How to Add or Change Your Apple ID Payment Method

On iPhone or iPad

1. Open Settings and tap your name
2. Tap Payment & Shipping
3. To add a card, tap Add Payment Method
4. To remove an old one, tap Edit, tap the red delete button next to it, then tap Remove

On a Mac

1. Open the App Store and click your name at the bottom of the sidebar
2. Click Payment Methods
3. Click Add Payment Method, or click Edit and then Remove Payment Method to take one off

On a Windows PC or the web

• On a Windows PC: click your name at the bottom of the sidebar, click View My Account, then click Manage Payments next to Payment Information
• On the web: Apple’s support article links to the billing page of your account at apps.apple.com, where you can update your payment method

Which payment method Apple charges first

Apple’s Media Services Terms say that your primary payment method appears at the top of your account’s payments page, and: “If your primary payment method cannot be charged for any reason (such as expiration or insufficient funds), you authorize Apple to attempt to charge your other eligible payment methods in order from top to bottom as they appear on your account settings payments page.”

So put the card you want charged at the top. Apple’s support article also explains how to change the order in which your payment methods are billed. If the top card is prepaid, keep enough on it for the next charge, or Apple moves on to the next one in the list.

iCloud+ and Family Sharing

• iCloud+ is billed monthly once you upgrade. Apple accepts credit cards, debit cards and Apple Account balance for iCloud+, and if your balance does not cover the plan, the remaining amount is charged
• If you cancel iCloud+, Apple says your iCloud storage goes back to the free 5 GB plan
• With Family Sharing purchase sharing, Apple’s terms say the organizer’s payment methods pay for purchases family members make, except when a member’s account has store credit, which is always used first. So the organizer’s card is the one that needs to work
• Apple’s terms also say all family members must share the same Home Country

Adding one of our cards

1. Open the card detail page and use the copy buttons for the card number, expiry and CVC instead of retyping them
2. Enter the cardholder name and the billing address exactly as shown on the card detail page. Apple’s support article says your billing details must match the information on file with your financial institution; watch out for iPhone or browser autofill replacing them
3. For an Apple Account set to the United States, use a card from a US-issued BIN range: Apple lists most credit and debit cards among the payment methods it accepts there
4. Keep enough on the card for the next charge, including tax. In our data, adding a card shows up as a $0 authorization; the first real charge comes with your first purchase or renewal

Over the last 90 days (2026-08-07 to 11-04), about two thirds of Apple authorizations on our cards were those $0 checks, and none asked for 3D Secure. About 3 in 10 people had an Apple charge declined at least once, most often because the card balance was below the charge.