This article explains how to use Apple Pay on iPhone 13 and how Apple Pay works.
Can an iPhone 13 Use Apple Pay?
Often, the credit card terminal has a light that indicates it’s ready for payment.

Double tap the iPhone’s Side button.
Hold your iPhone 13 close to the payment terminal.
Approve the transaction by looking at your iPhone screen to use Face ID.

ADonecheckmark will appear on the iPhone screen and the payment terminalwill move on to the next step.
You may need to enter a debit card PIN in some cases.
Want to go deeper with Apple Pay or need troubleshooting help?

How to Set Up Apple Pay on iPhone 13
Open theWalletapp.
TapDebit or Credit Card.
Verify the card number and tapNext.
Verify the expiration date, add the three-digit security code, and tapNext.
Agreeto terms and condition.
TapDoneand the card will now be available for use with Apple Pay in your Wallet app.
How Does Apple Pay Work on iPhone 13?
Apple Pay works using a combination ofNear-Field Communications (NFC)for wirelessly transmitting data.
and Apple software and services.
Instead, Apple Pay creates a one-time, disposable card number for each transaction.
Apple knows both the one-time card number and your actual card number.
If you don’t see it, tap theApp Storeicon first.
Apple Pay doesn’t require any transaction fees or ongoing service fees from regular users.
However, vendors pay Apple a transaction fee for each purchase.
you’re able to see thefull list of Apple Pay participating bankson Apple’s website.
As long as you takesteps to protect private data on your iPhone, you have nothing to worry about.