Apple Pay

How do I perform an Apple Pay transaction at a store?

How do I pay with a card other than my default card?

How do I perform an Apple Pay transaction within an app on the device?

What type of card information is transmitted during an Apple Pay transaction?

How will returns/exchanges work for Apple Pay transactions?

Is there any impact to earning Extra AwardsTM Points for Apple Pay transactions?

How will I know if a transaction was performed with Apple Pay?

What will purchase receipts show when using Apple Pay?

Are Apple Pay purchases protected against fraud?


How to perform an Apple Pay transaction at a store?

To use Apple Pay using your default card, hold your device within an inch of the merchant’s contactless reader with your finger held on Touch ID without pressing it. With a few seconds, you will feel a subtle vibration and see a checkmark on the screen. That’s how you know that your payment information was sent.

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How do I pay with a card other than my default card?

  1. Position your device close to the contactless reader without placing your finger on Touch ID.
  2. After your iPhone “wakes up,” your default card will appear on your screen.
  3. Tap your default card to display a list of available cards, then tap the card you want to use.
  4. Complete the transaction as noted above

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How do I perform an Apple Pay transaction within an app on the device?

When the “Buy with Apple Pay” or “Apple Pay” icon is seen as a payment method on your device, Apple Pay can be used to complete the transaction.

  1. Review your payment information and contact details. Enter other billing, shipping, and contact information if necessary.
  2. Apple Pay will store that information, so you won’t need to enter it again.
  3. Place your finger on Touch ID to complete the payment.

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What type of card information is transmitted during an Apple Pay transaction?

When you make a purchase, the Apple Pay Device Account Number is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment. Apple does not save your transaction data information and it cannot be tied back to you.

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How will returns/exchanges work for Apple Pay transactions?

If the cashier needs your card details to process the return, you’ll follow the same steps you did when making a payment. Hold your iPhone 6 or 6 Plus near the payment terminal, select the card that was used to make the original payment, and authorize the return with Touch ID or 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 credit or debit card statement.

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Is there any impact to earning Extra AwardsTM Points for Apple Pay transactions?

No. If you have an SF Fire Credit Union Platinum Visa credit card, you will continue to earn Extra Awards Reward Points for Apple Pay transactions, just as you would on all other transactions performed.

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How will I know if a transaction was performed with Apple Pay?

Your Apple Pay transactions can be viewed on your device in Passbook. The transactions will look like other card transactions when posting to your account in online banking or on your monthly account statement and will not have a designation that it was an Apple Pay transaction.

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What will purchase receipts show when using Apple Pay?

When Apple Pay is used for a purchase the last 4 digits of the Apple Pay Device Account Number will show on the receipt. The actual card number will not be shown on the receipt since it is not transmitted as part of the process.

(Note: In Passbook you can “flip” your card over to see the Device Account Number as well as the last four digits of the “real” card number by tapping on the information button at the bottom of the screen.)

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Are Apple Pay purchases protected against fraud?

Yes. Whether you use Apple Pay or the card itself, Visa’s Zero Liability Policy protects you against fraudulent transactions. If Apple Pay was used on a contactless terminal, the fraud protection is the same as if you used your physical card. If an online Apple Pay transaction was used, the fraud protection is the same as if a card was not present for the transaction.

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