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Apple Pay FAQs

Setting up Apple Pay

How do I add a card to Apple Pay? Show more

You do not need to download any additional app to use Apple Pay. The latest version of iOS and watchOS is required to set up cards in Apple Pay. Set up Apple Pay link: https://support.apple.com/en-au/HT204506.

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

iPhone

  • Open the Wallet app
  • Tap the + in the upper right corner, follow the prompts
  • 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

  • Open the Apple Watch app on your iPhone
  • Tap Wallet & Apple Pay and then Add a new Credit or Debit Card, follow the prompts
  • 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

  • Go to Settings
  • Tap Wallet & Apple Pay and then Add Credit or Debit Card, follow the prompts
  • 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

How do I activate my card with Apple Pay? Show more

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 us and answer some security questions

Can a single card be added to multiple Apple Pay wallets? Show more

Yes, a card can be added to Apple Pay on multiple devices, however the card will need to be added to each device separately.

How do I change the default payment network? Show more

When you add your RACQ Bank Visa Debit card to Apple Pay, the card will be defaulted to the Visa network for payments with Apple Pay. However, you can also change your payment network and choose between the Credit (Visa network) and CHQ/SAV (eftpos network) options prior to making a purchase with Apple Pay, as you do when using your physical card.

To change the payment network on:

iPhone

  • Open the Wallet app.
  • Tap on your RACQ Bank Visa Debit card.
  • Tap the more button.
  • Choose the network.

Apple Watch

  • Double-click the side button.
  • Select your RACQ Bank Visa Debit card.
  • Firmly press the display.
  • Choose the network.

Using Apple Pay

How do I change my default card? Show more

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

  • Open the Wallet app
  • Touch and hold your finger over the card you want to make the default card
  • Drag the card to the front of the cards in the Apple Pay section

Apple Watch

  • Open the Watch app on your iPhone
  • Go to the My Watch tab
  • Tap Wallet & Apple Pay and then Default Card
  • Choose a new card

iPad

  • Go to Settings
  • Tap Wallet & Apple Pay and then Default Card
  • Choose a new card

Where can I use Apple Pay? Show more

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 logo.

How do I make payment in stores with an iPhone? Show more

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 do I make payment in stores with an Apple Watch? Show more

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 that 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? Show more

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? Show more

Yes.

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? Show more

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? Show more

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 (circle with three dots) 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? Show more

Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet app. Eftpos transactions made using your RACQ Bank Visa debit card with Apple Pay can currently only be viewed via internet banking and/or the RACQ Bank app.

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

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

Is Apple Pay secure? Show more

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.

Can I use the eftpos network overseas? Show more

Eftpos is a domestic payment network only. If you have chosen eftpos as your preferred network, you will need to change this to Visa when you travel internationally.
You may be able to get cash out at selected merchants with your RACQ Bank Visa Debit card by selecting 'eftpos CHQ' or 'eftpos SAV' in Apple Pay prior to the transaction.

Managing Apple Pay Cards

How do I change my default card? Show more

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

  • Open the Wallet app
  • Touch and hold your finger over the card you want to make the default card
  • Drag the card to the front of the cards in the Apple Pay section

Apple Watch

  • Open the Watch app on your iPhone
  • Go to the My Watch tab
  • Tap Wallet & Apple Pay and then Default Card
  • Choose a new card

iPad

  • Go to Settings
  • Tap Wallet & Apple Pay and then Default Card
  • Choose a new card

How do I remove a card from Apple Pay? Show more

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

iPhone

  • Open the Wallet app
  • Select the relevant card and then tap symbol in the top right corner to see all the card details
  • Scroll down and select Remove Card

Apple Watch

  • Open the Watch app on your iPhone
  • Go to the My Watch tab
  • Scroll down and tap Wallet & Apple Pay
  • Tap the card and then tap Remove Card

iPad

  • Go to Settings
  • Scroll down and tap Wallet & Apple Pay
  • Tap the card and then tap Remove Card

For more information about managing your cards with Apple Pay visit https://support.apple.com/enau/HT205583

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

I have already provisioned my RACQ Visa Debit card to Apple Pay. How do I update my existing card in Apple Pay to access both the Visa and eftpos payment networks? Show more

Functionality within Apple Pay allows you to change your payment network and choose between the Credit (Visa network) and CHQ/SAV (eftpos network) options prior to making a purchase with Apple Pay, as you do when using your physical card.

The introduction of this functionality will have no impact to members who have already provisioned a card to Apple Pay. You will see no changes to your Apple Pay interface and you can continue using your card in Apple Pay as you do today. Your transactions will be routed through the primary scheme (Visa).

If existing Apple Pay users wish to take advantage of the new functionality, you will need to delete your card from the Apple Wallet and complete the provisioning process again. This will enable you to provision the card to both the primary (Visa) and secondary (eftpos) schemes.

To update your RACQ Bank Visa Debit Card on iPhone

  • Remove your RACQ Bank Visa Debit Card from Apple Pay on your iPhone: Open Wallet, tap your RACQ Bank Visa Debit Card, tap the symbol (the circle with three dots), then tap Remove RACQ Bank Visa Debit Card.
  • Add your RACQ Bank Visa Debit Card back into Apple Pay on your iPhone: Open the Wallet app, tap the “+” sign in the upper-right corner then tap ‘Add a Different Card’ follow the prompts. (Do not choose previously provisioned card option)

Update your RACQ Bank Visa Debit Card on Apple Watch

  • Remove your RACQ Bank Visa Debit Card from Apple Pay on your Apple Watch: Open the Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, tap the card, then tap Remove Card.
  • Add your RACQ Bank Visa Debit Card back to Apple Pay on your Apple Watch: Open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay” tap "Add Card” and select ‘Add a Different Card’ at the bottom of the screen, follow the prompts (Do not choose previously provisioned card option)

For more information visit: https://support.apple.com/en-au/HT209137

What should I do if my card is lost or stolen? Show more

You should contact us straight away on 13 1905  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 your new card details. You can continue to make purchases using Apple Pay before your new card arrives.
You may be limited to transactions under $100 until your new PIN arrives.

Get help if your device is lost or stolen link: https://support.apple.com/en-au/HT201472

What should I do if my iPhone or iPad is lost or stolen? Show more

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 1905  to request that your card be disabled for use with Apple Pay.

Get help if your device is lost or stolen link: https://support.apple.com/en-au/HT201472

What should I do if my Apple Watch is lost or stolen? Show more

You should contact us on 13 1905 to request that your card be disable for use with Apple Pay. You should also go to iCloud.com and remove your card from Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally.

Get help if your device is lost or stolen link: https://support.apple.com/en-au/HT201472.

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Disclaimer Show more

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Fees, charges, terms and conditions apply. Contact us for a copy. This is general advice only and may not be right for you.

You can only create a PayID within mobile or internet banking by linking it to an eligible account. Not available on some accounts.

Biometric identification features are compatible with selected devices only, noting that some devices may not be able to use particular Biometric identification methods. For Android, selected biometric features should be available on devices with android v 4.4 or greater, provided that feature is available in device. For iOS device, any device that is running with IOS version 9,10 or 11(or greater), provided that feature is available in device.

The Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay, and the Google Pay Logo are trademarks of Google Inc. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.

* 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/en-us/HT208531.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.