Using Apple Pay Offline: A How-To Guide for Transactions


Michael Collins

Using Apple Pay offline may sound like a contradiction, since digital wallets are often associated with internet-dependent transactions. However, it might surprise you to learn that you can, in fact, use Apple Pay without an active internet connection. Whether you’re in a spot with spotty service or just want to save on data, Apple Pay has got you covered for your contactless payments.

Step by Step Tutorial to Use Apple Pay Offline

Before diving into the how-to, let’s first understand what we’re achieving here. Using Apple Pay offline allows you to make payments without needing Wi-Fi or cellular data. This is handy for situations where you might not have a reliable internet connection but still need to make a purchase.

Step 1: Set Up Apple Pay

First things first, you’ll need to have Apple Pay set up on your iPhone or Apple Watch.

Setting up Apple Pay involves adding your credit, debit, or prepaid cards to the Wallet app on your iPhone. Make sure that your device is compatible and that your bank supports Apple Pay.

Step 2: Find a Contactless Payment Terminal

Look for a payment terminal that supports contactless payments.

Most modern payment terminals are equipped with NFC technology, which is what Apple Pay uses for contactless payments. Look for the contactless symbol on the terminal to ensure it’s compatible.

Step 3: Double-Click the Side Button

On your iPhone, double-click the side button to bring up your default Apple Pay card.

This step activates Apple Pay on your device, making it ready for the transaction. You can switch cards at this point if you need to use one different from your default.

Step 4: Authenticate Using Face ID, Touch ID, or Passcode

Authenticate the transaction using Face ID, Touch ID, or your passcode.

This security step ensures that you’re the one making the purchase. It’s a crucial part of what makes Apple Pay both secure and convenient.

Step 5: Hold Your iPhone Near the Terminal

Hold the top of your iPhone near the contactless reader until you see ‘Done’ and a checkmark on the display.

This is the actual payment part. The NFC chip in your iPhone communicates with the payment terminal to complete the transaction. It’s quick, easy, and doesn’t require an internet connection.

After completing these steps, your payment should process just as it would if you were online. The funds will be deducted from your chosen card, and you’ll receive a confirmation on your device.

Tips for Using Apple Pay Offline

  • Make sure your device’s NFC is turned on for contactless payments to work.
  • Check that your card has been verified by your bank for Apple Pay use.
  • Always have your device’s passcode set up as a backup in case Face ID or Touch ID doesn’t work.
  • Remember that for security reasons, some transactions may require online verification, so keep an eye out for those.
  • If you have multiple cards, select the one you want to use as the default card for quicker transactions.

Frequently Asked Questions

Can I use Apple Pay offline for all types of transactions?

No, while many in-store purchases can be made offline, some transactions, like online purchases or certain transit systems, require an internet connection.

How many cards can I use with Apple Pay offline?

You can use any card that has been added and verified in your Apple Wallet, but remember, the default card will be the one that pops up first.

What if my payment is declined while using Apple Pay offline?

Typically, this means the payment terminal requires online authorization. Try another payment method or wait until you have an online connection.

Is there a limit to how much I can spend using Apple Pay offline?

This depends on your bank and the specific store’s policies. Some may have a limit for contactless transactions without verification.

Does using Apple Pay offline affect my transaction security?

No, Apple Pay is secure whether you’re online or offline, thanks to encryption and authentication processes.


  1. Set up Apple Pay on your device.
  2. Find a contactless payment terminal.
  3. Double-click the side button on your iPhone.
  4. Authenticate the transaction.
  5. Hold your iPhone near the terminal.


In conclusion, using Apple Pay offline is not only possible, but it’s also incredibly convenient. Whether you’re in a dead zone with no service or you’re just looking to save on data, you can still enjoy the benefits of contactless payments with your Apple device. It’s just one of the many ways Apple is revolutionizing how we handle our finances, providing both security and flexibility. As more and more establishments embrace NFC technology, the reliance on physical cards continues to diminish, and the digital wallet takes the forefront. So next time you find yourself without internet, don’t fret; just double-click, authenticate, and pay.