What is Apple Pay?
Which Apple devices are compatible with Apple Pay?
For a full list of compatible Apple Pay devices, see https://support.apple.com/en-au/HT208531
Does Apple store the card details?
What is the Device Account Number?
Where can I find the Device Account Number?
Does it cost me anything to use Apple Pay?
Setting up Apple Pay
To set up Apple Pay here’s what you need:
You do not need to download any additional app to use Apple Pay but the latest version of iOS and watchOS is required to set up cards in Apple Pay.
For more information on setting up Apple Pay, see Apples support page: https://support.apple.com/en-au/HT204506
How do I add a card to Apple Pay?
Heritage Mobile Banking App
Add a card on your iPhone
About Card Verification
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:
Can a single card be added to multiple Apple Pay devices?
Can multiple cards be added to the same Apple device?
How do I change my Apple Pay payment network from Visa to eftpos?
When you add your Heritage Bank Visa Debit or Credit Card to Apple Pay, the card will be defaulted to the Visa network for payments with Apple Pay.
How to change the payment network on iPhone
To change the payment network on iPhone, open the Wallet app, tap on your Heritage Bank card, tap the more button , choose the network.
How to change the payment network on Apple Watch
To change the payment network on Apple Watch, double-click the side button and select your Heritage Bank card, tap your card, choose the network.
If you have already added your Heritage Bank card to Apple Pay and do not see this option, you may need to re-add your card - learn how.
Where can I use Apple Pay?
You can use Apple Pay wherever contactless payments are accepted or you see the contactless symbol:
Apple Pay is easy to use, and works with the Apple devices you use every day. You can make secure purchases in stores, within selected apps and on participating websites.
How do I make payment in stores with an iPhone?
To pay with Face ID – double click the side button, glance at your screen, then hold the iPhone near the reader.
To pay with Touch ID – hold your iPhone near the reader and rest your finger on Touch ID.
To pay with device passcode – hold your iPhone near the reader and enter your device passcode
How do I make payment in stores with an Apple Watch?
With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorise a payment – whilst wearing the Apple Watch.
Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. 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 Apple Pay payments within an app or on participating websites?
To pay in selected apps and on the web in Safari on your iPhone, iPad, Apple Watch, select Apple Pay at the check-out and complete the payment.
With Face ID glance at your screen, for Touch ID place your finger on Touch ID or you can enter the device passcode. For Apple Watch double-click on the side button.
Be sure to 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.
Can I use Apple Pay to make a payment on a website using my Mac?
To pay on the web in Safari on your Mac, select Apple Pay and complete the payment using either your iPhone or Apple Watch. On Mac models with Touch ID, pay using Touch ID.
Your Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac.
At the check out
a) The default card can be changed by clicking the button next to the default card and selecting a new credit or debit card from any iPhone or Apple Watch which is nearby and signed into the same iCloud account.
b) 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.
Can I use Apple Pay to make cash withdrawals?
Which card does Apple Pay use when I pay?
Do I need an internet connection to use Apple Pay to make purchases?
Is there a transaction limit when using Apple Pay in store?
No, there is no transaction limit when using Apple Pay. For transaction over $100 you might be asked to enter your card PIN on the retailer’s payment terminal.
Can I use Apple Pay overseas?
Apple Pay will work in all countries where contactless payments are accepted and where you've selected the Visa (CR) network to make your purchase. We recommend you take your plastic card as a backup, as not all merchants in all countries may support contactless payments.
You might also like to notify Heritage of your intention to travel so that we can note this on your account.
How do I return an item purchased with Apple Pay in stores?
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 others may have to refund the plastic card.
If the retailer is able to refund the device used to make the original purchase, you:
You may need to provide the last four digits of your Device Account Number to the retailer. This can be found by opening the Wallet app on your iPhone, tap the card and tap the symbol and then scroll down to find Device Account Number.
Will I be able to view my Apple Pay transactions within the Wallet app?
Will I be able to view my Apple Pay transactions in my bank statement?
How do I change my default card?
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:
For more information on managing the cards you use on Apple Pay see Apples support page: https://support.apple.com/en-au/HT205583
How do I remove a card from Apple Pay?
To remove a card from Apple Pay you must follow these steps:
Please note: if you remove your device passcode or Touch ID/Face ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.
How do I update my Heritage card in Apple Pay to include the eftpos payment network?
To update your Heritage card on a compatible iPhone:
Step 1: Remove your card from Apple Pay on your iPhone.
Step 2: Add your card back into Apple Pay on your iPhone.
To update your Heritage card on a compatible Apple Watch:
Step 1: Remove your card from Apple Pay on your Apple Watch.
Step 2: Add your card back to Apple Pay on your Apple Watch.
What should I do if my card is lost or stolen?
If your Heritage Visa Debit or Credit Card is lost or stolen you’ll need to report this to Heritage as soon as possible so that we can cancel your card.
Follow our steps to report a lost, stolen or damaged card using your Heritage Mobile Banking App. If you do not have the Heritage Mobile Banking App, you can cancel your card in Heritage Online or contact us for assistance.
Once you report your card as lost or stolen, you will no longer be able to use your physical card.
If your card has been loaded onto a digital wallet, online store or subscription service which is linked to your card credentials, you will still be able to make transactions and your card details will automatically be updated when you activate your new card. To cancel these contact us on 13 14 22.
If you notice any unauthorised transactions, we can help you dispute a transaction.
What do I do if my iPhone or iPad is lost or stolen?
What should I do if my Apple Watch is lost or stolen?
You should contact us to request that your card be disabled for use with Apple Pay. You should also go to iCloud.com to suspend or remove your card from Apple Watch. If you find your Apple Watch you can resume the card (if placed into suspended mode) via iCloud or you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally.
How secure is an Apple Pay transaction?
Apple Pay is very secure. You’re protected through your Apple device’s security settings (i.e. Face ID, Touch ID or your device passcode) on every transaction.
In addition, Heritage monitors your transactions to identify any unusual account activity. For further information on Apple Pay security, visit the Apple support page: https://support.apple.com/en-au/HT203027
Will merchants receive my physical card number?
Is Apple Pay secure?
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
Payments can only be authorised by using Touch ID or Face ID (if enabled), or by entering the device passcode.
Payments can only be authorised if the device passcode has been entered, you’re wearing your Apple Watch and skin contact with the device has not been lost. If the device is 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 biometrics (fingerprint or face), while your card is registered to Apple Pay.
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