At home, when instructions say “hold on reader”, where is the reader?

Hello R0sie1,

Thank you for reaching out in Apple Support Communities. Are you attempting to complete a transaction by using Apple Pay on your iPhone? If so and this notification appears, you'll want to place your iPhone near the terminal to complete the transaction for Apple Pay. Here's additional details of these steps:

How to pay using Apple Pay in stores and other places

With your iPhone or Apple Watch, you can use Apple Pay in stores, restaurants, gas stations, taxis, or wherever else you see one of these symbols.

Pay with your iPhone

1. To use your default card:

- If your iPhone has Face ID, double-click the side button. If prompted, authenticate with Face ID or

enter your passcode to open Apple Wallet.

- If your iPhone has Touch ID, double-click the Home button.

2. To use a different card, tap your default card to see your other cards. Tap a new card and

authenticate.

3. Hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the

display.

These steps are outlined here and may help provide some clarity: Make purchases using Apple Pay - Apple Support

If this is not what you're experiencing, please provide the community additional details. This way the community can gain a better understanding and provide you the best support.

Best regards.