Apple Pay is one of the top digital wallet and contactless payment systems in the world, with millions of users in over 80 countries across North America, Latin America and the Caribbean, Europe, the Middle East, Africa, and the Asia-Pacific region. With digital payments steadily becoming the norm in the Philippines’ evolving commercial and financial landscape, it was only a matter of time until Apple Pay finally made it to our shores as well.
With Apple Pay now being available in the Philippines, iPhone users can enjoy a more convenient way to make contactless payments using supported cards from participating local banks and card issuers. Understanding how Apple Pay works and where it can be used can help both consumers and businesses make the most of this payment option and enjoy a smoother, more seamless checkout experience.
Maya, the country’s #1 digital bank, supports the rollout of Apple Pay through its flagship in-store and online payment solutions, Maya Terminal and Maya Checkout, allowing businesses to accept and process transactions that make use of Apple’s highly popular payment service. This gives Filipinos more convenient and seamless ways to pay, whether that’s tapping to pay in-store on a digital payment/credit card machine or paying online through a payment gateway.
More than just a credit card terminal, Maya Terminal also accepts payments made via debit cards, e-wallets, and QR Ph. Meanwhile, Maya Checkout is an online payment gateway solution from Maya Business that allows customers to pay securely online using the same payment methods.
In this guide, we’ll walk you through how to use Apple Pay, from setting it up on your device to completing transactions at an e-payments and card terminal machine like Maya Terminal or paying online through a payment gateway like Maya Checkout.
Check Whether Your Device Is Compatible
Before they can start to pay using Apple Pay, Philippines’ consumers will need compatible Apple devices. Apple Pay is supported on many recent iPhone, iPad, and Mac devices, although available features vary depending on the unit or model. Additionally, keeping your device updated with the latest version of iOS, iPadOS, or macOS is important because software updates often include security improvements and enhancements to Apple Wallet.
Compatibility is only one part of the setup process. To use Apple Pay, you’ll also need a supported debit or credit card from a participating bank or card issuer. Availability may vary depending on the financial institution, so it’s best to check whether your card is supported before setting up Apple Pay.
Add an Eligible Payment Card to Apple Wallet
After confirming that your device is compatible, the next step is to add an eligible payment card to the Apple Wallet app. In addition to a compatible device and a supported card from a participating issuer, however, Apple Pay Philippines users also need an Apple Account signed in to their Apple device along with Face ID, Touch ID, or a passcode set on the device.
To begin the setup process, open the Apple Wallet app and select the option to add a new card. You can typically scan your physical card using your device's camera or enter the card details manually if needed. Your bank or card issuer may also require additional verification before the card can be activated for Apple Pay. If you encounter any issues while adding your card, contact your issuer.
While the setup process itself is straightforward, not every payment card will automatically work with Apple Pay. Support still depends on whether the issuing bank participates in the service. As such, users should verify that their preferred bank and card are officially supported before attempting to add them to Apple Wallet to ensure a seamless experience.
Once you’ve set up Apple Pay and added an eligible card to your Apple Wallet, you’re ready to start making contactless payments. Whether you're paying at a physical store or completing a purchase online, the process is designed to be quick and convenient when Maya Terminal and Maya Checkout are part of your payment tech stack. Below, we’ll walk you through the steps for using Apple Pay in both settings.
How to Pay In-Store with Apple Pay through the Maya Terminal
You can pay with Apple Pay at any store with a Maya Terminal by following these steps:
1. Let the cashier know that you’ll be paying with Apple Pay.
- If your iPhone has Face ID, double-click the side button. Authenticate with Face ID or your device passcode if prompted. If your iPhone has Touch ID, double-click the home button. To authenticate, rest your finger on the home button or use your passcode.
- Hold the top of your iPhone near the Maya Terminal.
- Wait until you hear a notification sound or see a “Done” message with a check symbol on your device’s screen to confirm the successful payment.
- Once your transaction has been approved, remove your device from the Maya card payment machine. Because Apple Pay relies on near-field communication (NFC) technology, the process usually takes only a few seconds.
How to Pay with Apple Pay through Maya Checkout on Mobile Devices
Through Maya Checkout, you can use Apple Pay to pay online or in apps. To make purchases on your mobile device, follow these simple steps:
- On the Maya Checkout payment page, choose Apple Pay as your payment method.
- Authenticate the transaction using Face ID, Touch ID, or your device passcode. After authentication, you should see a “Processing” message at the bottom of your device’s screen.
- Once your payment has been processed, a confirmation page will appear on the screen. This page also features the transaction and payment details along with an option to receive a receipt through e-mail or SMS.
How to Pay with Apple Pay through Maya Checkout on Desktop and Laptop Devices
Additionally, on a Mac or PC, you can also pay with Apple Pay on Maya Checkout-supported websites by scanning a payment code with your iPhone or iPad. Here’s how:
- On the Maya Checkout payment page, select Apple Pay as your preferred payment method.
- Wait for the payment code to appear on the screen.
- Use the camera on your iPhone or iPad to scan the code. If necessary, enter your billing, shipping, and contact information.
- Confirm the payment by using your device's security features. On an iPhone or iPad with Face ID, double-click the side button and verify your identity with Face ID or your passcode. On devices without Face ID, use Touch ID or your passcode to authorize the payment.
- When the transaction has been completed, Apple Pay will display a “Done” message along with a checkmark to confirm that your payment was successful. As you’re redirected to the Maya Checkout payment page, you will also see a confirmation message indicating that your payment was successful.
Using Apple Pay allows you to complete online purchases securely and with greater ease. Because you don’t have to manually enter your payment card information each time, the checkout process becomes faster and more convenient.
With contactless payments steadily growing in popularity among modern Filipino consumers, Apple Pay provides another reliable payment option while further minimizing checkout friction. By understanding how this service works and how to set it up, you can feel more prepared when using it to pay in-store through a Maya credit card terminal and digital payment machine or online with Maya Checkout. Moreover, knowing that Apple Pay has been seamlessly integrated into Maya’s trusted payment solutions offers confidence that you can enjoy Apple Pay Maya Terminal transactions and Maya Checkout payments without any worries.
