Apple Pay Frequently Asked Questions

What devices can I use with Apple Pay?

Apple Pay will work with iPhone® 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPad mini™ 3, and iPad Air® 2.

Why doesn't Apple Pay work on older devices?

The technology required for Apple Pay, Near Field Communication (NFC) and a secure element chip, was not available on previous devices.

Is Apple Pay secure?

Yes. Apple introduced a two-part security solution for Apple Pay. You must authenticate the transaction with your fingerprint using Touch ID™. Plus, your account information is not stored on the device. Instead, a unique Device Account Number is stored securely on the individual device. Even if someone hacked your phone, no account information can be stolen.

What is a Device Account Number?

For security and to protect your card number, a Device Account Number (sometimes referred to as a token account number) is created when you add your credit card to Apple Pay. This is a separate and unique device-specific number linked to your credit card. This Device Account Number may be different from your plastic card number. The last four digits of your Device Account Number are listed under the last four digits of your credit card number. To locate it, tap Wallet & Apple Pay, tap the card, and scroll down. It should be used whenever an Apple Pay merchant requests the last four digits of your credit card number.

When will Apple Pay work in other parts of the world?

You can use Apple Pay for purchases with your iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus now in stores that accept contactless payments.

What is a contactless payment?

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

Will I be charged a fee for Apple Pay?

The Credit Union will not charge our Members a fee to use Apple Pay.

Which Credit Union cards will I be able to use with Apple Pay?

Our Mastercard Platinum Rewards and Select Credit Cards can be used with Apple Pay. Your Debit Mastercard will be eligible for Apple Pay in the near future.

What is a default card for Apple Pay?

Your default card for Apple Pay is the card that is automatically used every time you make a purchase.

How do I set my credit card as my default card for Apple Pay?

Go to Settings, Wallet & Apple Pay, and select Default Card. Choose your credit card as your default. You only need to do it once.

Can I put multiple cards on my Apple device?

Yes. At this time Apple, allows up to eight cards on your device.

Can I put the same card on multiple devices?

Yes. You can add a card on up to 10 devices, enabled with Apple Pay.

Once I add my credit card, how can I suspend or remove a card from a device?

You can remove a card by selecting "Remove Card" in the Wallet & Apple Pay application.

Or, if you have an iCloud account, go to Settings on

1. Click an Apple device listed below My Devices. If you don't see the My Devices section, your account just has access limited to iCloud Web-only features. To gain access to other iCloud features, set up iCloud on your Apple device.

2. Below the list of cards on the right, click Remove or Remove All.
If you remove a card from an Apple device set up to use Apple Pay, the ability to spend using that card is removed, even if the device is offline. After removing the card, you can add it back using the Wallet (or Passbook) app on your device.
You can also use the Find My iPhone app to temporarily suspend or permanently cancel the ability to pay with a card on your device.

How do I get a refund or return merchandise with Apple Pay?

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional credit or debit card payment. To see the last four digits of the Device Account Number, go to Wallet & Apple Pay, tap the card, and scroll down to locate. If the cashier needs your card details to process the return, you can follow the same steps for making a payment. Hold your phone near the reader, select the card you used to make the original payment, and authorize the return with Touch ID or your passcode. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your statement.

What happens when the Credit Union sends me a new card after it is added to Apple Pay?

When a new card is issued with an updated expiration date or new card number, you'll need to remove the old card from Apple Pay using the "Remove Card" option and add the new card.

What if my Apple device is lost or stolen after I have added my debit card?

If your Apple device is lost or stolen, you need to notify your mobile carrier and call the Member Service number located on the back of your card promptly. Mention that you participate in Apple Pay so that we can disable your token account number for use with Apple Pay. If you locate your device, contact us because in some cases, we can reactivate the token on your phone before making any Apple Pay purchases.

You can also go to or the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay.

If I'm having issues with my devices software or hardware, what should I do?

If you are having difficulty with your software or hardware, please contact Apple (