Apple Pay is offered through Apple on the iPhone and Apple Watch and allows cardholders to add their eligible bank credit or debit cards to their phone to pay at participating retailers. When the card is added to your iPhone or Apple Watch, the card number is converted to a unique Device Account Number. When you make a purchase, by holding your phone above the payment terminal and holding your finger on the Touch ID, the merchant is passed this Device Account Number instead of your card information, making the payment more secure since they will not have all your card information. You will need to have Touch ID set up to read your fingerprint to use Apple Pay. If you do not have that setup, go to Settings, Touch ID, and Passcode to set up your fingerprint ID.
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