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Apple Pay

Frequently asked questions


Apple Pay FAQs

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  1. What is Apple Pay?

    Apple Pay is a new way for consumers to make in-store and in-app purchases using the iPhone 6, iPhone 6 Plus, iPad Air® 2, iPad mini or Apple Watch (coming in early 2015).

    iPhone 6 transactions are made at participating merchant point of sale (POS) locations using the near field communication (NFC) chip embedded in the consumer’s device to communicate card data instead of using a plastic credit or debit card. Transactions travel over existing debit and credit card networks. Apple Pay transactions can also be made in participating applications, such as Groupon.

    Consumers can register one or more card accounts using Apple’s Passbook feature.

  2. How is using Apple Pay different than using a plastic card?

    Apple Pay uses a tokenization system that improves the security of consumer debit/credit card information. Each time a consumer uses his/her phone to make a purchase, a one-time number is generated and provided to the merchant. This number cannot be used again, and—even if the data is breached anywhere in the process—it can’t be used to defraud the consumer’s core account. This increases consumer security and decrease costs to card issuers related to data breaches and card reissuance.

    Apple Pay also allows transactions to be verified using the phone’s finger print scanner, adding biometric authentication of the user. If the phone is lost, it can’t be used by anyone other than the owner.

  3. Where can Apple Pay be used?

    In order to accept Apple Pay in-store, merchants must have NFC-enabled equipment at the POS and an agreement with Apple to process these payments. Several large retailers have already announced their participation, including Nordstrom, McDonald’s, Bloomingdale’s and Macy’s. By the end of Jan. 2015, about 220,000 retail locations will likely accept Apple Pay within the US, out of a total of 9 million merchants. The number of retail locations accepting Apple Pay is expected to grow, but not all retailers will participate. Walmart and Best Buy have announced that they will not participate.

    Available apps can be found on the Apple Pay page on the Apple web site.

  4. What credit or debit cards can be used with Apple Pay?

    Currently, Visa consumer and small business credit cards and debit cards can be used with Apple Pay. Visa commercial cards and gift cards and MasterCard products can’t be set up in the Apple Pay Passbook.

  5. Which devices can be used with Apple Pay?

    Apple Pay is available on iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3 running iOS 8.1 or later. Apple Watch is expected to be available in early 2015.

  6. How do I set my Zions Bank card as my default card for payments?

    Once your card is added to Apple Pay, go to Settings and select Passbook and Apple Pay. Then, tap Default Card and select your card.

  7. How safe is Apple Pay?

    Apple Pay has enhanced security features that aim to make payments more secure than traditional ways to pay. Read more about how Apple Pay keeps payments secure.

  8. Are my Apple Pay purchases covered by Zero Liability Fraud Coverage?

    Yes. Zero Liability coverage applies to all fraudulent purchases made with your Zions Bank credit or debit card, including those made through Apple Pay.

  9. Will I still earn rewards and benefits from my card when I pay using Apple Pay?

    Absolutely! You’ll get all the benefits and protections that your credit or debit card provides. If you currently earn rewards on purchases, you’ll continue to earn them for purchases made with Apple Pay.

  10. Is Apple Pay free to use?

    It is! Be aware that charges from your mobile carrier may apply depending on your data plan.

  11. How will I know a transaction was successful?

    After completing a payment using Apple Pay, confirmation will appear in Passbook if you have this feature turned on.

  12. Will I be able to see a history of my transactions made with Apple Pay?

    Yes! Your most recent credit card purchases are kept in Passbook if you have this feature turned on.

  13. What if I still have questions or need help with Apple Pay?

    Simply call Zions Bank at 888-758-5349.


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This page was last modified on Thu Sep 21 20:15:33 MDT 2017