Apple Pay

Using Apple Pay is simple and it works with the devices you use every day. Find here all that you need to know about this easy, secure and private way to pay.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105 

No, it does not cost you anything extra to use Apple Pay.

The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.

You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.

 

Adding a card to Apple Pay is different depending upon device:

iPhone 6 (or later models)

1. Open the Wallet app

2. Tap the + in the upper right corner

3. Add the card details by either:

-Entering the card’s security code to add the Credit

or Debit card you use with iTunes

-Using the camera to capture the card information

-Typing the card details in manually

Apple Watch

1. Open the Apple Watch app on your iPhone

2. Tap Wallet & Apple Pay and then Add a new Credit

or Debit card

3. Add the card details by either:

-Entering the card’s security code to add the Credit

or Debit card you use with iTunes

-Using the camera to capture the card information

-Typing the card details in manually

iPad

1. Go to Settings

2. Tap Wallet & Apple Pay and then Add Credit or Debit card

3. Add the card details by either:

-Entering the card’s security code to add the Credit or Debit card you use with iTunes

-Using the camera to capture the card information

-Typing the card details in manually.

For security purposes, when a new card is added to Apple Pay we’ll ask you to complete a verification check before it can be used with Apple Pay. We’ll either:

  • Send a one-time password to the mobile phone number you have registered with us
  • Send a one-time password to the email address you have registered with us
  • Ask you to call the “mobile wallet activation line’ and answer some security questions

With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorize a payment.

Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. 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 that skin contact has been lost and Apple Pay and the NFC feature are deactivated.

 

1. Look for the Apple Pay icon during checkout. When Apple Pay is selected as the payment method

2. 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.

3.  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

4. When you are ready, make your purchase. Place your finger on Touch ID or enter the device passcode on iPhone and iPad, or double-click the side button on the Apple Watch to authorize payment. After your payment information sends successfully, you’ll see Done and a checkmark on the screen.

 

Yes, you can use Apple Pay to make payments on participating websites using a Mac on Safari. To use Apple Pay, the Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac. You then:

1. Select the Buy with Apple Pay or Apple Pay button

2. Check your billing, shipping and contact information are correct:

  • The default card can be changed by clicking the button next to the default card and selecting a new credit or debit card from any iPhone or Apple Watch which 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.

3. When you are ready, make your purchase. Place your finger on Touch ID or enter the device passcode on your iPhone, or double-click the side button on the Apple Watch to authorize payment. After your payment information sends successfully, you’ll see Done and a checkmark on the screen.

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.

If the retailer is able to refund the device used to make the original purchase, you:

  • Select the card they want to be refunded within the Wallet app
  • Hold the iPhone 6 (or later model) above or near the contactless reader and authorize the refund using Touch ID or the device passcode; or
  • Hold the Apple Watch display up to the contactless reader and double-click the side button to authorize the refund.

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 (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.

 

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

Payments can only be authorized by using Touch ID (if it is enabled), or by entering the device passcode.

  • Apple Watch

Payments can only be authorized 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 fingerprint to Touch ID, while your card is registered to Apple Pay.

 

The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:

iPhone

1. Open the Wallet app

2. Touch and hold your finger over the card you want to make the default card

3. Drag the card to the front of the cards in the Apple Pay section.

Apple Watch

1. Open the Watch app on your iPhone

2. Go to the My Watch tab

3. Tap Wallet & Apple Pay and then Default Card

4. Choose a new card.

iPad

1. Go to Settings

2. Tap Wallet & Apple Pay and then Default Card

3. Choose a new card.

To remove a card from Apple Pay you must follow these steps:

iPhone

1. Open the Wallet app

2. Select the relevant card and then tap (i) symbol in the bottom right corner to see all the card details

3. Scroll down and select Remove Card.

Apple Watch

1. Open the Watch app on your iPhone

2. Go to the My Watch tab

3. Scroll down and tap Wallet & Apple Pay

4. Tap the card and then tap Remove Card.

iPad

1. Go to Settings

2. Tap Wallet & Apple Pay and then Remove Card

3. Choose the card to be removed from Apple Pay.

Please note: if you remove your device passcode or Touch ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.

You should contact us straight away on 13 25 85 so the lost or stolen card can be cancelled and no further purchases made. When the replacement card is issued we will automatically update Apple Pay with the new details for you and send you a text message to let you know you can start using Apple Pay again. You can then continue to make purchases using Apple Pay before your new card arrives. You might be limited to transactions under $100 until your new PIN arrives. It can take up to 24 hours for Apple Pay to be updated with the new details.

If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function.

Or you can log into iCloud.com and remove all cards from Apple Pay remotely. If you do not have the app you should contact us on 13 25 85 to request that your card be disabled for use with Apple Pay.

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Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit License 237 856 ('Beyond Bank') arranges travel insurance as agent of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 24563.

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