Apple Pay: know what it is and how to use it in Brazil and abroad

Apple Pay: know what it is and how to use it in Brazil and abroad

After a long and a half years of waiting, finally the Apple Pay arrives in Brazil, to the delight of iPhone and Apple Watch users.

So we made a complete article explaining all the details of this novelty and teaching you how to use it.



What is Apple Pay?

In September 2014, Tim Cook announced to the world a new payment system that allowed us to virtually link our credit card to the iPhone and thus be able to make purchases just by bringing the device closer to the card machine (via NFC). The so-called Apple Pay promised to bring security and convenience when paying.

Security is done via biometric authentication, that is, with the fingerprint validation of the iPhone owner (through Touch ID) or face (Face ID). This makes it impossible for anyone else to activate payments even with their iPhone. It is one of the safest methods of payment by approximation.

This system now works in Brazil. At the time of writing, there are only 20 countries that have Apple Pay:

  • Brazil
  • Australia
  • Canada
  • China
  • Denmark
  • United Arab Emirates
  • Spain
  • United States
  • Finland
  • France
  • Hong Kong
  • Ireland
  • Japan
  • New Zealand
  • United Kingdom
  • Russia
  • Singapore
  • Sweden
  • Switzerland
  • Taiwan

And even in these, few banks are compatible with the service.


Who can use it?

Not all cards accept Apple’s payment system, only those that are affiliated with the service. In addition, you must also have a compatible device.

Brazilian cards compatible with Apple Pay

  • Itaucard Visa
  • Itaucard Mastercard
  • Credicard Visa
  • Credicard Mastercard
  • Ourocard Visa (debit and credit)
  • Bradesco Visa
  • Poupcard Visa (debit)

Remember that cards from other countries that are already included in Apple Pay work perfectly in Brazil. And vice versa, your Brazilian Apple Pay cards will also work in any country that accepts approach payments (NFC). It’s like using the plastic card.

Apple Pay compatible iPhones

For physical store payments using NFC:

  • iPhone X (and later)
  • iPhone 8 and 8 Plus
  • iPhone 7 and 7 Plus
  • iPhone 6s and 6s Plus
  • iPhone 6 and 6 Plus
  • iPhone SE
  • Apple Watch (any model)

On other devices, you can make purchases only on websites and applications that offer this option. The compatible models are:

  • iPad (6th generation)
  • iPad (5th generation)
  • iPad Pro (any model)
  • iPad Air 2 and 3
  • iPad mini 3, 4 and 5
  • MacBook Pro (with Touch ID)

How to add a card

To add your credit card, you need to open the Wallet app on the iPhone.

Then tap the blue button with + to add your card.

Then just scan the physical card or enter all the information manually. See the video:

. You can also add the card through the bank or card application, in the specific menu for that.


How to make a payment

With a credit card registered on the iPhone it is possible to make payments by approximation in any machine that has one of the symbols below:

And you can use it anywhere in the world (even when traveling abroad). In Brazil, most of the card machines in business in large cities already have the second symbol, being perfectly compatible with Apple Pay.

In stores and shops, you can pay using your iPhone or your Apple Watch. Here’s how it works:


iPhone with Touch ID

Have the seller enter the amount due normally in the machine, as if to insert the card. Touch (without pressing) the Touch ID and keep your finger there. Move the device close to the machine and you’re done. You don’t even have to unlock the screen, just take your iPhone out of your pocket / bag and do the procedure.


iPhone with Face ID

Have the seller first enter the amount due normally in the machine, before inserting the card. Double-tap the side button on the iPhone X and look at the screen until your face is valid. Then, bring the device closer to the card machine.

We are a family owned and operated business.We are a family owned and operated business.


Paying with Apple Watch

Double-tap the side button on the Apple Watch until the registered card appears. Move the clock closer to the card and you will hear a sound when payment is made.


How to switch cards

If you have more than one registered card, you can choose which one to use by tapping the card before approaching the device to the machine.

to exchange Card - Apple Pay

See more details on the different ways of working with multiple cards in this other article.


You can also perform internet shopping, on websites or apps that offer the option to pay with Apple Pay. To do this, you need to have a card registered in the system, as well as using a compatible device (as explained at the beginning of this article).

At the time of payment, you will have to validate with your fingerprint or your face (in the case of iPhone X), in a very similar way to how you already pay for apps on the App Store. See in this other article a list of some compatible applications that already accept payments by Apple Pay.


Check out more Apple Pay tips through these links: