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How do I make a payment with Apple Pay? 

You can pay with Apple Pay anywhere contactless payments are accepted, with your iPhone or Apple Watch. You will need to authenticate with either Face ID, Touch ID or your device passcode. Make sure you do not share your device passcode with anyone else or let anyone register their face or fingerprint on your device, as that person will be able to make Apple Pay payments and you will be responsible for their use of your card.

You can also use Apple Pay to make in-app payments and pay online in Safari with your eligible Westpac Mastercard on the Mastercard payment network.

For more information on how to use Apple Pay:

Pay in store using Face ID

  • To pay using Face ID and your default card, double-click the side button, glance at your iPhone to authenticate with Face ID. Once authenticated, you then have 60 seconds to make the payment using the device.
  • Hold the top of the iPhone near the contactless reader until you see Done and a checkmark on the iPhone.

Note: You may be asked to enter your card PIN for transactions over $200* at some terminals.

More information:

Pay in store using Touch ID

  • To pay using Touch ID and your default card, rest your finger on Touch ID to authenticate while holding the top of your iPhone near the contactless reader until you see Done and a checkmark on the iPhone

Note: You may be asked to enter your card PIN for transactions over $200* at some terminals

More information:

Pay with Apple Watch

  • To pay using Apple Watch and your default card, you must have first entered your passcode when you first put your watch on your wrist. Double-click the side button on your Apple Watch and hold the display near the contactless reader
  • Wait until the watch generates a gentle tap. The screen will also display Done and a checkmark


Note: You may be asked to enter your card PIN for transactions over $200* at some terminals

More information:

Pay within apps or online with Safari

  • To pay in-app, look for the buy with Apple Pay icon or choose Apple Pay as your payment method at checkout.
  • Follow the prompts and confirm that your payment, shipping and contact information are all correct. Tap > to change any of the payment information
  • Use Face ID or Touch ID to confirm your payment with an iPhone or Double Click the side button to confirm payment with an Apple Watch  

More information:

For online payments with your Mac with Touch ID, follow the prompts on the Touch Bar and place your finger on Touch ID when prompted to authenticate your payment

For online payments with other Mac models, use Bluetooth to select your iPhone or Apple Watch to authorise payments in Safari. You will need to be signed in to the same Apple ID on all devices.

More information:

Things you should know

* As at 7 April 2020, the Apple Pay transaction limit has been temporarily increased from $100 to $200. This is a temporary increase, that is being progressive rolled out, and will be only available on certain cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the Apple Pay limit is part of an industry-wide response to help reduce the spread of COVID-19.