This token is a virtual number to represent your VISA, MasterCard, or Client Card without using the actual number. Under Settings > Touch ID & Passcode if you turn off Touch ID for Apple Pay I presume you need to use the device passcode. It also gets rid of always remembering to carry around the card. From the section How secure is Apple Pay it states: Every transaction on your iPhone, iPad, or Mac requires you to authenticate with Touch ID or your passcode. With Apple Pay, you can use your phone to pay easily at major retailers. Set up Apple Pay on an older Mac. All with Apple Pay. Sometimes Apple requires a payment method in the set-up stage that you can later remove. Image via MacRumors. If you need to change or delete Apple Pay cards, you can do so at any time in the System Preferences app. All they have to do is set up Apple Pay and link it with the app on their iPhone which can be found in their Wallet App. The requirements for setting up and using Apple Pay Cash include having an eligible debit or credit card within Wallet, as detailed here: Set up Apple Pay Cash and person to person payments - Apple … You can also transfer your Apple Cash balance to your bank account. You can also request a physical credit card to use with merchants that don't accept Apple Pay. tt2 When you add your debit or credit cards to Apple Pay the number from the plastic card(s) is replaced with a secure digital number also called a token. Display the Apple Pay symbol on your point-of-sale terminal. Unlike other credit cards, with Apple Card the only way to pay the bill is through the Wallet app on your iPhone (at least for now). This can give parents reassurance that payments by smartphone are entirely private. Accepting Apple Pay is easy. Apple Pay is a new feature introduced with iOS 8 for iPhone 6 and iPhone 6+ devices. If you already accept eligible credit and debit cards, simply contact your payment provider to start accepting Apple Pay. With Apple's first credit card, you can buy items through your iPhone using the card with Apple Pay. Ask the payment provider to enable the terminal to accept Apple Pay. 2 You can start using the cash right away with Apple Pay in stores, in apps, and on the web. Ever since iOS 11.2 was released, we have found that many folks are getting stuck with pending Apple pay setup messages on their iPhone. Apple Pay is easy to set up and gives your customers a simple and secure way to pay with the devices they use every day. To set-up a new Apple ID without a payment method, make sure you sign out of all services, including App Store, iTunes Store, Apple Books, and iCloud with any existing Apple ID. When you receive money, including Daily Cash from purchases you make using Apple Card, it’s added to your Apple Cash card that lives in the Wallet app. How to set up Apple Pay to make payments. If in doubt regarding the status of your Chase cards in Apple Pay, please contact Chase by using the number on the back of your card. Once you download the new iOS update and start installing the software, it wants you to set up Apple Pay to complete the setup. See About Apple Pay - Apple Support. Launch the Settings app. If you're using an older Mac, you'll need to use your iPhone or Apple Watch's stored cards to pay for goods and services. Tap Wallet & Apple Pay. You can use a debit card or PayPal account too. 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