Passes can also be distributed online via Safari, sent to the user via email, or scanned using the built-in scanner in Wallet.

Since then, supported payment cards, as well as some stored-value transport cards (such as Octopus or Suica) could be used to pay for journeys on certain public transport networks without requiring the user to authenticate the payment with Touch ID or Face ID, or even needing to wake the device.

Since the initial functionality launched, Express Mode has expanded along with the number of card schemes Wallet supports.

In its simplest form, an interaction (or transaction) between a pass and a system is facilitated by a 2D barcode or the modern QR code although it requires the customer to initiate the activity.In late 2014, the first known implementations utilizing the iBeacon wireless Geo-fence started to appear in retail locations in the US.

The iBeacon solutions allowed the retailer to broadcast an unsolicited lock-screen notice onto smartphones within Bluetooth range.

[16] In 2015, Apple incorporated the ability to present a loyalty card in Wallet to a Payment terminal via NFC.

To get a Suica, you could buy one digitally from Apple Wallet, or get a physical one from a JR East station and transfer the card balance to an iPhone.

Such credentials operate in a similar manner to physical RFID cards in that they can be tapped to supported readers.

[20] The power reserve feature on select iPhones and Apple Watches allows for continued use of the card even when the battery is depleted as long as Express Mode is enabled.

Such keys can be shared with friends and family, and permissions can be set per member, such as how fast they can go and whether or not some vehicle-specific features can be enabled/disabled or not.

[22] In 2021, Apple announced the ability to store government-issued ID cards, resort passes, home keys, and business credentials in Wallet.

As of October 2024, seven U.S. States offer the ability to store a IDUS within the wallet app, those being Arizona, California, Colorado, Georgia, Hawaii, Maryland, and Ohio.

[29] Goldman Sachs also offers a savings account to Apple Card holders, with a maximum annual percentage yield of 4.15%.

Programs that support One Tap are conveyed at the same time as a payment card stored in Apple Wallet.

Conversely, Two Tap programs are redeemed in a sequential manner, where a loyalty pass is scanned first, and then the payment can be presented.

[38][39] For public transport systems where payment cards can be used & Express Mode is supported, passengers can travel with Apple Pay without authenticating each transaction.

Transit cards that support direct provisioning can be issued within the Apple Wallet app itself, without needing to download a separate third-party application.

Express Transit/Travel mode is available in the following places:[57][58] In addition to the above scenarios, Apple Pay can still be used with other non-Express Transit/Travel readers that accept contactless open loop payment cards, but they will have to be verified beforehand.