Apple Pay FAQ

Getting Apple Pay

Which iOS devices support Interac® Debit on Apple Pay? Expand/Collapse

Apple Pay is supported within the Apple Wallet App on all current iPhones (since the release of iPhone 6) and Apple Watch. These devices are eligible for Interac® Debit on Apple Pay in-store purchases.

Will my Android/Windows/Blackberry phone work with Apple Pay? Expand/Collapse

Apple Pay is currently only available on eligible Apple devices.

Can I use my Apple Watch with Apple Pay? Expand/Collapse

Yes, you can add a card to your Apple Watch through the Apple Watch app on your iPhone.

Setting up Apple Pay

How do I set up Apple Pay? Expand/Collapse

iPhone

1.   Open the Wallet app.
2.   Tap '+' in the upper right corner.
3.   Follow the onscreen instructions to add your 1st Choice Card(s).

Apple Watch

1.   Open the Apple Watch app on your iPhone.
2.   Go to the 'My Watch' tab. If you have multiple watches, choose one.
3.   Tap Wallet & Apple Pay and select 'Add Credit or Debit Card'.
4.   Follow the onscreen instructions to add your card(s).

Mobile App (debit card only)

1.
   Log into our Mobile App.
2.   Click on Settings.
3.   Select 'Setup Apple Pay'.
4.  Follow the onscreen instructions to add your 1st Choice debit card.

How many devices can I add my card to? Expand/Collapse

There is no maximum number of devices to which you can add your 1st Choice Card(s) for Apple Pay. However, you are responsible for verifying the validity of the 1st Choice Card(s) on each device, and for any charges made with the card to your account.

Is additional information being captured about me when I use Apple Pay? Expand/Collapse

Apple does not collect and store details on Apple Pay financial transactions. To learn how Apple protects your personal information, transaction data, and payment information when you use Apple Pay, visit their website: https://support.apple.com/en-ca/HT203027

Paying with Apple Pay

How do I use Apple Pay? Expand/Collapse

If using an iPhone 8 or earlier with Touch ID, rest your finger or thumb on the home button and hold the top of your iPhone within a few centimeters of the contactless reader. You will see Done and a checkmark on the display letting you know your payment was approved. If vibration and sounds are enabled, you will feel a subtle vibration and hear a beep.

To pay with an iPhone X, double-click the side button, then glance at iPhone X to authenticate with Face ID or enter your passcode. Hold the top of iPhone X within a few centimeters of the contactless reader until you see Done and a checkmark on the display.

With an Apple Watch, double-click the side button and hold the display of your Apple Watch within a few centimeters of the contactless reader. Wait until you feel a gentle tap. You will see Done and a checkmark on the display letting you know your payment was approved.

With your iPhone, iPad, and Apple Watch, you can use your (CU Debit Card) in Apple Pay to pay within apps accepting Interac Debit when you see Apple Pay as a payment option. To learn how this works: https://support.apple.com/en-ca/HT201239#inapp

You can also pay on the web in Safari with your iPhone, iPad and Mac at online retailers that accept Interac Debit for Apple Pay: https://support.apple.com/en-ca/HT201239#safari

Is there a maximum dollar amount for a purchase? Expand/Collapse

With Apple Pay, each purchase is verified prior to the actual transaction approval via Face ID, Touch ID, or the device passcode. Therefore, Apple Pay transactions will not have to the same transaction limits as Interac Flash (or “tap”).

Note that you are subject to your daily spending limit with your debit card and overall credit limit with your credit card. Apple Pay purchases are included in your existing total limit.

Please contact us at 403-320-4600 if you experience a situation where a retailer has imposed a limit on Apple Pay transactions.

Am I subject to a daily spending limit? Expand/Collapse

You are subject to your daily spending limit with your debit card and overall credit limit with your credit card. Apple Pay purchases are included in your existing total limit.

Please contact us at 403-320-4600 if you experience a situation where a retailer has imposed a limit on Apple Pay transactions.

Why does the transaction history on my iPhone or Apple Watch not include all Apple Pay transactions? Expand/Collapse

Each device – iPhone or Apple Watch – is assigned a device account number and shows only transactions completed with its device account number. The device account number is different from your physical card number. This security feature helps us to manage situations when a device is lost, stolen or upgraded.

Deactivating / Card Removal

Will removing my card from Apple Pay deactivate my plastic card? Expand/Collapse

No. Removing your 1st Choice Card(s) from Apple Pay will not affect your plastic card.

My device was lost or was stolen and I want to delete my card. What do I do? Expand/Collapse

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call us immediately at 403-320-4600.

For an iPhone, you can use the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your 1st Choice Card(s) using 'Find My iPhone’, you can reactivate your card by unlocking your device and entering your Apple ID Passcode when prompted. For any supported Apple device, you can always go to icloud.com/settings, choose the applicable device and delete your card.

Troubleshooting Apple Pay

What should I do if Apple Pay is not working with the POS terminal? Expand/Collapse

Apple Pay should work at all terminals that accept Interac® Flash. Depending on the location of the signal from the phone and the case that you are using, you may need to either remove your case or re-position your phone near the POS terminal. Because POS terminals may be slightly different, you may find that this experience varies from terminal to terminal. If you are having difficulties, ask your retailer if they accept Interac® Debit on Apple Pay.

Do I need wifi/data access to make a purchase? Expand/Collapse

No. Your iPhone (powered and unlocked) has everything you need to complete a purchase at a retailer, even without network access.

As with card purchases, you may not complete a purchase if the POS terminal is off-line or unavailable.

You will need network access to receive transaction notifications from Apple.

How do I do a Refund? Expand/Collapse

If you need to return a purchase made with Apple Pay you can receive a refund to your account. Refunds are initiated by the Merchant at the POS terminal following the same process as a purchase within Apple Pay.

The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, tap the (i) symbol on your card in the Wallet app to view the back of your card.

Successful refunds will be processed immediately to your account.

I’m having trouble with Apple Pay. Who do I contact? Expand/Collapse

If you are having difficulties with Apple Pay, please call us at 403-320-4600 and we will be happy to answer your questions.

Managing Chance - What if I ...

…Lose my iOS device? Expand/Collapse

Contact your branch immediately if you lose your mobile phone. We will de-activate your Debit Card within Apple Pay. Please contact cardholder services, 1-855-341-4643, to deactivate your credit card.

You can also suspend/delete your cards through the Find My iPhone App/iCloud.

…Get a new debit or credit card? Expand/Collapse

If you get a new debit or credit card, remove the previous card from Apple Pay and add the new card.

Security & Technology

How is Apple Pay secured? Expand/Collapse

Each Apple Pay transaction requires your authorization through Touch ID, Face ID or a passcode. Your card number is not shared with the merchant or saved on your iOS device, instead using a secure token to complete the purchase.

What is NFC? Expand/Collapse

NFC stands for Near Field Communication, which is a contactless proximity technology. NFC uses the same technical standards as plastic cards (such as Interac® Flash), which allows you to tap your card to complete transactions. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

How do I know if a terminal accepts NFC? Expand/Collapse

Just look for the Interac® Flash logo or the contactless symbol at checkout to know if a terminal is capable of NFC.

How does the technology work? Expand/Collapse

When you register a card with Apple Pay, the card is assigned a device account number. The device account number is different from your physical card number and is unique to your device. Your device account number is used to make purchases with Apple Pay.

Are Apple Pay transactions secure? Expand/Collapse

Yes. Each Apple Pay transaction is protected by, and requires, your authorization through Face ID, Touch ID and/or passcode. For your security, all Apple Pay purchases are authenticated using Face ID, Touch ID or your passcode. All payment information is encrypted in the Secure Element, which is a dedicated chip in your Apple device.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.