APPLE PAY® FAQ

General

What is Apple Pay?

Apple Pay is a fast, easy and secure way to pay using your compatible Apple devices. Forget about fumbling for your wallet. Now you can pay for your morning coffee or the week's groceries with your phone. It's quick, easy to use, and secure.

Are there any fees to use Apple Pay?

Mobile payments are completely free. National Bank doesn't charge any fees for the service. However, your service provider may charge overage fees if you exceed your monthly data limit.

How do I use Apple Pay? Do I need to install Apple Pay on my phone?

Apple Wallet is preinstalled on all eligible Apple devices. You simply have to install the latest version of the National Bank mobile app on your iPhone or iPad.

For Apple Watch, you simply have to add your card to the iPhone linked to your watch; afterwards, you no longer need your iPhone to pay.

How do I add my National Bank Mastercard® credit card to Apple Pay?

  1. Open the Wallet app
  2. Sign in to iCloud
  3. Tap + in the top right-hand corner of the screen
  4. Follow the instructions

How do I make my National Bank Mastercard® credit card my default card?

The first card you add to Apple Pay will be your default card.

  1. Open the Wallet app on your iPhone or other Apple device
  2. Touch and hold the National Bank Mastercard® icon, then drag it to the top of the screen
  3. OR go to Settings > Wallet & Apple Pay and tap Default Card, then choose the National Bank Mastercard® credit card icon

To add a card to Apple Pay for your Apple Watch:

  1. Open the Watch app on your iPhone and go to the My Watch tab
  2. Tap Wallet & Apple Pay
  3. Tap Add Credit or Debit Card If you're asked to add the card that you use with iTunes, just enter its security code
  4. Tap Next, and accept the terms and conditions
  5. The Bank may ask for additional information to verify your card. When you have the information, go back to Wallet & Apple Pay and tap your card
  6. After the Bank has verified your card, tap Next and start using Apple Pay

 

Can I pay with Apple Pay everywhere?

Most businesses accept Apple Pay. However, there are still some businesses that don't offer contactless payment, so it's a good idea to keep your credit and debit cards on you just in case.

Click here for a non-exhaustive list of participating businesses.

How do I know if I can pay with Apple Pay?

If you see these symbols at the cash:

Contact Less    Android Pay

You can pay with Apple Pay!

How do I pay with Apple Pay?

It's easy! For transactions of $100 or less, simply hold your finger on the Touch ID sensor and hold your iPhone against the terminal. For transactions over $100, you must use your plastic credit card and enter your PIN.

To pay with an Apple Watch, double-click the side button and hold the watch screen against the terminal. For transactions over $100, you must use your plastic credit card and enter your PIN.

Is my phone compatible with Apple Pay?

You need to have an iPhone equipped with NFC (near field communication) technology and iOS 9 or higher, or one of the following smartphones: iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE.

Is my Apple Watch compatible with Apple Pay?

All Apple Watch devices are compatible.

What other devices is Apple Pay compatible with?

You can add your credit card to your iPad Pro, iPad (5th generation, iPad Air 2, iPad mini 4, iPad mini 3, and MacBook Pro with Touch ID.  You can use those devices to make certain purchases online in Safari For more information, click here

Can I use Apple Pay on my iPad to pay for purchases in stores?

You can use your iPad only for certain online purchases in Safari and some apps.

For more information, click here.


Security

Is Apple Pay secure??

Apple Pay is a secure way to pay. For your protection, a number of safeguards are built into Apple Pay:

  • Purchases are limited to $100 and less.
  • For transactions over $100, you must use your plastic credit card.
  • Apple Pay requires you to set up screen lock on your device.
  • Your phone never leaves your hand during transactions.

You must authenticate every contactless transaction using Touch ID or your passcode. If you have an Apple Watch, you'll have to prove your identity every time you remove the device from your wrist.
On your Apple Watch, you need to set up a passcode and make sure that Wrist Detect is on. If you turn off Wrist Detect, remove your passcode, or sign out of iCloud, all credit and debit cards will be removed from your Apple Watch.

Don't forget that you're covered by the Mastercard® Zero Liability policy1 in the event of fraud.

Do I get the same protection when I use Apple Pay as when I pay with my plastic card?

The protection is exactly the same. The Mastercard® Zero Liability policy1 applies both to Apple Pay purchases and purchases made with your National Bank Mastercard® credit card. You're also covered by our Peace of Mind Guarantee2 for Mobile Banking Solutions.

I've lost my phone. What should I do? My phone has been stolen. What should I do?

Simply call us at 1-888-4-TELNAT (1-888-483-5628) Don't forget that you're covered by the Mastercard® Zero Liability policy1 and our Peace of Mind Guarantee2 for Mobile Banking Solutions.

I've lost my credit card. What should I do? My credit card has been stolen. What should I do?

Call us immediately at 1-888-4-TELNAT (1-888-483-5628). We will replace your plastic credit card and deactivate the lost card so that no transactions can be carried out until you receive and activate your new card. 

You don't need to make any changes on your phone—National Bank will take care of it! Don't forget that you're covered by the Mastercard® Zero Liability policy1 and our Peace of Mind Guarantee2 for Mobile Banking Solutions.


Purchases / Returns

Is there a maximum amount per transaction?

For your protection, the maximum amount is $100. For transactions over $100, you must use your plastic credit card.

Is there a daily limit for purchases made with Apple Pay?

When you pay with Apple Pay, you're using the credit card you added to your phone. The limit is therefore the same as for your credit card.

Is there a daily limit on the number of transactions?

There is no limit. You can make as many purchases with Apple Pay as you want.

How do I know if my payment was successful?

The merchant will confirm that your transaction has been accepted and give you a receipt. You'll also receive a real-time push notification on your phone.

How do I return items purchased with Apple Pay?

The merchant will issue the refund directly to your phone, so you'll need to bring the phone you used to make the purchase as well as your receipt.

My credit card gives me points or cashback. Will I still get them with Apple Pay?

Absolutely. You'll still get your points or cashback when you make purchases with Apple Pay.


Card renewal / Activation

What do I need to do when my credit card is renewed?

When you activate your new card, it will automatically be updated in the app.

  • If your card has expired or you've replaced it, you won't be able to use Apple Pay until you activate your new card. The card information will then automatically be updated in the app.
  • If your new card is a different product (i.e. a different type of card) with a different card number, you'll need to add it to your Apple Wallet.

 

 


Deactivation / Card removal

What should I do if I no longer want use Apple Pay?

All you have to do is remove your cards from the app.

How do I remove a credit card from Apple Pay?

In the app, select the card you want to remove and tap Remove Card.

What happens if I get a new iPhone or Apple Watch?

Simply remove your credit cards from the Wallet app on your old phone, then add them to your new iPhone.

Will I still be able to use my plastic credit card if I remove it from Apple Pay or uninstall Apple Pay?

Don't worry. There will be no effect on your plastic credit cards.

Miscellaneous

Can I add my debit card?

We plan to offer this option so you can take full advantage of the benefits of mobile payments. We plan to launch mobile debit payments on Apple Pay in the months following this announcement. Find out when by visiting nbc.ca frequently.

What is a Device Account Number?

When you add a credit card to Apple Pay, a Device Account Number is generated for your phone. That number is used whenever you make a purchase, rather than your actual credit card number, so your personal details remain secure and are never shared with merchants.

What is NFC?

NFC, or near field communication, is a wireless communication technology used to make contactless payments. NFC must be enabled on your phone to use Apple Pay.

Where can I read the terms of use?

They're available here.

Want more information?

 

Apple, the Apple logo, Apple Pay, Apple Watch, 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.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

®/TMMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

1 Certain conditions and restrictions apply. Visit mastercard.ca for more information.

2 The Peace of Mind Guarantee for Personal Internet Banking Solutions and Mobile Banking Solutions applies to clients who, upon checking, discover that they have been victims of fraud and agree to cooperate in the investigation into this fraud. This guarantee applies only to unauthorized transactions carried out through Internet Banking Solutions or Mobile Banking Solutions and covers only the amounts lost as a direct result of those transactions. The Peace of Mind Guarantee by National Bank’s Internet and Mobile Banking Solutions for retail clients applies to those clients who have been the victims of fraud even though they had protected their access numbers, passwords and equipment, and who cooperate with the fraud-related investigation. While doing banking transactions over the Internet, each client must take measures necessary to ensure the security of those transactions, and has the obligation to promptly inform National Bank if they believe they’ve been the victim of fraud.

 

© 2017 National Bank of Canada. All rights reserved.