Using 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.

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

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.

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.

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

1. Select the Buy with Apple Pay or Apple Pay button.
2. Check your billing, shipping and contact information are correct:

   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.

3.  When you are ready, make your purchase. 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.

No. At this stage you can’t use Apple Pay to withdraw cash. You’ll need to continue to use your plastic card to complete these transactions.

You can choose which Heritage card you’d like to use as a default using the instructions here.

For more information on managing the cards you use on Apple Pay see Apples support page: https://support.apple.com/en-au/HT205583

No. You don’t need an internet connect to use Apple Pay in stores.

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.

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.

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:

1. Select the card you want to be refunded
2. Hold the iPhone above or near the contactless reader and authorise the refund using Touch ID, Face ID or the device passcode; or
3. Hold the Apple Watch display up to the contactless reader and double-click the side button to authorise the refund

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.

Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet app.

Transactions will appear as they normally do on a bank or credit card statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.

Yes the user experience has changed, merchants will now select the network in which they wish to route transactions. You can still use Apple Pay the same way you always have by double clicking the side button and authenticating with Touch ID, Face ID or passcode.

You can determine whether your dual network debit card supports both networks by;
On iPhone
1. Open the Wallet app.
2. Tap on your card.
3. Tap the More button
4. Tap Card Number.
Within the Card Number section, if you see Mastercard or Visa and eftpos network, then the card is a dual network debit card.

On Apple Watch
1. Open the Wallet app.
2. Select the dual network debit card
3. Tap ‘Card Details’
After following the above steps, if you see eftpos and an international debit network
(Mastercard or Visa), then the card is a dual network debit card.

Newly provisioned dual network debit cards on iPhone running iOS 18 or above and on Apple Watch running WatchOS 11 or above.