Sep 13, 2018

What iOS device is compatible with Apple Pay

If you have an iPhone 6 or iPhone 6 Plus, you can use Apple Pay both in stores and while making in-app purchases. Both of Apple's latest phones have Near Field Communication (NFC) chips at the top end of the device. They also both have a separate chip called the secure element (SE). Each time you initiate a transaction, the SE generates a one-use code in lieu of transmitting your debit or credit card number.

If you have an iPhone 5S or older, your only solution is to use the Apple Watch, which also has the SE and NFC chips. The Apple Watch is tethered to your iPhone and will use your Touch ID in tandem with these chips to make a secure purchase.

The iPad Mini 3 and iPad Air 2 also get Apple Pay because they both have the SE, but only for in-app purchases, because they don't have the NFC chip. This means if you're using the Target app, for example, you'll be able to purchase an item simply by using Touch ID, but you won't be able to use it at the credit card terminal in a checkout line at the actual store.