Apple Pay is Apple’s NFC technology, allowing users to make contactless payments through their devices. The benefits of using Apple Pay are numerous. The numbers speak for themselves—there were over 507 million Apple Pay users worldwide as of 2021.

If you still aren’t using Apple Pay on your iPhone or Apple Watch—it’s time to start. We’ve covered different reasons to start using Apple Pay below.

11. You’ll Always Have Your Cards on You

The primary benefit of using Apple Pay is that you can store your debit or credit cards in the Apple Wallet for purchases. You don’t need to take your physical cards out of your pocket, and can make a payment directly from your iPhone.

If you like to keep your pockets empty, this can be really helpful. For instance, you may be going for a run and want to keep minimal stuff on you. You can leave your house without a physical card, and still be able to get a coffee on the way back using Apple Pay on your iPhone or Apple Watch.

10. Your Details Are Safe

Some people are still skeptical about Apple Pay and whether it’s safe or not. Don’t worry—it’s as safe as it could be. Each transaction you make using Apple Pay is authenticated first using Face ID or Touch ID, which ensures that it’s you making the payment and not someone else. Thus, you don’t need to worry about someone else using your device to spend your money.

Similarly, Apple Pay doesn’t require a credit card to be present, which means the risk of your card number being stolen is smaller. In addition, Apple doesn’t use a credit card number to make the purchase, but rather a token called the “Device Account Number” to complete the transaction. This further reduces the likelihood of stolen credit card information.

Even in the case that you lose your device, or it gets stolen, you can remotely disable Apple Pay from the Find My website in any web browser. We’ve also written an in-depth article regarding the security of Apple Pay, which goes into the details of how the system works, reiterating its safety.

9. There’s No Contactless Limit

A huge benefit of Apple Pay is that there is no limit to the size payments you can make. This is better than the conventional contactless payment using a credit or debit card, which usually has a transactional limit ($200 in the US).

Apple Pay doesn’t have a contactless limit, which means you don’t have to worry about expensive payments. However, some retailers may add their own limits to transactions depending on legal and company requirements.

8. Apple Pay Is Available on Multiple Devices

The most common device that Apple Pay is used on is the iPhone. This makes sense, since most people have their iPhones on them all the time, and can use them easily to make payments.

However, Apple Pay is also available on the Mac, Apple Watch, and iPad. So, in the event that you leave your iPhone at home, you can also make a contactless payment using your Apple Watch. Similarly, having Apple Pay set up on your iPad or Mac can make online transactions much easier.

7. You Can Send Money to Friends and Family

An additional benefit is that you can also use Apple Pay to send money to friends and family. If you’re residing in the US and have a card set up, you can send money to people you know through the Messages app. This saves you the hassle of setting up a contact in your banking app and then transferring the money; it’s much easier with Apple Pay and Apple Cash.

6. You Don’t Need to Worry if You Forget Your Pin

A big drawback of owning and using multiple cards is the risk of confusing or forgetting a card pin, which can lead to the particular card being blocked by the bank.

Since Apple Pay uses a device account number and Face or Touch ID instead of the normal card number to make the transaction, you aren’t normally required to enter your pin whenever you want to make a payment, no matter how big the transaction might be. This is helpful as you don’t need to worry about entering the correct pin for each transaction.

5. You Can Use It on Transit Systems

Apple Pay allows you to use your iPhone or Apple Watch on public transport using its Express Transit System feature. Express Transit System allows you to pay for transport systems without authenticating the payment using Face ID or Touch ID as you normally would. This saves time when tapping in or out of transit gates, leaving the long queues behind you.

4. Apple Pay Makes Online Purchases a Breeze

Most retailers are now integrating Apple Pay into their websites. This allows you to pay online directly with Apple Pay rather than entering the traditional details, such as your card number, expiry date, security code, address and so on.

This saves a lot of time and effort, and makes payments so much easier with online purchases! Since this payment also uses the device account number, you don’t need to worry about your card details being captured or leaked online.

3. It Keeps Track of All Your Payments

Another benefit of using Apple Pay is that it tracks all your payments in your Wallet app. This is really useful if you need to calculate your spending at the end of the month. You can also track all the payments made through different cards from one app, which makes things easier when tabulating your expenses and keeping track of your finances.

2. Apple Pay Is Really Convenient!

I cannot stress this enough—using Apple Pay has made my life so much easier. You don’t need to take your card out, and the process is usually a bit faster than the typical contactless payments using a physical card.

Nearly every store accepts Apple Pay these days—depending where you live—with more places being added everywhere. Even if you mistakenly leave your wallet or card at home, you don’t need to worry, since you can make your payments using your iPhone or Apple Watch.

1. There’s a New Tap to Pay Service

Apple recently announced that Tap to Pay for iPhone, a new feature for third-party merchants, will be launching in late 2022. This means that merchants will no longer need to rely on external point-of-sale terminals or devices to accept payments. Instead, customers can just tap their smartphone to the merchant’s iPhone to make a payment.

Once the feature is released, this will surely help home businesses and small merchants to grow and accept contactless payments. These contactless payments won’t be available to normal card users.

Mobile Payments Are the Future

Contactless payments have become a necessity rather than an added bonus, and Apple Pay has made it much more convenient. People were skeptical at first, but Apple has proved that Apple Pay is indeed safe and secure, which has made many users rely on it for their daily purchases.

Hopefully the multiple reasons listed above have convinced you of to set up Apple Pay on your device and start using it for your transactions. Trust me, you won’t regret it.