Apple Pay® Will Change the Way You Pay

Pay with a single touch

Use Apple Pay and your favorite  Zions Bank® Visa® card to pay the easy, more secure and private way at hundreds of thousands of stores and participating apps. See a list of participating Apple Pay merchants and apps on the Apple Pay page on the Apple web site.

A More Secure Way to Pay

Apple Pay transactions are authorized with TouchID® thumbprint security or your passcode, and transactions never use your card number.


  1. Make sure your iPhone® 6 or 6 Plus, iPad Air® 2, iPad miniTM 3 or Apple Watch® has the latest version of iOS8.
  2. Add your Zions Bank Visa card to Apple Pay.
  3. Use it within your apps or hold your device near a contactless reader with your finger on Touch ID.


Visit Apple for setup instructions and more about the benefits of using Apple Pay. Have questions? Review the Apple Pay frequently asked questions at the bottom of the page.

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Frequently asked questions

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.

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.

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.

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.

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.

Apple Pay is available on iPhone 6, iPhone 6 Plus, iPad Air 2, Apple Watch and iPad mini 3 running iOS 8.1 or later.

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.

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.

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

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

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

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