How to pay your Apple Card
You pay your Apple Card through the Wallet app on your iPhone, iPad, or Mac. Open Wallet, tap your Apple Card, then tap the card balance or the three dots menu and select "Pay." You can pay the full balance, the minimum payment, or any amount in between. The payment posts to your account within one to three business days.
Apple Card is issued by Goldman Sachs, and payments go directly to your account with them. You do not mail a check or visit a bank branch. All payments happen through Apple's Wallet app, which is the only way to manage this card.
Key Takeaways
- Open Wallet on your iPhone, iPad, or Mac, select your Apple Card, and tap to pay your balance through the app.
- You can pay the full amount due, the minimum payment, or any amount between the two.
- Payments process within one to three business days and must be made by the due date shown on your statement to avoid interest charges.
- If you miss a payment, contact Goldman Sachs customer service through the Wallet app to discuss your options.
- You can set up automatic payments in the Wallet app so your bill pays on the same date each month.
Step-by-step payment through Wallet
Start by opening the Wallet app on your device. On iPhone, Wallet is on your home screen. On iPad or Mac, find it in your apps or Launchpad.
Tap your Apple Card in the Wallet app. You will see your card image and your current balance. Below the balance, you will see a "Pay" button or a three-dot menu icon. Tap either one.
If you tapped "Pay," you move straight to the payment screen. If you tapped the three dots, select "Pay" from the menu that appears. Enter the amount you want to pay — you can type in a specific dollar amount, or tap "Pay Full Balance" or "Pay Minimum" to use those preset amounts.
Review the amount and tap "Pay" or "Confirm." Your payment is submitted when ready. You will see a confirmation screen with the transaction details and the expected posting date.
Setting up automatic payments
Automatic payments remove the need to log into Wallet each month. Open Wallet, tap your Apple Card, tap the three dots menu, and select "Card Settings." Scroll to "Automatic Payments" and toggle it on.
Choose which date each month you want the payment to occur — this can be any day from the 1st to the 28th. Select whether you want to pay the full balance, the minimum payment, or a fixed amount you set yourself.
Once automatic payments are on, your chosen amount will be withdrawn from your linked bank account on that date each month. You can turn automatic payments off or change the amount at any time through the same Card Settings menu.
Payment important date and due dates
Your due date appears on your monthly statement and in the Wallet app under "Account." Payments must arrive by 11:59 p.m. Pacific Time on your due date to avoid a late fee and interest charges on your balance.
Payments posted to your account within one to three business days. If you are close to your due date, make your payment at least three business days early to may support it arrives on time. Weekends and holidays do not count as business days.
If you miss your due date, Goldman Sachs will charge a late fee and begin charging interest on your remaining balance. The amount of the late fee depends on your balance and your account history.
Paying from a different device
You can pay your Apple Card from any iPhone, iPad, or Mac that has your Apple Card set up in Wallet. Sign in with your Apple ID, open Wallet, and follow the same payment steps.
You cannot pay through the web or through a phone call to Goldman Sachs. The Wallet app is the only payment method available for Apple Card. If you do not have access to a device with Wallet, contact Goldman Sachs customer service through the app to discuss alternatives.
What to do if a payment fails
If your payment fails, Wallet will show an error message explaining why. Common reasons include insufficient funds in your linked bank account, an expired or invalid bank account, or a network connection problem.
Check that your linked bank account has enough money and that the account information is current. Try the payment again. If it fails a second time, tap the error message for more details or contact Goldman Sachs customer service through Wallet.
A failed payment does not count as a late payment, but your balance remains unpaid. You must complete the payment before your due date to avoid late fees and interest.
Contacting Goldman Sachs about your account
Open Wallet, tap your Apple Card, tap the three dots menu, and select "Help." From there you can message Goldman Sachs customer service, view your account details, or report fraud.
You can also call Goldman Sachs directly at the number on the back of your physical Apple Card. Customer service is available 24 hours a day, seven days a week. Have your card number and account information ready when you call.
Frequently Asked Questions
Can I pay my Apple Card with a different payment method?
No. Wallet is the only way to pay an Apple Card. You cannot pay by check, bank transfer, phone call, or any other method. Your payment must come from a bank account you have linked to your Apple ID in Wallet.
What happens if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or contact Goldman Sachs to request a refund to your bank account.
How long does it take for a payment to show up?
Payments post within one to three business days. Your available credit updates when ready after you submit the payment, but the transaction may not appear in your statement for a few days.
Can I schedule a payment for a future date?
No. Payments process when ready when you submit them through Wallet. You can set up automatic payments for a specific date each month, but you cannot schedule a one-time payment for a future date.
What if I cannot access Wallet on my device?
Make sure you are signed in with the Apple ID that has your Apple Card set up. If Wallet is not working, restart your device and try again. If the problem continues, contact Goldman Sachs customer service through the Wallet app or call the number on the back of your card.