Apple Pay / Apple Pay FAQs
Section One - What is Apple Pay?
What is Apple Pay?
Apple Pay is Apple's mobile payments service compatible with the iPhone® 6 and 6 Plus, iPad Air® 2, and iPad mini™ 3. It is designed so that items can be purchased using your phone instead of swiping a debit card (in-store) or entering your card number (in-app).
Is Apple Pay free to use?
Use of Apple Pay is free to Centier Visa Debit cardholders. There could however be charges from your mobile carrier depending on your data plan.
Is Apple Pay Secure to use?
Apple Pay is more secure than using a traditional credit or debit card since your card number and identity are not shared with the merchant or transmitted with payment, and your actual card numbers aren’t stored on your device or on Apple servers.
Best of all, you still receive all the protection your Centier debit card currently offers including Visa Zero Liability fraud protection and debit card on|off available with our Mobile Banking App. Always shop with complete confidence whether you’re using your Centier debit cards in-store, online or on a mobile device.
Why does my card image in Passbook® look different from my physical card?
The image you see in Passbook is not an exact copy of your Centier Visa Debit card. It's only a digital representation of your card.
How do I use Apple Pay on my iPhone 6 or iPhone 6 Plus?
In order to use Apple Pay, your iPhone 6 or iPhone 6 Plus must be running iOS 8.1 or above. When making purchases at a retailer that has a contactless payWave terminal, hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep lets you know the purchase was successful.
Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the icon while viewing your card in Passbook. You may also be asked to provide a signature or debit card PIN to complete your transaction.
You can also use Apple Pay on the iPhone 6 or iPhone 6 Plus to make purchases within participating mobile apps. Look for the Apple Pay logo while completing your in-app purchase to use this feature.
How do I use Apple Pay on my iPad Air 2 or iPad Mini 3?
To use Apple Pay on your iPad Air 2 or iPad Mini 3, your device must be running iOS 8.1 or higher. Centier customers using the iPad Air 2 or iPad Mini 3 are only eligible to make in-app purchases using Apple Pay. Simply look for the Apple Pay logo while completing your in-app purchase to use this feature. These devices cannot be used to make in-store purchases using Apple Pay at this time.
How do I use Apple Pay on my Apple Watch™?
To use Apple Pay on your Apple Watch, your paired iPhone 6, iPhone 6 Plus, iPhone 5, iPhone 5s or iPhone 5c must be running iOS 8.2 or higher.
When using Apple Pay on the Apple Watch, you will be prompted to unlock the device for payments by entering your four digit PIN. Once the watch is placed on your wrist and the PIN is entered, your Apple Watch will remain unlocked for Apple Pay until it is removed from your wrist. You can also enter your four-digit PIN from your paired iPhone 6, iPhone 6 Plus, iPhone 5, iPhone 5s or iPhone 5c to unlock your Apple Watch via Bluetooth connection once it has been placed on your wrist. The Apple Watch will automatically lock the Apple Pay feature once it is removed from your wrist, and cannot be used with Apple Pay again until it is placed back on your wrist and unlocked using the four digit PIN.
To make a purchase using the Apple Watch, unlock the Apple Pay feature by entering your four digit PIN and double tap the small button on the side of the watch twice to display your default credit or debit card. To pay with a card other than your default card, simply swipe up and down to select the desired payment method. To make a payment, hold the watch a few centimeters away from the contactless payment terminal with the display facing towards the reader. A gentle vibration and beep will let you know your purchase was successful.
Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the icon while viewing your card in the Apple Watch app. You may also be asked to provide a signature or debit card PIN to complete your transaction.
How is my information protected when using Apple Pay?
When you enroll your card in Apple Pay, a unique device account number is assigned, encrypted, and stored on a dedicated chip on your iPhone 6, iPhone 6 Plus, iPad Air 2, iPad Mini 3 or Apple Watch. When you make a purchase, the device account number along with a dynamic, transaction-specific security code is used to process your payment. This means that your actual credit or debit card number is never shared with merchants or transmitted with the payment.
Section Two – How to use Apple Pay
Where can I use Apple Pay?
Visit the Apple Pay site for a list of participating merchants and mobile apps.
What if I need to return an item?
The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your iPhone 6, iPhone 6 Plus or Apple Watch over the contactless payment terminal and wait for the slight vibration of the device to confirm the refund has been processed. You must use the same Apple Pay enabled device you used to purchase the item to process the return.
Can I make purchases with Apple Pay using my iPad?
Yes, Apple Pay is available on the iPad Air 2 and the iPad Mini 3, and can be used to make purchases within participating mobile apps. The iPad Air 2 and iPad Mini 3 cannot be used to make in-store purchases at this time.
Can I make purchases with Apple Pay using my Apple Watch?
Yes, Apple Pay is available on the Apple Watch and can be used to make purchases in-store at participating merchants. The Apple Watch cannot be used to make in-app purchases at this time.
Can I use a card other than my default card to make a purchase?
When you hold your iPhone 6 or iPhone 6 Plus over a contactless payment terminal to make a purchase, your default card will be displayed at the top of the screen and your other cards will appear stacked at the bottom. If you would like to use a card other than your default card to make the purchase, simply tap on the stack of cards at the bottom of the screen to view your other cards, select the one you would like to pay with and use your fingerprint or passcode to complete the purchase.
When making a purchase using the Apple Watch, double tapping the small button on the side of the watch will display your default card ready for use. To pay with a card other than your default card, simply swipe up and down to select the card you would like to use and hold your watch face near the terminal to complete your purchase.
Section Three – Ongoing Management
Do I need to verify my card with Centier when I add it to Apple Pay?
For security purposes, we may ask you to call or visit a Centier location to verify your card when adding it to Apple Pay. This is done to confirm your identity and protect your personal information.
What should I do when I receive a replacement card?
When a card enrolled in Apple Pay expires, Centier will automatically update your card information within Apple Pay for you.
For any cards replaced due to loss, theft or fraud, you will need to add the card to Apple Pay as if it were new – either using the device camera or by manually adding the card information.
What happens if I replace, update, or lose my Apple Pay device?
If you replace or update your iPhone 6, iPhone 6 Plus, iPad Air 2, iPad Mini 3, Apple Watch or iPhone 5, iPhone 5s, or iPhone 5c paired with your Apple Watch, your Centier debit card(s) will not be transferred automatically. You will need to set up Apple Pay again and add your cards on the new device.
If your Apple Pay device is ever lost or stolen, you can use Find My iPhone to easily suspend the device account number, or call Centier bank using the number found on the back of your card to suspend it for you. You can continue to make purchases using your physical card even when the device account number is suspended on Apple Pay.
How can I change my default card in Apple Pay?
The first credit or debit card you add to Passbook or the Apple Watch app will automatically become your default card. This is the card that will appear on your iPhone 6, iPhone 6 Plus or Apple Watch when you use Apple Pay at a contactless payment reader when checking out. To change your default card, simply open settings and select the Passbook & Apple Pay tab for iPhone 6 and iPhone 6 Plus users, or the Apple Watch app tab for Apple Watch users.
Can I add my Centier debit cards to Apple Pay on multiple devices?
Yes, you can add multiple Centier debit cards to Apple Pay on multiple compatible devices.
How do I remove a card from Apple Pay?
To remove a card from Apple Pay, simply select the card in Passbook or in the Apple Watch app and click on the icon in the bottom corner to view the back of the card. Scroll to the bottom to find the ‘remove card’ option. After deleting, you can re-add this card to Apple Pay at any time.
Will Apple Pay be available on my Android Phone?
Centier intends to allow cardholders to use similar services with other mobile devices, including Android Phones. We will update you as this develops.