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I don't remember all of it - I think I just had my card in my hand, opened the passbook app and input the number. It did some kind of activation behind the scenes… anyway - now when I go to home depot, I just hold my phone up to the card reader, put my finger on the home button and the reader beeps, my phone buzzes and it shows that I paid. Kinda cool. EDIT: I just remembered - actually - I think you can even use the camera to capture your card info. It was super easy. My credit card just worked, but I think I had to log into my bank account online to activate the debit card.