Apple Pay is a mobile payment service operated by Apple Inc. The platform allows users to pay in iOS apps, in person, and on the web using the Safari browser. You can use the service on Apple devices such as iPhone, iPad, Apple Watch, and Mac. Its operation allows it to replace a credit or debit card chip plus PIN transaction at a contactless point-of-sale terminal. But where can I get cash back with Apple Pay?
Cashback is important for customers as they can get relief when buying goods and services. For your understanding, cashback is the amount of money you get back in the form of a discount after buying something from a particular outlet. It is usually a way of appreciating customers so they can come back again and again. Places with cash backs include supermarkets, filling stations, groceries, hotels, and restaurants.
While most merchants give cashback on payment cards such as credit and debit cards, you can also get cash back when you use apps such as Apple Pay. And by the way, Apple Pay is among the easiest platforms to use as it can work with any merchant that uses contactless payments. Furthermore, it adds two-factor authentication using Face ID, Touch ID, PIN, or passcode. Also, the devices supporting Apple Pay can wirelessly communicate with point-of-sale systems via near-field communication (NFC).
Get Started With Apple Pay
You can start using Apple Pay by following a few steps online. You do not need to do much to set up an Apple Pay account. You should only add a payment card such as a debit, credit, or prepaid card to the Wallet app on your compatible device. Once you have done so, you can use the platform for various transaction activities.
Remember that you should use Apple Pay with
- A compatible device with the latest iOS, iPadOS, watchOS, or macOS operating system.
- A supported payment card from a participating financial company.
- An Apple ID. You must have signed in to iCloud.
- Be in a supported country/region.

Various countries support Apple Pay. They include the United States, Argentina, Armenia, Canada, China, Colombia, Costa Rica, Australia, Bahrain, Brazil, Hong Kong, Israel, Mexico, New Zealand, Palestine, Peru, Qatar, Japan, Kazakhstan, Macau, South Africa, Taiwan, Saudi Arabia, Singapore, the United Arab Emirates, and in all countries of or with territories in Europe (except Andorra, Bosnia and Herzegovina, Albania, North Macedonia, and Turkey).
Again, the payment cards supported by the platform include American Express, Visa, Mastercard, and Discover. The service also supports country-specific domestic payment systems such as China’s UnionPay, Saudi Arabia’s Mada, France’s Cartes Bancaires, Japan’s JCB, Canada’s Interac, Australia’s EFTPOS, and Germany’s Girocard.
Process To Make Payments With Apple Pay
After enabling your account, the next thing is to make payments with your account. The following is the process you can use to make your payments.
- Tap the ‘Apple Pay’ button.
- Pay with your default card or choose another card.
- Confirm the payment.
- Double-click the side button to use your Face ID or your passcode. With fingerprint scanners, you can use Touch ID or your passcode for iPhones and iPads. You will see ‘Done’ and a tick on your screen when your payment is successful.
Procedure To Get Cash Back With Apple Pay
You can get cashback with Apple Pay when you make purchases at various stores if they offer cashback and accept Apple Pay as a form of payment. There are various places you can get cash backs. In most cases, you get your cash back through the cards you use for your account. The following are some of the cards you can use.
- Chase Freedom Flex
- Blue Cash Preferred card
- Blue Cash Everyday card
Once your card is linked, you can enjoy cash back at hundreds of retailers. The following are ways you can earn your cash back with the above cards.
- Up to 3% for purchasing gasoline
- Up to 3% for transportation costs, e.g., bridge tolls and paid parking
- Up to 5% with restaurants
- Up to 6% for shopping at various grocery shops
There are various places where you can get cash backs for using Apple Pay. For example, you can use an Apple Card with Apple Pay and get 2% daily cashback. That increases to 3% when you make purchases at the Apple store. Other places where you can get up to 3% cash backs include the following.
- Nike
- Walgreens
- Uber Eats
- Exxon
- Duane Reade
- Mobil
- Panera Bread
Steps To Send Money With Apple Pay
You can send and receive finances through Apple Pay. When you receive funds from other Apple Pay users, the funds go to your Apple Cash account. When sending money to other users, you can follow the steps below.
- Open the Messages app.
- Start a new conversation or select an existing one.
- Hit on the ‘Apple Cash’ button.
- Enter the amount of money to send.
- Tap ‘Pay’.
- Hit the ‘Send’ button
- Confirm your payment with Touch ID, Face ID, or your passcode.
You can also request money from other Apple Pay users, who can send the amount you need. Others can do the same too. These could be your friends and relatives as you know them well. You should also call them to confirm if they are requesting the finances. That is because fraudsters may be having their phones without you knowing.
Bottom Line
Apple Pay is a mobile payment service operated by Apple Inc. The platform allows users to pay in iOS apps, in person, and on the web. You can use the service on Apple devices such as iPhone, iPad, Apple Watch, and Mac. You should add a supported credit or debit card to your account to fund your transactions. Cards from Visa, MasterCard, American Express, and Discover can work with Apple Pay.