Use Apple Pay and Wallet

The first time you use your Apple Watch to pay for something feels almost like science fiction: You activate Apple Pay, move your wrist close to a payment terminal, and then…well, that’s it. You may have to enter your card’s PIN, but otherwise you’re done. “Frictionless” is a perfect description. It’s also extremely safe. Instead of handing a credit card number over to be stored in a merchant’s database, Apple Pay sends a token that matches up with the card you set up; even if the data were to be intercepted, it’s useless to an attacker.

Even more convenient? In some cities, such as New York City, you can tap your watch on the terminals that grant access to the subway. No need to fumble for a card or discover that its ...

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