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How do I disable the passcode lock but still use Apple Pay?

I have never locked my iPhone in the past and I never intended to when I got the iPhone 6. However I want to use Apple Pay. Do I need to just forget about Apple Pay if I don't want to enter a passcode or have it read my fingerprint everytime I want to look at my iPhone?

Posted on Feb 14, 2015 8:00 AM

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Posted on Sep 14, 2016 7:11 PM

Couldn't they just put credit card information behind a passcode or touch id? That sounds like the most convenient thing to me. I don't use apple pay because it requires a passcode EVERY time i want to get in my phone.

10 replies

Feb 14, 2015 9:08 AM in response to firebirdbandit

I don't mind using the fingerprint id when I'm using the Apple Pay just I don't' want to use it when I want to look at my phone. My wife in particular complains that when she cooks if there is flour or water or anything on her finger she can't unlock her phone. She uses her phone a lot when she cooks. I find it takes me a least a couple seconds longer to look at my phone than it did before. I also find that when I'm trying to show pictures to people that they don't display because I used the shortcut to view them but it was faster than it could read my fingerprint so it will let me take photos but not view them.

Dec 1, 2015 6:41 PM in response to ChrisJ4203

Hey thanks for the Apple support Link Chris! I too wish they wouldn't force you to lock your phone to use Apple Pay. I don't need the added security and I wish they gave us the customers the option. If i loose my phone I'll just cancel my cards. No big deal. It's like losing a wallet. One of the best features on the phone to me is being able to jump start to an app from my lock screen. If someone sends me a text I can swipe on just that text and be taken to my messages, and its the same with all notifications. I, like OP, have never locked my phone and don't intend to now. I use my phone for business and and constantly on it. I was looking forward to Apple pay, but this is a deal breaker for me unfortunately.

Jan 3, 2017 10:43 AM in response to firebirdbandit

Totally agree. I don't intend on ever locking my phone, and no, touch ID is not just as fast or convenient. When you get a text you can't simply swipe the incoming text to see it. If you get expensive fancy touch screen gloves for your birthday you still have to take your gloves off to access your phone. And plenty of other situations particular to the habits of individuals that make having your phone locked inconvenient. And if you lose your phone nobody can look at your contacts to try to get it back to you. Also, speaking of which, if you do lose your phone and the phone is unlocked nobody can access your credit card info anyway. Your entire credit card number isn't displayed in Wallet and you still have to enter a passcode if you want to view it or change it, so credit card info is secure regardless. There should be an option to not have your phone locked but still use touch ID top use ApplePay. And yes, I left feedback for Apple.

Feb 14, 2015 8:04 AM in response to firebirdbandit

Yes, you would have to. And, would you really want all of your credit card information available on the device with no security on it? Imagine if anyone could access Apple Pay and not have to provide any kind of identifying information. Given the amount of personal information on the devices now, I would never have a device without a passcode applied. You will find that Touch ID is very easy to unlock the device and I can unlock mine with Touch ID as fast as you can swipe your phone open without it.

Feb 14, 2015 9:14 AM in response to firebirdbandit

My experience has been the opposite. I think it may be that if you get used to picking up the phone with a finger on the Home button, you may find it's fairly fast. I also have both thumbs and both forefingers registered so, no matter which hand I have the phone in, it's easy to unlock. However, if you don't like it, you don't like it.


Advice you're free to ignore: getting flour or water on an iPhone is not a good thing.


Best of luck.

Feb 14, 2015 10:22 AM in response to firebirdbandit

I would have to agree with Meg. However, if you want to use Apple Pay, you have to use both. That is the way it is at this time. You can provide feedback to Apple about your thoughts HERE, and click on the appropriate subject. And, like any biometric device, anything getting into the way of the fingerprint will affect the way it works, i.e. flour/water, but as Meg said, I would keep that away from the phone anyway. You are free to use your phone as you wish, however at this time you cannot have one without the other.

Sep 15, 2016 5:49 AM in response to smithakeegan

smithakeegan wrote:


Couldn't they just put credit card information behind a passcode or touch id? That sounds like the most convenient thing to me. I don't use apple pay because it requires a passcode EVERY time i want to get in my phone.

TouchID is very fast and very reliable. You really only need to use the passcode after a restart. Using Touch ID is just as fast as "Swipe to Unlock".

How do I disable the passcode lock but still use Apple Pay?

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