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Pay in stores, in apps and online with your iPhone, iPad and Mac or Apple Watch.

Setting up and Using Apple Pay

Setting up Apple Pay on an iPhone

Step 1

Getting started

Make sure you have the most up-to-date version of the Capital One Mobile app installed on your iOS device, then text APPLEPAY to 80101. Message and data rates may apply.

Setting up Apple Pay on an iPhone

Step 2

Setting up your card

Follow the instructions on your device to add your Capital One card to your Apple Wallet™ and set it as your default card.

Paying with Apple Pay on an iPhone

Step 3

Using Apple Pay

Once your card is added, you can use Apple Pay on your iPhone to pay in stores, in apps, and online anywhere you see the Apple Pay or contactless symbols.

Frequently Asked Questions

Using Apple Pay is simple, and it works with most devices you use every day. Your actual card number is protected with it because it’s not stored on your device or shared with merchants when you pay. 

  • Pay in stores: To pay with Face ID, double-click the side button, glance at your screen, then hold the iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On the Apple Watch, double-click the side button and hold the watch up to the reader. 
  • Pay in apps and on websites: To pay in apps and on websites in Safari on your iPhone and iPad, select Apple Pay at checkout and complete payment using Face ID or Touch ID. To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.

Apple Pay is currently available for most Capital One credit and debit cards. It is not available for all of our partner cards.

Apple Pay is an easy, safe way to pay in stores, in apps, and on the web with your iPhone, Apple Watch, iPad, and Mac. You can use Apple Pay wherever you see the Apple Pay or contactless symbols.

Within apps and on the web in Safari, look for the “Buy with Apple Pay” button or Apple Pay as a payment method.

When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card information is never shared when completing transactions and is protected by the privacy passcodes in place for all of your devices’ payment methods.

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