Apple Pay - How It Works

Apple Pay is another convenient way to pay with your Capital on Tap Credit Card. Using the latest contactless technology, it's a simple, secure way to make everyday payments with your mobile device.

 

How it works

You can use Apple Pay wherever contactless payments are accepted with an iPhone 6/6+ and later models including the iPhone SE, or Apple Watch. Simply hold your iPhone near the contactless reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the contactless reader.

To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay, so please make sure you carry your debit and credit cards with you just in case. Some retailers will also limit individual payments to £45.

You can make in-app purchases using Apple Pay on your iPhone 6/6+ and later models including the iPhone SE, iPad with Touch ID or Apple Watch Just select Apple Pay as the payment method and double click the side button for Apple Watch or place your finger on Touch ID for iPhone/iPad.

You can also use Apple Pay to make purchases on the web using the Safari browser on your iPhone 6/6+ and later models including the iPhone SE, iPad with Touch ID or Apple Mac. Simply select the Apple Pay as the payment method and then verify either via your iPhone or Apple Watch.

 

Safe and secure

Security is a priority. Your debit or credit card number isn't shared with retailers. It's not stored on your device or on any Apple servers either. Your most recent purchases will be displayed in your Wallet app.

 

Setting up is simple

It’s easy to add your Capital on Tap Credit Card to start using Apple Pay. You will need a smartphone running iOS. The app is not compatible with some older versions of the iOS operating system – check the App Store for more details.

 

iPhone 6/6+ and later models including the iPhone SE

Open the Wallet app and then tap the plus sign in the upper-right corner. From there, simply enter your card's security code to add your debit or credit card from your iTunes account. To add different cards use your camera to enter the card information, or type it in manually.

 

Apple Watch

Open the Apple Watch app on your iPhone and tap 'Passbook/Wallet & Apple Pay'. Then tap 'Add a new Credit or Debit Card'. From there, simply enter your card's security code to add your credit or debit card from your iTunes account. To add a different card use your camera to enter the card information, or type it in manually.

 

iPad with Touch ID

Go into Settings, tap 'Wallet & Apple Pay', and tap 'Add Credit or Debit Card'. From there simply enter your card's security code to add your debit or credit card from your iTunes account. Or to add different cards use your camera to enter the card information, or type it in manually.

For security reasons, you may need to verify your card. Simply follow the prompts in the Wallet app.

 

All of the same benefits

If you're currently getting rewards with your Capital on Tap credit card, you'll still be eligible to receive these whenever you make a purchase using Apple Pay.

 

View our Privacy policy.

View Terms of Use for Apple Pay.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.