Is there a fee to use Apple Pay with a credit card?
Daniel Santos
Updated on February 14, 2026
Simple To Use Apple Pay does not charge a fee for debit transactions though a rate of 3% applies to purchases made with credit cards.
Does Apple require a payment method?
To make purchases from the App Store, iTunes Store, or Apple Books, or buy iCloud storage, you need an Apple ID and a valid payment method. You can typically use these methods with your Apple ID: Apple Pay (where available) Most credit and debit cards.
What payment methods does Apple take?
Payment methods Apple Pay. Apple Card. Credit Cards or Debit Cards. PayPal.
Does Apple Support ask for credit card?
Answer: A: Answer: A: It’s to ensure your Apple ID and account is secure. When you make a purchase (iTunes, App Store, Mac Store), you will be asked to verify through a 4-digit code sent to you via SMS.
Does Apple Pay charge a monthly fee?
No. Apple does not charge any fees when you use Apple Pay — in stores, online, or in apps.
What is the max amount for Apple Pay?
Limits for Sending or Receiving Money You are limited to sending or receiving $3,000 at a time, and just like adding money to your Apple Pay Cash card, you cannot send or receive over $10,000 over a 7-day period.
Is Apple Pay safer than PayPal?
Is Apple Pay safer than PayPal? Also yes, thanks to its tight security and encryption of the devices you use it with. Apple Pay is even safe if you lost your phone or it got stolen as you can suspend your Apple Pay app through the Find My iPhone feature.
Can you use credit card with Apple ID?
None isn’t an option when you use the Apple ID account page to set your payment method. If you don’t want to use a credit card, you can use another form of payment, such as a gift card. If you already have an Apple ID and don’t want a payment method attached to it, learn how to remove your Apple ID payment information.
How do I add a payment method to Apple Pay?
To add a payment method, tap Add Payment Method. To update a payment method, tap the payment method, then edit your information. You might need to enter the security code that’s printed on your credit or debit card. If you see Apple Pay after the last 4 digits of the card number, go to the Wallet app to edit the card information.
Can a gift card be used as a payment method on Apple?
You can’t use gift cards or Apple ID balance as your payment method when you change your country or region. Learn more about changing your Apple ID country or region. You can also remove your payment methods after you change your country or region.
Why do I have to charge my Apple credit card?
Here are some reasons Apple might charge your card: 1 App Store purchases: Downloaded on an iPhone, iPad, Apple TV, Apple Watch, or Mac. 2 iTunes media purchases: These include music, movies, TV shows, or eBooks. 3 Hardware purchases: Made on Apple.com or at an Apple Store.