Do you have to have cell reception?

Hello, sbtaylor45,

From your post it sounds like you are looking for information about Apple Pay and cellular reception. We’re glad that you reached out to the Apple Support Communities and want to try and help get you some helpful information.

In order to securely transmit your payment information and any other transactions, Apple Pay will need reception.

You can find more info about the way Apple Pay works here: Apple Pay security and privacy overview

Have a great rest of your day!