1. Point-of-sale purchases
In order to pay at a point of sale, just hold your authenticated Apple device to the POS system. If you are an iPhone user, you can get authentication by holding your fingerprint to the phone’s Touch ID sensor or facial recognition via Face ID. Meanwhile, for your Apple Watch, authentication takes place by double-clicking a button on the device.
2. In-app purchases
If you want to make a purchase for any of these items in a supported iOS app, you can choose Apple Pay as your payment method and use Touch ID to authenticate, or you can simply ask Siri to do it for you.
3. Person to person and Apple Pay Cash
Unfortunately, at the moment, these two options are only available in the US and on selected Apple products. They allow you to send and receive money and pay for just about anything, going from splitting a bill, sending money to a family member, or paying the babysitter. You can do it directly with iMessage or by just asking Siri. When the other person gets the payment, that money is added to their Apple Pay Cash.