The article provides instructions on how to set up Apple Pay on an iPhone 12 and how to use it to make payments at NFC terminals.

Apple Pay is a handy feature of recent iPhones, and is of course also available on the iPhone 12. If you've never used it before, here's a quick guide to setting it up.

To find Apple Pay, tap Utilities > Wallet.

An explanation of how Apple Pay works will appear on the screen. Read it, then tap Continue.