Do I need an internet connection to make payments through Apple Pay?
You do not need any type of internet connection to use Apple Pay in stores.
Apple Pay in stores uses the NFC chip (Near Field Communications) to transfer the payment information to the store's terminal. There is no internet connection required.
Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Wallet, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531