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The ultimate guide to how and where to use Apple Pay

Leah Yamshon, Caitlin McGarry | April 29, 2015
Here's everything you need to know about Apple Pay and its ins and outs, plus an up-to-date list of Apple Pay-ready stores and apps. The latest? Best Buy now supports Apple Pay for in-app purchases and this fall will begin accepting Apple Pay in its stores nationwide.

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It's official: Tim Cook named 2015 as "the year of Apple Pay." Apple's flagship mobile payment platform is off to a running start in the U.S., with support for an impressive number of banking partners and retail stores that's practically growing by the day. And iPhone users are rampantly using it--Whole Foods Market has seen mobile payments increase by more than 400 percent since Apple Pay launched in October 2014.

Ready to start using it yourself? Read on to learn more about how Apple Pay works, how to get your iPhone ready for it, and most importantly, where you can go test it out. We'll keep this page up-to-date as more banks, stores, and apps gain Apple Pay support, too. 

What's the latest?

Best Buy now supports Apple Pay for in-app purchases and this fall will begin accepting Apple Pay in its stores nationwide. Apple announced Best Buy's support during its second-quarter earnings call.

The move is particularly notable because Best Buy is apart of the consortium of major retailers developing an Apple Pay competitor called CurrentC. CurrentC members like Rite Aid and CVS have prevented customers from using Apple Pay at their NFC terminals, but it looks like Best Buy is taking a friendlier approach to Apple--or perhaps the writing's on the wall for CurrentC.

Discover also announced support for Apple Pay is coming this fall. Now that Apple has all of the major U.S. credit card issuers on board, it can ramp up international expansion efforts.

Want to use Apple Pay? Get your iPhone ready

In order to use Apple Pay, you need to have a compatible device and the right version of iOS. For in-store purchases, Apple Pay is compatible with the iPhone 6 and iPhone 6 Plus, which are the only iPhones equipped with the requisite NFC radio antennae. Besides NFC compatibility, the other piece of the hardware puzzle is a Touch ID sensor, but iPhone 5S owners are out of luck. For in-app purchases, Apple Pay works with the iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3--again, thanks to the Touch ID sensor.

You'll also need to update your iPhone to iOS 8.1 or newer, which will turn on your phone's Apple Pay feature.

Once your iPhone is in order, you'll need to link up a credit or debit card to use for payments. As of April 27, Apple's confirmed credit, debit, bank, and credit union partners are: 

  • 1st Advantage Federal Credit Union
  • A+ Federal Credit Union
  • Affinity Federal Credit Union
  • Affinity Plus Federal Credit Union
  • Alliant Credit Union
  • Altra Federal Credit Union
  • Amegy Bank of Texas
  • America First Credit Union
  • America's Christian Credit Union
  • America's Credit Union
  • American Airlines Credit Union
  • American Express
  • American Savings Bank
  • AmeriCU Credit Union
  • Andrews Federal Credit Union
  • Arizona Federal Credit Union
  • Associated Bank
  • Austin Telco Federal Credit Union
  • Bank of America
  • Bank of Hawaii
  • Bank of Utah
  • Bankers Trust
  • BankPlus
  • Barclaycard
  • Baxter Credit Union
  • BB&T (Branch Banking & Trust)
  • BBVA Compass
  • BECU (Boeing Employees' Credit Union
  • Bellco Federal Credit Union
  • Bethpage Federal Credit Union
  • Black Hills Federal Credit Union
  • BMI Federal Credit Union
  • BMO Harris N.A.
  • Cabela's CLUB
  • California Bank & Trust
  • Cambridge Savings Bank
  • Campus USA Credit Union
  • Canton School Employees FCU
  • Capital One
  • Centennial Bank
  • Central Bank
  • Central Minnesota Credit Union
  • CFE Federal Credit Union
  • Charles Schwab Bank
  • Chase
  • Chrome Federal Credit Union
  • Citadel Federal Credit Union
  • Citi
  • Citizens Bank & Trust
  • Citizens Equity First Credit Union
  • City Employees Credit Union
  • Clearview Federal Credit Union
  • Coastline Federal Credit Union
  • Commerce Bank
  • Commonwealth Credit Union
  • Community Choice Credit Union
  • Connex Credit Union
  • Consumers Cooperative Credit Union
  • Consumers Credit Union
  • Coulee Dam Federal Credit Union
  • Credit Union of Southern California
  • Customers Bank
  • Cyprus Federal Credit Union
  • Deseret First Federal Credit Union
  • Desert Schools Federal Credit Union
  • DFCU Financial
  • Digital Federal Credit Union
  • Discover (launching in Fall 2015)
  • Dupaco Community Credit Union
  • DuPont Community Credit Union 
  • Ent Federal Credit Union
  • ESL Federal Credit Union 
  • Evansville Teachers Federal Credit Union
  • F&A Federal Credit Union
  • Fairfax County Federal Credit Union
  • FAIRWINDS Credit Union
  • Farmers & Merchants Bank of Long Beach
  • Fifth Third Bank
  • First Community Bank & Trust
  • First Community Credit Union
  • First Credit Union
  • First Entertainment Credit Union
  • First Fidelity Bank
  • First Hawaiian Bank
  • First National Bank of Omaha
  • First National Bank of Pennsylvania 
  • First Niagara Bank
  • First Sentry Bank
  • First Tech Federal Credit Union
  • First Tennessee Bank
  • FirstBank
  • Foothill Credit Union
  • Founders Federal Credit Union
  • Frankenmuth Credit Union
  • Fremont Bank
  • Global Credit Union
  • Golden 1 Credit Union
  • Goldenwest FCU
  • Grow Financial Federal Credit Union
  • GTE Financial 
  • Guaranty Bank & Trust
  • Gulf Winds FCU
  • Hilltop National Bank
  • Hiway Federal Credit Union
  • Huntington Bank
  • IBERIABANK
  • IBM Southeast Employees' Federal Credit Union
  • Idaho Central Credit Union
  • Ideal Credit Union
  • Illinois State Police Federal Credit Union
  • Independent Bank 
  • INOVA Federal Credit Union
  • J.P. Morgan
  • JSC Federal Credit Union
  • Jordan Credit Union
  • KeyBank
  • KeyPoint Credit Union
  • L & N Federal Credit Union
  • Lafayette Federal Union
  • Lake Michigan Credit Union
  • Langley Federal Credit Union
  • Lister Hill Credit Union
  • Logix Federal Credit Union
  • Los Angeles Federal Credit Union
  • M&T Bank
  • MasterCard
  • Meijer Credit Union
  • Members First Credit Union
  • Merrill Lynch
  • Michigan State University Federal Credit Union
  • MidFirst Bank
  • Mission Federal Credit Union
  • Missoula Federal Credit Union 
  • Morgan Stanley
  • Mountain America Credit Union
  • Municipal Credit Union
  • National Bank of Arizona
  • National Institutes of Health FCU
  • Navy Federal Credit Union
  • NBT Bank
  • Nevada State Bank
  • North Country Federal Credit Union
  • North Shore Bank
  • Northrup Gumman Federal Credit Union
  • Nutmeg State Financial Credit Union
  • Old National Bank
  • ORNL Federal Credit Union
  • Partners Federal Credit Union
  • Patelco Credit Union
  • PenFed Credit Union
  • Pima Federal Credit Union
  • PNC
  • PointBank
  • Point Loma Credit Union
  • Prosperity Bank
  • Publix Employees Federal Credit Union
  • Quorum Federal Credit Union
  • RBC Bank
  • Redwood Credit Union
  • Regions Bank
  • Robins Federal Credit Union
  • Royal Credit Union
  • Sacramento Credit Union
  • Salem Five Bank
  • San Diego County Credit Union
  • San Mateo Credit Union
  • San Francisco Fire Credit Union
  • Sandy Spring Bank
  • Savings Bank of Danbury
  • Schools Financial Credit Union
  • Schools First Federal Credit Union
  • Security Service Federal Credit Union
  • SEFCU
  • Silicon Valley Bank
  • SkyOne Federal Credit Union
  • South State Bank
  • Spokane Teachers Federal Credit Union
  • Star One Credit Union
  • State Department Federal Credit Union
  • Stockman Bank of Montana
  • Suncoast Credit Union
  • SunTrust
  • TCF National Bank
  • TD Bank N.A.
  • Teachers Credit Union
  • Technicolor Federal Credit Union
  • Technology Credit Union
  • Telhio Credit Union
  • The Bank of Greene County
  • The Northern Trust Company
  • TIB--The Independent BankersBank
  • Truity Federal Credit Union
  • TruMark Financial Credit Union
  • U.S. Bank
  • U.S. Trust
  • UMB Bank, n.a.
  • United Federal Credit Union
  • United Nations FCU
  • University First Federal Credit Union
  • US Federal Credit Union
  • USAA
  • USAlliance Federal Credit Union
  • Utah Community Federal Credit Union
  • Utah First Federal Credit Union
  • UW Credit Union
  • Uwharrie Bank
  • Vantage Credit Union
  • Vectra Bank
  • Vermont State Employees CU
  • Virginia Credit Union
  • Visa
  • VyStar Credit Union
  • Wanigas Credit Union
  • Wells Fargo
  • WesBanco Bank
  • Wescom Credit Union
  • West Community Credit Union
  • Western Union
  • Wings Financial Credit Union
  • Wright Patman Congressional Federal Credit Union
  • Zions First National Bank

 

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