The fast-changing financial landscape allows digital payment systems to become a viable alternative to the traditional transaction process. While there are many payment gateways to use in today’s digital world, Apple Pay is one method that promises a convenient payment strategy, both online and offline. This is why knowing how to use Apple Pay in Nigeria may be important to you.

What Is Apple Pay?

How to use Apple Pay in Nigeria

Apple Pay is a mobile payment and digital wallet service developed by Apple Inc. to enable users to make payments through iPhone, iPad, or Apple Watch. It uses contactless technology to ensure the convenience and security of transactions – both online and in stores.

This wallet service is available in 166 countries and territories, as it is often integrated into the checkout page of websites as a payment option.

You can add your credit, debit, or prepaid cards, as well as other payment methods, to your Apple Wallet to make fast payments on your Apple devices. This also applies to redeeming your Apple gift card, the balance of which can be added to your Apple Wallet to pay for products or services.

Apple Pay is becoming a popular payment method in Nigeria, especially for cross-border transactions. This is evident in fintechs like Flutterwave and Paystack integrating the service into the payment options on their respective platforms – similar to how Flutterwave allows PayPal payments.

Requirements For Using Apple Pay In Nigeria

Some requirements are needed to enable you to use Apple Pay in Nigeria. These are:

  • A supported Apple device: iPhone 6 and above, iPad Pro, iPad Air 2 and above, iPad Mini 3 and above, and Apple Watch.
  • The latest iOS version, iPadOS, or WatchOS.
  • A supported credit or debit card. You can check with your bank to confirm their support for Apple Pay.

How To Set Up Apple Pay In Nigeria

Setting up your Apple Pay requires the addition of your card to your Apple Wallet, which you can do with these simple steps:

  • Open the Wallet app on your Apple device (iPhone, iPad, or Apple Watch).
  • Click “+” in the top right corner to add the card.
  • Follow the on-screen prompts to enter your card information manually or scan your card using the device’s camera.
  • Verify your card by providing additional information as your bank or card issuer requested.
  • Upon verification, your card will be added to your Apple Wallet, and you can start using Apple Pay.

Meanwhile, you can add multiple cards to your Apple Wallet and choose your preferred card during transactions.

How To Use Apple Pay Online

You can use Apple Pay online via Safari, the App Store, and other supported apps with the following steps:

  • Look for the Apple Pay icon on the checkout page of the website or app that you’re using.
  • Choose Apple Pay as your preferred payment option and confirm your payment using Touch ID, Face ID, or your device passcode.
  • Wait for the processing of the transaction, and your payment is completed.

How To Use Apple Pay In-Store

  • Look for the Apple Pay logo or contactless payment symbol at the checkout terminal.
  • Hold your Apple device near the terminal and authenticate the transaction using Face ID, Touch ID, or your device passcode.
  • Wait for the transaction to be processed to complete your payment.

Furthermore, you can use Apple Pay to receive money – which is referred to as Apple Cash. This brings the simplicity and convenience of receiving money from customers, friends, and family.

How To Receive Money On Apple Pay

You can start to receive money via these steps:

  • Open the Wallet app.
  • Click “More” and “Card Details.”
  • Change your “Accepting Payments” setting to accept Apple Cash payments automatically.

Benefits Of Using Apple Pay In Nigeria

1. Convenience

Apple Pay works by the existing cashless norm in Nigeria, as you do not need to carry cash around to make transactions. All you need is your Apple device to make or receive payments.

2. Security

This wallet service employs advanced security features like biometric authentication and tokenization to protect your transactions. Therefore, this restricts unauthorized access to your account and funds.

3. Speed

Apple Pay transactions are considerably faster than traditional card payments – saving you time at checkout during purchases. This also applies to receiving money via Apple Pay as quickly as possible.

Frequently Asked Questions (FAQs) About Using Apple Pay In Nigeria

Is Apple Pay Free To Use In Nigeria?

Yes, it is free to use Apple Pay in Nigeria. But, your bank or card issuer may charge a fee for using the service.

Can I Use Apple Pay With Any Bank In Nigeria?

No, not all Nigerian banks support Apple Pay. That is why you need to check with your bank to confirm their support for the service.

Can I Use Apple Pay For International Transactions?

You can use Apple Pay for international transactions, provided your card issuer supports it.

How Can I Withdraw Money From My Apple Pay?

You can withdraw money from your Apple Pay by clicking “Apple Cash card” and “More.” You will be directed to the page where you click “Transfer to Bank” and enter the amount you want to transfer. Choose “Instant Transfer,” and withdrawing money from your Apple Pay is set.

What Happens If I Lose My Apple Device?

If you lose your Apple device, you can use the Find My App to locate it, lock it, and delete its data remotely. This will also suspend your cards automatically – which you can contact your bank or card issuer to replace.


There is no doubt that digital payment is the future of online and in-store payments due to their convenience and accessibility. Apple Pay is not lacking in this regard, as it is efficient and effective, provided you have all the requirements to use the service.

However, it is essential to know if the merchant or a website supports Apple Pay as a payment method before using it.