Apple Pay | How to Set Up and Use Apple Pay
Apple Pay | How to Set Up and Use Apple Pay

Setting Up and Using Apple Pay

For Personal/Small Business Banking

 

Setting Up and Connecting Cards to Apple Pay

For directions setting up Apple Pay and connecting your card, please review this Apple Support article.

Conducting an In-store Transaction with Apple Pay®

1. When prompted to pay, hold your device within a ½ inch to an inch of the contactless (NFC) terminal. An image of your card will appear on the screen.

  • If you have multiple cards within Apple Pay and wish to use a different one, tap the one on-screen to choose another

2. If your iPhone as Face ID, double-click the side button. If prompted, authenticate with Face ID or enter your passcode to open Apple Wallet. If your phone as Touch ID, double-click the Home button.

3. When payment is successful, you will see “Done” and a checkmark on the display of the device.

  • If you are prompted for Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number. For iPhone, open Wallet, tap your card, then tap to see the Device Account Number.

Resolving Apple Pay Transactional Issues

If nothing appears on the Mobile Device or Terminal when Checking Out:

1. Ensure the point of sale terminal is NFC Enabled.

  • At a store, look for the Apple Pay® or NFC logo at checkout.  

2. Hold your phone within an ½ to an inch of the terminal. Do not attempt to wave the card over the terminal.

3. Consult with the cashier/sales agent to ensure that the terminal is functioning properly.

If Your Mobile Device Displays “Card Cannot be Read” or Similar Error Message:

1. Re-attempt payment by placing your phone near the terminal.

2. Check with the cashier/sales agent to ensure that the terminal is functioning properly.

3. If the terminal is functioning properly, please reach out directly to Apple Support, as this may be an application or hardware/software related issue.

If the Apple Pay Transaction is Declined at Checkout:

1. Verify that the issue is not related to the payment card (e.g., insufficient funds, incorrect PIN, etc).

2. If you have verified the above information, and still have trouble performing a transaction, please reach out to your local banking center to report the issue.