内容来源：https://lifehacker.com/tech/10-hacks-every-apple-wallet-user-should-know?utm_medium=RSS

内容总结：

苹果钱包隐藏技巧大揭秘：从刷公交到共享车钥匙的全攻略

对于苹果生态系统的用户而言，Apple Wallet（苹果钱包）不仅是数字支付、票据存储和转账的强大枢纽，更暗藏多项实用功能，能让你更快捷地使用卡片，并个性化设置iPhone和Apple Watch上的支付体验。以下是充分挖掘苹果钱包潜力的几大实用技巧：

1. 开启“快捷模式”，手机没电也能刷

苹果钱包的“快捷模式”允许你无需唤醒设备或验证面容ID、触控ID及密码，即可使用交通卡（及指定交通支付卡）、钥匙、学生证等兼容凭证。更重要的是，这些凭证依附于电池储备，即使iPhone电量耗尽，你依然能刷公交回家或开锁进门。设置方法：在钱包中选择卡片或钥匙，点击右上角“...”> 卡片详情 > 快捷交通设置或快捷模式。需注意，此模式无需认证，任何拿到你手机的人都可使用，建议仅为交通卡开启，钥匙类最好保留生物识别验证。

2. 生成虚拟卡号，无Apple Pay场景也能用

尽管Apple Pay日益普及，但仍有不少线上或电话支付场景不支持。此时，你可为Apple Cash生成虚拟卡号，既可用这笔资金直接消费，又能隐藏真实卡信息。操作路径：在钱包中点击Apple Cash卡，轻点屏幕顶部卡图标并验证身份即可获取卡号。每次使用自动填充或访问卡片，三位安全码都会动态更新。

3. 借助“快捷指令”按位置自动选卡

若你习惯用不同卡片支付不同消费（如一张买杂货返利高、另一张加油划算），可通过“快捷指令”设置自动化，让苹果钱包根据你的位置自动调出对应卡片，省去手动切换的麻烦。在快捷指令App的“自动化”标签中，点“+”新建“到达”某地触发，操作选择“打开卡片”，指定相应凭证即可。此功能同样适用于到店自动调出会员卡或积分卡。

4. 用“碰一碰转账”即时分账，无需交换联系方式

许多点对点支付工具需获取对方用户名、邮箱或手机号，而苹果钱包自带的Tap to Cash（碰一碰转账）可在两台iPhone或Apple Watch间瞬时转账，且无需透露任何私人信息。前提是提前设置好Apple Cash。使用时：打开钱包> Apple Cash卡> 选择“发送”或“请求”> Tap to Cash，输入金额，双击侧边按钮确认，然后将设备靠近对方即可。

5. 共享数字钥匙，自定义权限更安心

苹果钱包可安全存储多种数字钥匙：家庭、公寓、酒店、汽车及滑板车。设备靠近锁具时会自动弹出对应钥匙，也可开启快捷模式免验证。汽车和滑板车钥匙能分享给他人使用，且可自定义权限，比如禁止对方再次分享，或根据车企支持情况限制最高车速、收音机音量等。在钱包中选择车钥匙> 点“共享”，设置权限、可选激活码，再通过信息、邮件、WhatsApp或隔空投送发送即可。

6. 启用订单跟踪，所有快递尽在“掌”握

钱包不仅显示各卡片近期交易，还能统一追踪通过Apple Pay购买的商品物流。开启方法：设置> 钱包与Apple Pay> 订单跟踪。目前正在测试的苹果智能与Siri功能，还可从邮件中提取物流信息并自动更新至钱包，该功能为独立开关。回到钱包，点“...”> 订单即可查看。

7. 添加驾照至钱包，刷脸核验身份

苹果持续扩展钱包的数字身份功能，你可以将驾照、州身份证甚至护照存入其中，用iPhone替代纸质文件进行身份验证。这在机场安检（接受数字ID的TSA检查站）最实用，部分娱乐场所及App内验证也已支持。不过，目前仅少数州兼容。添加方法：钱包点“+”> 驾照与证件> 按提示操作。

8. 开启Mac支付授权，iPhone辅助确认

用Mac和Safari在线上购物时，Apple Pay支付相对顺畅，但若笔记本合盖扩展屏幕或使用无生物识别的老设备，就无法用触控ID验证。这时可在设置> 钱包与Apple Pay中开启“允许在Mac上支付”，随后即可通过iPhone或Apple Watch完成认证。非Safari浏览器仍需扫码，此为硬性限制。

9. 把实体卡“变”进钱包

图书馆卡、活动门票、会员卡等虽大多已原生支持苹果钱包，但仍有商家坚持发实体卡。若想数字化，可用MakePass或Pass2U Wallet等第三方应用扫描制作成钱包凭证。另据透露，iOS 27将推出原生“制作凭证”功能，由苹果智能直接支持。

10. 清理关联商家，移除闲置订阅

若你用Apple Pay支付订阅或月账单，可在钱包上方“...”> 预授权付款中查看商家列表，并可撤销支付令牌。但需注意，撤销令牌不会取消订阅或终止扣款，只是通知商家不再用Apple Pay方式扣款。真正取消或更改订阅，仍须前往商家平台操作。

中文翻译：

对于苹果生态系统用户而言，Apple Wallet（苹果钱包）是进行数字支付、存放票据和通行证以及转账的强大枢纽。此外，它还有一些隐藏功能，确保你能快速便捷地访问自己的卡片，并自定义它们在iPhone和Apple Watch上的使用方式。以下是你需要了解的技巧，助你充分利用Wallet。

将卡片添加到快捷模式，即使手机没电也能使用

Apple Wallet中的快捷模式允许你使用交通卡（以及专门用于交通的支付卡）、钥匙、学生证和其他兼容的通行证，而无需唤醒设备或通过面容ID、触控ID或密码进行验证。这些通行证还具备电池储备支持，因此即使你的iPhone完全没电也能使用。这意味着你仍然可以乘坐公共交通回家，或无需先给设备充电就能开门。在Apple Wallet中选择该卡片、通行证或钥匙，点击右上角的三个点 > 卡片详情 > 快捷交通设置或快捷模式。

需要注意的是，快捷模式不需要身份验证，因此任何能接触到你的设备的人都可以使用你的通行证。你可能希望将钥匙设置为需要生物识别验证，而仅将快捷模式用于交通卡——这种卡更可能需要即刷即走。

生成虚拟卡号，在不支持Apple Pay的地方使用Apple Cash

Apple Pay作为在线、应用内和实体店的支付方式越来越普及，但仍有很多地方不接受直接通过Apple Pay交易。如果你在网上购物或通过电话付款，可以为Apple Cash生成一个虚拟卡号，这样既能直接使用这些资金，又能隐藏你的真实卡信息。在Wallet中选择你的Apple Cash卡，点击屏幕顶部的卡片图标并验证身份即可获取该号码。每次使用自动填充或访问Wallet中的卡片时，三位安全码都会变化。

使用快捷指令，根据位置自动选择卡片

如果你针对不同类型的交易使用不同的支付卡——例如一张卡在购买日用品时积分更优，另一张适合加油——Apple Wallet可以根据你的位置自动推荐正确的卡片，这样你就不必记住哪张卡对应哪种用途，也无需每次结账时手动选择。（当你走进门店时，这项功能也能方便地调出电子会员卡或会员通行证。）这依赖于通过快捷指令创建的自定义自动化。在“资料库”标签页中，点击“+”按钮，在搜索栏输入“Card”，选择“打开卡片”。然后进入“自动化”，点击“+”，选择“到达”并添加位置。你可以选择自动化的运行时间，然后点击“下一步”。对于操作，选择“打开Wallet中的卡片”，选择相应的通行证或卡片，然后确认。

使用轻触付款（Tap to Cash）即时分摊账单，无需共享联系方式

许多点对点支付方式要求你获取对方的某种联系方式——如用户名、邮箱或电话号码。如果对方是你的朋友，或者你经常通过Venmo或Cash App等平台给他们付款，这可能不算麻烦。但你可以使用Apple Wallet内置的轻触付款功能，它可以在两部iPhone或Apple Watch之间即时转账，而无需共享私密联系方式。你只需提前设置好Apple Cash。当准备发送或接收资金时，打开Wallet，点击你的Apple Cash卡，选择“发送”或“请求”>“轻触付款”。输入金额，点击“下一步”，连按两次iPhone侧边按钮确认，然后将设备贴近对方的设备即可。

使用Wallet共享数字钥匙并设置自定义权限

Apple Wallet可以安全地存储多种不同类型的数字钥匙：家庭、公寓/共管公寓、酒店房间、汽车和电动滑板车。当你在锁具范围内时，设备会自动调出对应的钥匙，你还可以开启快捷模式，这样就不需要面容ID或密码验证。汽车和电动滑板车钥匙可以与其他人共享，这样其他驾驶者无需实体钥匙即可锁车、解锁和启动你的车辆。你还可以设置自定义权限，例如限制接收者再次共享的能力，并根据汽车制造商的不同，设置速度、收音机音量等方面的限制。

在Wallet中选择你的车钥匙并点击“共享”，设置可用权限，添加可选的激活码，然后选择接收人。你可以通过信息、邮件、WhatsApp和隔空投送等方式共享。

启用Apple Pay和邮件订单跟踪，在Wallet中查看所有包裹信息

除了显示每张卡的近期交易记录外，Wallet还可以作为跟踪使用Apple Pay购买商品的订单中心。你只需在“设置”>“Wallet与Apple Pay”>“订单跟踪”中开启此功能。（目前处于测试阶段的还有一项Apple智能和Siri功能，可以从邮件中提取信息来更新Wallet中的订单——这是“设置”中另一个独立的开关。）返回Wallet，点击右上角的三个点 >“订单”。

将驾照添加到Wallet，用iPhone验证身份

Apple持续扩展Wallet中的数字身份证件选项，你可以将驾照和/或州身份证以及护照添加到应用中，并使用iPhone——而非实体文件——来验证身份。实际上，这在乘坐飞机时最为实用，因为运输安全管理局（TSA）检查站接受数字身份证件。（需要注意的是，目前只有少数几个州支持Apple Wallet中的数字身份证。）你也可以在某些娱乐场所使用Wallet中的身份证，以及用于应用内验证。点击Wallet中的“+”号，选择“驾照和身份证”，选择要添加的证件类型，然后按照提示操作。

在Mac上启用付款功能，通过iPhone验证Apple Pay

虽然在使用Mac和Safari进行在线购物时Apple Pay相对无缝，但在某些情况下你无法仅通过触控ID来验证付款——例如笔记本电脑处于扩展坞中并合盖，或者你使用的是没有内置生物识别功能的旧设备。在非Safari浏览器中，你还需要用iPhone扫描生成的代码才能完成Apple Pay购买。虽然后者无法绕过，但你可以为前者启用“允许在Mac上付款”，这样在桌面端无法验证时，你可以通过iPhone或Apple Watch进行验证。前往“设置”>“Wallet与Apple Pay”>“允许在Mac上付款”。

将实体卡转换为Apple Wallet通行证

虽然许多类型的通行证——图书卡、活动门票、会员卡等——已经可以与Apple Wallet无缝集成，但有些商家仍然发放实体卡。如果你想将其数字化，可以使用MakePass或Pass2U Wallet等第三方应用来扫描并将不受支持的卡片添加到Apple Wallet。iOS 27即将推出“创建通行证”功能，将通过Apple智能原生实现这一操作。

审查关联商户，移除未使用的订阅

如果你使用Apple Pay进行定期扣款（如订阅和每月账单），可以直接在Wallet中查看商户列表。点击右上角的三个点，选择“预授权付款”。你也可以撤销支付令牌，不过Apple指出这不会取消你的订阅及相关付款——它只是通知商户不要再通过Apple Pay方式扣款。要真正取消或更改付款方式，你需要直接联系商户。

英文来源：

For those in the Apple ecosystem, Apple Wallet is a powerful hub for making digital payments, storing tickets and passes, and transferring cash. There are also a handful of hidden features that ensure you have quick and easy access to your cards and can customize how they're used on your iPhone and Apple Watch. Here are the hacks you need to know to get the most out of Wallet.
Add cards to Express Mode to use them even when your phone is dead
Express Mode in Apple Wallet allows you to use transit cards (and payment cards specifically for transit), keys, student IDs, and other compatible passes without waking your device or authenticating with Face ID, Touch ID, or your passcode. These passes are also available on a battery reserve, so you can still use them even if your iPhone is dead. This means you can still get home on public transit or unlock your door without needing to charge your device first. Select the card, pass, or key in Apple Wallet, tap the three dots > Card Details > Express Transit Settings or Express Mode.
It's worth noting that Express Mode would allow anyone with physical access to your device to use your passes since authentication isn't required. You may want to keep keys secured with biometrics and reserve Express Mode for transit cards, which you're more likely to need to tap and go.
Generate a virtual card number to use Apple Cash where Apple Pay isn't available
Apple Pay is increasingly accepted as a payment option online, in apps, and at brick-and-mortar merchants, but there are still plenty of places that won't accept a direct Apple Pay transaction. If you're shopping online or making a payment over the phone, you can generate a virtual card number for Apple Cash, which allows you to spend those funds directly and also keeps your real card information hidden. When you select your Apple Cash card in Wallet, tap the card icon at the top of the screen and authenticate to get the number. The three-digit security code will change each time you use AutoFill or access your card in Wallet.
Use Shortcuts to automatically select a card based on location
If you use different payment cards for different transaction types—one card offers better rewards on groceries while another is good for gas, for example—Apple Wallet can automatically suggest the correct one based on your location so you don't have to remember which is which or manually select a card each time you check out. (This is also handy for pulling up digital loyalty cards or membership passes as soon as you walk in the door.) This relies on a custom automation through Shortcuts. In the Library tab, tap the "+" button, type "Card" into the search bar, and select Open Card. Then go to Automation, tap "+," select Arrive and add the Location. You can select when to run the automation, then hit Next. For the Action, select Open Card in Wallet, select the pass or card, and confirm.
Use Tap to Cash to split bills instantly without needing contact information
Many methods of peer-to-peer payment require you to obtain some type of contact information—such as a username, email, or phone number—from the person you're sending money to or receiving money from. If they're your friend or you pay them often using a service like Venmo or Cash App, this probably isn't a hassle. But you could use Apple Wallet's built-in Tap to Cash, which transfers money instantly between two iPhones or Apple Watches without sharing private contact information. You simply need to have Apple Cash set up in advance. When you're ready to send or receive funds, open Wallet, tap your Apple Cash card, and select Send or Request > Tap to Cash. Enter the amount, tap Next, double-click your iPhone side button to confirm, and hold your device up to the other person's.
Use Wallet to share digital keys with custom permissions
Apple Wallet can securely store a few different types of digital keys: home, apartment/condo, hotel room, car, and scooter. Your device will automatically pull up the correct key when you're in range of the lock, and you can also enable Express Mode so you don't need to authenticate with Face ID or your passcode. Car and scooter keys can then be shared, so other drivers can lock, unlock, and start your vehicle without needing a physical key. You can also set custom permissions, such as restricting the recipient's ability to reshare and, depending on the car manufacturer, setting limits on things like speed and radio volume.
When you select your car key in Wallet and tap Share, set the available permissions, add an optional activation code, and choose your recipient. You can share via Messages, Mail, WhatsApp, and AirDrop, to name a few.
Enable Apple Pay and Mail order tracking to see all of your shipments in Wallet
In addition to showing you recent transactions on each of your cards, Wallet serves as a hub for tracking orders on purchases made with Apple Pay. You just have to enable this in Settings > Wallet & Apple Pay > Order Tracking. (Also in beta is an Apple Intelligence and Siri feature that can update orders in Wallet with information pulled from Mail—this is a separate toggle in Settings.) Back in Wallet, tap the three dots > Orders.
Add your driver’s license to Wallet to verify your identity with your iPhone
Apple has continued to expand its digital ID options within Wallet so you can add your driver's license and/or state ID as well as your passport to the app and use your iPhone—instead of the physical documents—to verify your identity. Practically speaking, this is most useful when flying, as digital IDs are accepted at TSA checkpoints. (It's worth noting that only a small subset of states have compatibility with Apple Wallet.) You may also be able to use your ID from Wallet at some entertainment venues, as well for in-app verifications. Tap the "+" sign in Wallet, select Driver's License and ID Cards, choose the ID you want to add, and follow the prompts.
Enable payments on Mac to authenticate Apple Pay from your iPhone
While Apple Pay is relatively seamless for online purchases if you're using a Mac and Safari, there are other cases where you can't authenticate payment simply by using Touch ID—for example, you have your laptop docked and closed or you're using an older device without built-in biometrics. On a non-Safari browser, you also have to scan a generated code with your iPhone to complete an Apple Pay purchase. While you can't get around the latter, you can enable Allow Payments on Mac for the former, which then lets you authenticate from your iPhone or Apple Watch if it's not possible to do on desktop. Go to Settings > Wallet & Apple Pay > Allow Payments on Mac.
Convert physical cards into Apple Wallet passes
While many types of passes—library cards, event tickets, membership passes, etc.—already integrate seamlessly with Apple Wallet, some businesses may still hand out physical cards. If you want to digitize, you can use a third-party app like MakePass or Pass2U Wallet to scan and add unsupported cards to Apple Wallet. iOS 27 is coming out with a Create a Pass feature that will do this natively via Apple Intelligence.
Audit your connected merchants to remove unused subscriptions
If you use Apple Pay for recurring charges, such as subscriptions and monthly bills, you can view a list of merchants right in Wallet. Tap the three dots in the upper right corner and select Preauthorized Payments. You can also revoke payment tokens, though Apple notes that this won't cancel your subscription and associated payment—rather, it'll simply communicate to the merchant not to charge the Apple Pay method again. To actually cancel or change your payment method, you'll have to go directly to the merchant.