Make Purchases with Apple Pay
Since we’re so used to living in a connected world, you might be surprised to know that Apple Pay works from your Apple Watch even when you don’t have an internet connection.
Since your Apple Pay credentials are stored securely on your Apple Watch, you don’t need your iPhone nearby to make purchases with Apple Pay, and when you do tap your watch against a payment terminal, it’s the terminal that needs to be online; the Apple Watch works just like a physical payment card.
Of course, you won’t get notifications of your transactions until your Apple Watch returns to a Wi-Fi network, but the payment will still go through.
One word of caution, though: Your Apple Watch uses its own Device Account Number (DAN) for each of your Apple Pay cards, separate from the one on your iPhone. This means if you’re returning a product that you purchased with your Apple Watch, you’ll need to use your Apple Watch to process the refund.