How do I set up Apple Pay if I have a Watch and an iPhone 5s?

I have heard that I can use Apple Pay with an iPhone 5s, if I have an Apple Watch. But how am I supposed to add a credit card in a setup like this?


Obviously I can't add the card from the watch itself, since it has no keyboard. But I also can't add the card from the phone, since 5s phones don't "know" about Apple Pay. So how am I supposed to add the card I want to use?

iPhone 5s, iOS 8

Posted on Apr 17, 2015 3:23 PM

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10 replies

Apr 18, 2015 11:43 AM in response to Babaganoosh

Babaganoosh wrote:


Okay. So if I do this - pair the phone with the watch as you describe - do I have to have the phone with me when I pay?


I would assume so.


Babaganoosh wrote:


Apple's page regarding Apple Pay says that you don't have to have the phone with you.


I cannot find anywhere it says that. In fact, this is unlikely to be the case, since the Transaction occurs through an NFC chip in the iPhone 6 and 6+. without the iPhone, there's no transaction. The Apple Watch takes the place of the NFC chip for earlier iPhone models, so you may not need to take out the Phone, because it can't really do anything, but it should still need to be near the Watch to transfer the payment data to it, so it can transfer it to the contactless terminals..


With that said, best to wait for the Watch to be available, and I'm sure a User Guide will be published by Apple soon, that will answer all those questions.

May 1, 2015 11:37 AM in response to Phil0124

I have an iPhone 5s/8.3 and a new Apple Watch. They are paired.


There is no option in my iPhone Passbook app to add a credit card ... just to add a Pass.

In the Apple Watch app on the iPhone, I select "My Watch" / "Passbook & Apple Pay". I tap "Add a Credit or Debit Card". From then on I just get the "waiting twirl", followed by a dialog box: "Could Not Connect to Apple Watch - Mae sure your Apple Watch is nearby, powered on, and not in Airplane mode".

The iPhone/Watch are paired. They are right next to each other. They are both powered on. They are not in Airplane mode.

What next?!??

Jan 19, 2016 10:09 PM in response to Jeff DeMello

Even though you're using an iPhone 5S, you set-up the credit card desired to pay with THE WATCH, in the "Watch" App on the 5S.


The transactions do not use your actual credit card number, but a code representing your CC, which IS stored on the Watch, so your credentials remain safe.

Thus are you able to pay with the Watch alone, no 5S present(once CC is verified).


On the 5S you cannot set-up a CC to pay with Apple Pay by iPhone 5S swipe; you can only set-up a CC to pay via Watch swipe.


This is a decent stop-gap for those of us with the Watch but an older phone.

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How do I set up Apple Pay if I have a Watch and an iPhone 5s?

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