Can Apple ID be used for Apple Pay?
I can Apple Pay with my Apple ID
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Question marked as
No, funds in an Apple ID Account can only be used for purchases with Apple. This includes Apple App Store, iTunes Store, etc. It’s a safer alternative than carrying a physical card with hundreds if dollars on it. If lost, those monies are gone forever.
Please review the Apple Support articles I linked below.
What you can buy with your Apple Gift Card or Apple Account balance - Apple Support
How to redeem your Apple Gift Card or App Store & iTunes gift card - Apple Support