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?
You can choose which Heritage card you’d like to use as a default. See the 'Managing your card in Apple Pay section' of the FAQs for instructions on how to change your default card.
For more information on managing the cards you use on Apple Pay see Apples support page: https://support.apple.com/en-au/HT205583
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?
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 other 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?
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.
Information on internet banking services, regular transfers, password maintenance and managing your details.