Apple Pay Expert Guide - FAQs


General Apple Pay Questions

Q. What is Apple Pay? 

Apple Pay allows you to make purchases right form your iPhone by holding your phone by the contactless reader at participating retailers. You can also use Apple Pay with your iPad, Apple Watch or Mac. 


Q. What devices are compatible with Apple Pay?

  • iPhone models with Face ID
  • iPhone models with Touch ID, except for iPhone 5S
  • iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID
  • Apple Watch Series 1 and 2 or later
  • Apple Watch (1st generation)
  • Mac models with Touch ID
  • Mac models introduced in 2012 or later with Apple Pay-enabled

Get the most recent list of compatible devices from Apple. 


Q. May I opt out of Apple Pay at any time?

Adding your Ascentra Visa debit and credit card to Apple Pay is your choice; you can add and remove cards as you wish. 


Q. How do I remove a card from Apple Pay?

Go to your settings and select Wallet & Apple Pay. Select the card you wish to remove, then scroll down to the bottom and select the Remove Card option.


Q. Where is Apple Pay accepted?

You can use Apple Pay at millions of locations, including, McDonald's, Best Buy, Target, Walgreens, Starbucks and Schnucks. Use Apple Pay within apps and websites such as Uber, Fandango, Panera, StubHub and Airbnd. You may even donate to non-profits like the American Red Cross, Children’s Miracle Network Hospitals and the United Way. Please ask your local retailer if they accept Apple Pay. 


Transactions

Q. How do I change my default card to my Ascentra Visa debit or credit card?

The credit or debit card associated with your iTunes® account or the first card you add to Passbook® is your default card. To change your default card:

1. Go to "Settings > Passbook & Apple Pay."

2. Tap "Default Card."

3. Choose a new card.


Q. Will I continue to earn rewards and benefits from my credit or debit cards when I pay using Apple Pay?

Yes. When you pay using Apple Pay, you'll continue to get the rewards, benefits, and security that your Ascentra Visa debit and credit card provides. Learn more about rewards.


Q. How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just as they would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number:

  • For your iPhone or iPad, go to Wallet & Apple Pay, tap the card, and tap  .
  • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, then tap your card.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment:

  1. On the device that you used to make the original payment, select the card that you want to be refunded. Remember to use the card registered within Apple Pay, not your physical card. 
  2. On your iPhone, hold the device near the reader and authorize the return with Touch ID or passcode. On your Apple Watch, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader. 

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. Apple Pay activity is also included on your credit and debit card statements.


Q. How can I check my recent transactions?

When you view your card in Wallet, you will see the last transaction for each credit card or debit card my through your device. Just tap the card and tap . Then tap the Transactions tab. You will only see recent transactions made from your device. You might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your Ascentra for final transaction details.

 

Security

Q. How secure is Apple Pay?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay within apps and websites in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

Learn more about Apple Pay security and privacy.

 

Q. What if my iPhone, iPad, Apple Watch, or Mac is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call Ascentra suspend or remove your cards from Apple Pay. 

Learn more about what to do if your iPhone is lost or stolen.


Setting up Apple Pay on iPhone, iPad, Apple Watch, or Mac

Q. How do I add a card on your iPhone?

  1. Go to Wallet and tap Add Credit or Debit Card. 
  2. Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, just enter its security code. 
  3. Tap Next. You will be prompted to verify your account by calling Ascentra at 563-355-0152 or 1-800-426-5241 (Monday-Thursday: 9am – 5:30pm, Friday: 8am-5:30pm, Saturday: 9am – noon).
  4. After your card has been verified, tap Next. Then start using Apple Pay.


Q. How do I add a card on your iPad?

  1. Go to Settings > Wallet & Apple Pay.
  2. Tap Add Credit or Debit Card.
  3. Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. You will be prompted to verify your account by calling Ascentra at 563-355-0152 or 1-800-426-5241 (Monday-Thursday: 9am – 5:30pm, Friday: 8am-5:30pm, Saturday: 9am – noon).
  5. After your card has been verified, tap Next. Then start using Apple Pay.


Q. How do I add a card on your Apple Watch?

  1. Open the Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
  2. Tap Wallet & Apple Pay.
  3. Follow the steps to add a card. If a card is already on your iPhone, tap Add next to the card. To add a new card, 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. You will be prompted to verify your account by calling Ascentra at 563-355-0152 or 1-800-426-5241 (Monday-Thursday: 9am – 5:30pm, Friday: 8am-5:30pm, Saturday: 9am – noon).
  5. After your card has been verified, tap Next. Then start using Apple Pay.


Q. How do I add a card on your Mac?

  1. Go to System Preferences > Wallet & Apple Pay.
  2. Tap Add Card.
  3. Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. You will be prompted to verify your account by calling Ascentra at 563-355-0152 or 1-800-426-5241 (Monday-Thursday: 9am – 5:30pm, Friday: 8am-5:30pm, Saturday: 9am – noon).
  5. After your card has been verified, tap Next. Then start using Apple Pay.


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