To use Apple Pay while your phone is locked, just double tap the home button.

Like with the other payment options, you'll need to verify your card using a text message or email code sent to you from your bank.

Just center it in the frame and Apple Pay will grab all of the details, or you can enter them manually.

Next, use the camera viewfinder to scan in your card.

If you don't have Touch ID setup yet, you'll be walked through registering your fingerprints.

If you don't see any credit cards under the Pay icon, tap the + button at the top-right of the screen to add one.

If you're not sure, open up the Apple Wallet application, which is pre-installed on your phone. Apple's iPhone asks if you want to get started while you're initiating your phone for the first time, and Apple Pay can be used in the App Store or for mobile payments. You might already have Apple Pay set up without knowing it.

Samsung Pay is even offering a temporary promotion for a free $20 gift card for registering your first card, which you can use anywhere Samsung Pay is accepted.

Samsung lets you swipe up from the bottom of the home screen to easily access your cards when you're ready to pay, and you'll verify your identity with a pre-set pin code or your irises (if you have a newer Galaxy S8 or Galaxy S8+ smartphone.

You'll need to confirm your card with a code sent to you via email or text message from your bank.

This allows your phone to capture the card number, expiration date and your name.

Use the camera viewfinder to center your credit card.

Tap credit/debit cards and then tap 'Add.'.

This is where you'll also create a PIN for accessing your cards before payment.

If you're prompted to sign in, use your Samsung account credentials or create an account.

(If for some reason you don't have it, get it here.) Open up Samsung Pay, which should be pre-installed on your Samsung smartphone.Personal Loans for 670 Credit Score or Lower Personal Loans for 580 Credit Score or Lower Best Debt Consolidation Loans for Bad Credit

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