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Apple Pay is a mobile digital wallet that allows users to make payments by tapping a compatible iPhone or Apple Watch to a contactless payment terminal. Set up is simple and users can add and manage their payment cards in the Apple Wallet app. Apple Pay can be used in stores to make payments online or through apps and by sending money to friends and family. Apple Pay provides another way to make payments but its important to understand your rights and protections when you choose to use this method of payment. Apple Pay may not always be accepted in all businesses so its good to carry a backup payment method like a physical debit or credit card.