Apple Pay

Using Apple Pay

Where can I use Apple Pay?

You can use your device to make a payment using Apple Pay in stores or anywhere you can tap and pay. Apple Pay can also be used within apps or on participating websites wherever they see the buy with Apple Pay mark.

How do I make payment in stores with an iPhone?

Pay with iPhone with Face ID:

• To use your default card, double-click the side button, then glance at your iPhone to authenticate
  with Face ID, or enter your device passcode.
• Hold the top of your iPhone within a few centimetres of the contactless reader until you see Done and a tick on the display.

Pay with iPhone with Touch ID:

• To use your default card, rest your finger on Touch ID.
• Hold the top of your iPhone within a few centimetres of the contactless reader until you see Done and a tick on the display.

How to use Apple Pay link: support.apple.com/en-au/HT201239

How do I make payment in stores with an Apple Watch?

Pay with Apple Watch

• To use your default card, double-click the side button and hold the display of your Apple Watch within a few centimetres of the contactless reader.
• Wait until you feel a gentle tap.
• When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects skin contact has been lost and Apple Pay and the NFC feature are deactivated.

How do I make payment within an app or on participating websites?

With your iPhone, iPad and Apple Watch, you can use Apple Pay to pay within apps when you see Apple Pay as a payment option.

To pay with Apple Pay within an app:

• Tap the Apple Pay button or choose Apple Pay as your payment method.
• Check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap next to your card.
• If you need to, enter your billing, shipping and contact information on your iPhone or iPad. Apple Pay will store that information, so you won't need to enter it again.
• Confirm the payment. When your payment is successful, you'll see Done and a tick on the screen.
• iPhone X or later or iPad with Face ID: Double-click the side button, then use Face ID or your device

Passcode:

• iPhone 8 or earlier or iPad without Face ID: Use Touch ID or your device passcode.
• Apple Watch: Double-click the side button.

Can I use Apple Pay to make a payment on the web in Safari?

Yes. With your iPhone or iPad:

• Tap the Apple Pay button.
• Check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap next to your card.
• If you need to, enter your billing, shipping and contact information. Apple Pay will store that information, so you won't need to enter it again.
• When you’re ready, make your purchase and confirm the payment.
• iPhone X or later or iPad with Face ID: Double-click the side button, then use Face ID or your device passcode.
• iPhone 8 or earlier or iPad without Face ID: Use Touch ID or your device passcode.
• Apple Watch: Double-click the side button.
• When your payment is successful, you’ll see Done and a tick on the screen.

With your Mac models with Touch ID:

• Tap the Apple Pay button.
• Check your billing, shipping and contact information to make sure that they're correct. To pay with a different card instead of your default card, click next to your default card and select the card you want to use.
• If you need to, enter your billing, shipping and contact information. Apple Pay will store that information, so you won't need to enter it again.
• When you're ready, make your purchase. Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen. When your payment is successful, you'll see Done and a tick on the screen.

With other Mac models:

• You need an iPhone or Apple Watch to confirm payments. Make sure that you're signed in with the same Apple ID on all your devices.
• Make sure you've turned on Bluetooth on your Mac.
• Tap the Apple Pay button.
• Check your billing, shipping and contact information to make sure that they're correct. To pay with a different card instead of your default card, click next to your default card and select the card you want to use. You can choose credit and debit cards or Apple Cash from any iPhone or Apple Watch that is nearby and signed into the same iCloud account.
• If you need to, enter your billing, shipping and contact information. Apple Pay will store that information on your iPhone, so you won't need to enter it again.
• When you're ready, make your purchase and confirm the payment.
• iPhone X or later: Double-click the side button, then use Face ID or your device passcode.
• iPhone 8 or earlier: Use Touch ID or your device passcode.
• Apple Watch: Double-click the side button.
• When your payment is successful, you'll see Done and a tick on the screen.

Is there a transaction limit when using Apple Pay in store?

No, there is no transaction limit for Apple Pay transactions. Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

How do I return an item purchased with Apple Pay in stores?

You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.

You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by
opening the Wallet app and tapping the symbol in the top right corner and then scrolling down to find Device Account Number.

Will I be able to view my Apple Pay transactions within the Wallet app?

Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet
app.

Will I be able to view my Apple Pay transactions in my bank statement?

Transactions will appear as they normally do on a bank or credit card statement.

Is Apple Pay secure?

Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.

Other features which help to keep your payments secure and safe include:

iPhone and iPad

All transactions require authentication using Face ID, Touch ID (if enabled), or by entering the device passcode.

Apple Watch

Payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.

Please note: you should never share your device passcode, or register more than one person’s Face ID, or Touch ID, while your card is registered to Apple Pay.

What happens if there is a problem with my Apple Pay transaction?

If the issue is card-related, please contact us. If the issue concerns the Mobile Wallet, we will endeavour to assist you, but please note that responsibility for the Mobile Wallet remains with the mobile wallet provider.

Firefighters Mutual Bank:

• Is not liable for losses that members incur except as specifically described in the Terms of Use, the Payment Code or as otherwise provided by law.
• Is also not liable for any loss, injury or inconvenience if members suffer as result of of a merchant refusing to accept a Mobile Wallet.
• Is not responsible if there is a security breach affecting any information stored in a Mobile Wallet or sent from a Mobile Wallet. This is the responsibility of the Mobile Wallet provider.