Apple Pay - Frequently Asked Questions

APPLE PAY BASICS

  1. What is Apple Pay?
  2. Is Apple Pay safe?
  3. What type of device do I need to use Apple Pay?
  4. Do all merchants accept Apple Pay?
  5. Is Apple Pay available internationally?

USING APPLE PAY

  1. How do I begin using Apple Pay?
  2. How do I make my Institution for Savings Debit Card my default card?
  3. How do I use Apple Pay to make purchases with my iPhone 6 or 6 Plus?
  4. How do I use Apple Pay to make purchases with my Apple Watch?
  5. Will I have to enter a PIN or sign a receipt?
  6. What stores and mobile apps accept Apple Pay?
  7. How will Apple Pay transactions appear on my statement?
  8. Will Passbook show my recent transactions?
  9. What if I need to return an item?

MANAGING APPLE PAY

  1. What should I do when I receive a new or replacement debit card?
  2. What should I do if I lose, replace, or update my device?
  3. If I sell or give my Apple device to someone else, what will happen to the digital account information on the device?
  4. Where can I view and manage my debit card in Apple Pay?

 

APPLE PAY BASICS

1. What is Apple Pay?

Apple Pay is a convenient new way to pay at hundreds of thousands of merchants and mobile apps using your Institution for Savings Visa® Debit Card and your iPhone 6®, 6 Plus®, Apple Watch®, iPad Air 2® or iPad mini 3™. Reaching for your wallet will become a thing of the past!

Return to Top

2. Is Apple Pay Safe?

Yes. Apple Pay is even more secure than using a traditional card. Instead of using your actual debit card number, Apple Pay assigns, encrypts and stores a unique device account number on a dedicated chip on your device. When you make a purchase, that device account number is used to process your payment. Your actual debit card number is never shared with merchants or transmitted with payment, helping reduce the potential for fraud.

Return to Top

3. What type of device do I need to use Apple Pay?

To use Apple Pay in stores you must have an iPhone 6 or 6 Plus or an Apple Watch. Within mobile apps, Apple Pay is compatible with iPhone 6, 6 Plus, iPad Air 2 or iPad mini 3.

Return to Top

4. Do all merchants accept Apple Pay?

Not all merchants have adopted this technology. Please continue to carry your actual debit card to use where Apple Pay is not accepted. Most merchants will display the contactless payment and/or Apple Pay symbol to let you know they accept contactless payments. A list of merchants and mobile apps that accept Apple Pay can be found here.

Return to Top

5. Is Apple Pay available internationally?

At this time, Apple Pay is only available in collaboration with certain U.S. financial institutions. The availability of Apple Pay outside the U.S. is determined by Apple.

Return to Top

 

USING APPLE PAY

1. How do I begin using Apple Pay?

Before making a payment with your Apple device you will need to follow a few simple steps to enroll in Apple Pay and add your Institution for Savings Debit Card.

Please note:  If you wish to use the same debit card on both your Apple Watch and iPhone 6 or iPhone 6 Plus, you must add the debit card twice, once to the Passbook app using the first method listed above for the iPhone, and again as described for the Apple Watch. Debit cards added in one Apple Pay management app are not automatically transferred between paired devices. You can use your debit card on up to 10 devices.

Return to Top

2. How do I make my Institution for Savings Debit Card my default card?

If your debit card is not already recognized as the default card, do the following:

Return to Top

3. How do I use Apple Pay to make purchases with my iPhone 6 or 6 Plus?

First, make sure that the merchant accepts Apple Pay. Look for these contactless payment and/or Apple Pay symbols at checkout.

When making purchases using the iPhone 6 or iPhone 6 Plus at a merchant equipped with a contactless payment terminal, simply hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep will let you know your purchase was successful.

Return to Top

4. How do I use Apple Pay to make purchases with my Apple Watch?

First, make sure that the merchant accepts Apple Pay.  Look for these contactless payment and/or Apple Pay symbols at checkout.

  

Once you confirm that the merchant accepts Apple Pay, unlock your Apple Watch if needed by entering your four digit PIN.  Double Tap the small button on the side of the Apple Watch to display your debit card. To make a payment, hold the Apple Watch a few centimeters away from the contactless payment terminal with the display facing towards the reader. A gentle vibration and beep will let you know your purchase was successful.

Return to Top

5. Will I have to enter a PIN or sign a receipt?

It depends on the merchant. In some cases you may need to sign a receipt or enter your PIN. If asked to verify the last four digits of your debit card number when making a purchase, provide the last four digits of the device account number. The device account number can be found by selecting the Settings icon on your compatible Apple device (Apple Watch users launch the Apple Watch app). Then scroll down to Passbook & Apple Pay, select the card and scroll down to view the Device Account Number.

Return to Top

6. What stores and mobile apps accept Apple Pay?

You can use Apple Pay to make payments in stores and within mobile apps that display the contactless payments and/or Apply Pay symbols at checkout.

  

Currently, you can use Apple Pay at more than 220,000 locations, including Bloomingdale's®, McDonald's®, Macy's®, Nike® and Staples®. For a complete list of merchants, click here.

Return to Top

7. How will Apple Pay transactions appear on my statement?

All transactions completed with Apple Pay will appear on your Institution for Savings statement as a typical point-of-sale transaction.

Return to Top

8. Will Passbook show my recent transactions?

When you view your Institution for Savings Debit Card in Passbook, you will see the last transaction for each debit card. You can also view the 10 most recent transactions for each debit card. Just select the card in Passbook, then select Transactions.

Return to Top

9. What if I need to return an item?

The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your iPhone 6, iPhone 6 Plus or Apple Watch over the contactless payment terminal and wait for the slight vibration of the device to confirm the refund has been processed. You must use the same Apple Pay enabled device you used to purchase the item to process the return.

Return to Top

 

MANAGING APPLE PAY

1. What should I do when I receive a new or replacement debit card?

When your debit card enrolled in Apple Pay expires, or is replaced due to loss, theft or fraud, you will need to add it to Apple Pay as if it were new – either using the device camera or by manually adding the information. You must first delete your old debit card from Apple Pay.

Return to Top

2. What should I do if I lose, replace, or update my device?

If you misplace your Apple Pay device, you can use the Find My iPhone app to temporarily suspend the device account number. If you believe that card is lost or stolen, you should do one of the following:

Please note that when you report your card as lost or stolen, a replacement card will not be automatically reordered for you. To order a new or replacement ATM or Debit Card, please visit one of our offices.

You can continue to make purchases using your actual debit card even when the device account number is suspended on Apple Pay.

If you replace or update your Apple device, your debit card will not be transferred automatically. You will need to set up Apple Pay again and add your debit card to the new device.

Return to Top

3. If I sell or give my Apple device to someone else, what will happen to the digital account information on the device?

When selling or giving away your Apple device you should make sure you delete all digital accounts in Apple Pay. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts.

Return to Top

4. Where can I view and manage my debit card in Apple Pay?

For iPhone 6, 6 Plus, iPad Air 2 and iPad mini 3: You can view and manage your debit card in Apple Pay by going to Settings and selecting Passbook & Apple Pay. By selecting your debit card, you can view Transactions and manage the settings associated with your debit card. iPhone 6 can also view by tapping the  where you can view Transactions and manage the settings associated with your debit card.

For iPhone 6: You can also view and manage your debit card in the Passbook app. When you select your debit card,

For Apple Watch (when paired with iPhone 5, 5C or 5S): You can view and manage your debit card within the Apple Watch app on your iPhone 5, 5C or5S. Simply tap on your debit card to manage the settings associated with your debit card. The Apple Watch app will not display transaction detail or transaction history.