how does apple pay decide which of the cards in my wallet to use?

If i choose to use Apple Pay but have multiple cards in my wallet, how do I choose which card gets used?


iPhone 8 Plus, 12

Posted on Feb 19, 2019 12:01 PM

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Question marked as Top-ranking reply

Posted on Feb 19, 2019 12:47 PM

It will use the default card (Settings > Wallet & Apple Pay > Default Card) unless you select another as describe in the following from Using Apple Pay in stores, within apps, and on the web - Apple Support


Pay with a different card instead of your default card

Here's how to switch cards:



  • iPhone X or later: Double-click the side button. When your default card appears, tap it, then tap to choose another card. Glance at your iPhone to authenticate with Face ID, then hold the top of your device near the reader to pay. 
  • iPhone 8 or earlier: Hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap to choose another card. Rest your finger on Touch ID to pay.
  • Apple Watch: Double-click the side button. When your default card appears, swipe left or right to choose another card. Hold your watch near the reader to pay.


2 replies
Question marked as Top-ranking reply

Feb 19, 2019 12:47 PM in response to Macirish2002

It will use the default card (Settings > Wallet & Apple Pay > Default Card) unless you select another as describe in the following from Using Apple Pay in stores, within apps, and on the web - Apple Support


Pay with a different card instead of your default card

Here's how to switch cards:



  • iPhone X or later: Double-click the side button. When your default card appears, tap it, then tap to choose another card. Glance at your iPhone to authenticate with Face ID, then hold the top of your device near the reader to pay. 
  • iPhone 8 or earlier: Hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap to choose another card. Rest your finger on Touch ID to pay.
  • Apple Watch: Double-click the side button. When your default card appears, swipe left or right to choose another card. Hold your watch near the reader to pay.


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how does apple pay decide which of the cards in my wallet to use?

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