1. Open your phone’s Wallet app (Apple Pay) or Google Pay app. If you dont know where this is you can search for the app on your smartphone. 2. Tap “Add Card” and follow the steps to scan or enter your debit/credit card details. 3. Your bank may ask for verification via app or text -follow the steps to complete it. 4. Once added, your card details are encrypted and won’t be shown when paying online. 5. Visit a website or app that accepts Apple or Google Pay. 6. At checkout, look for the Apple Pay or Google Pay option and tap it. 7. Confirm your payment using Face ID, fingerprint, or your phone’s passcode. 8. You’ll usually see a tick or confirmation message once payment is complete. 9. Use official websites only - avoid paying through any pop-ups or suspicious pages. 10. Keep your phone secure with a passcode, and never share your device unlock with anyone.