Touch ID can confirm Apple Pay purchases with a fingerprint, which is fast but also means anyone whose fingerprint is saved on your iPhone can pay. If you’d rather use your passcode for payments, you can turn off Touch ID for Apple Pay while keeping it for unlocking your phone. This guide shows how, how the passcode works instead, and how to disable Apple Pay entirely if you want. It applies to iPhones with Touch ID, such as the iPhone SE and iPhone 8 and earlier.
Quick Answer
Go to Settings > Touch ID & Passcode, enter your passcode, and under Use Touch ID For, turn off Wallet & Apple Pay (or Apple Pay on older iOS). Payments will then ask for your passcode.
Turn Off Touch ID for Apple Pay
- Open Settings.
- Tap Touch ID & Passcode and enter your passcode.
- Under Use Touch ID For, switch off Wallet & Apple Pay.
Touch ID still unlocks your iPhone and works for other items you leave on, such as iTunes & App Store or Password AutoFill.
Paying With Your Passcode Instead
- Double-click the Home button (if enabled) or open Wallet and select your card.
- Tap Pay with Passcode and enter your passcode.
- Hold the top of the iPhone near the reader.
Stop Double-Clicking the Home Button From Opening Wallet
Go to Settings > Wallet & Apple Pay and turn off Double-Click Home Button. This prevents Wallet from appearing when you double-click on the Lock Screen.
Remove a Card or Turn Off Apple Pay Entirely
- Remove a card: open Wallet, tap the card, tap ⋯ > Card Details, scroll down and tap Remove Card.
- Remove all cards remotely: if your iPhone is lost, sign in to your Apple Account on the web or use Find My and choose Mark As Lost, which suspends Apple Pay.
Only You Should Have Fingerprints Saved
If a family member’s fingerprint is saved, they can make Apple Pay purchases when Touch ID is on for Apple Pay. Review fingerprints in Settings > Touch ID & Passcode; touch the Home button to highlight which print matches, and delete ones you don’t recognize.
For Safari’s Apple Pay check, see disabling Check for Apple Pay.
Frequently Asked Questions
Will turning this off affect App Store purchases?
No. iTunes & App Store has its own switch on the same screen.
Can I use Apple Pay without any Touch ID?
Yes. With Touch ID off for Apple Pay, you authorize payments with your passcode.
Is this the same on Face ID iPhones?
Similar: go to Settings > Face ID & Passcode and turn off Wallet & Apple Pay.
Summary
- Settings > Touch ID & Passcode.
- Turn off Wallet & Apple Pay.
- Pay with your passcode instead.
- Remove extra fingerprints or cards if needed.
Kermit Matthews is a freelance writer based in Philadelphia, Pennsylvania with more than a decade of experience writing technology guides. He has a Bachelor’s and Master’s degree in Computer Science and has spent much of his professional career in IT management.
He specializes in writing content about iPhones, Android devices, Microsoft Office, and many other popular applications and devices.