• What is Apple Pay®?
    • Apple Pay allows consumers to make in-store and in-app purchases using Apple® devices.

      Apple Pay 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 Wallet feature.

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    • How is using Apple Pay different than using a plastic card?
    • Apple Pay uses a tokenization system that improves the security of consumer debit and credit card information. A one-time number is generated and provided to the merchant each time you use your device to make a purchase. This number cannot be used again and it cannot be used to defraud your account. This increases consumer security and decreases costs to card issuers related to data breaches and card reissuance.

      Apple Pay also allows transactions to be verified using your device 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.

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    • Where can I use Apple Pay?
    • Visit Apple Pay to see a list of participating retailers and available apps.

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    • How do I set my First American Bank credit or debit card as my default card for payments?
    • Once your card is added to Apple Pay, go to Settings and select Wallet and Apple Pay. Then, tap Default Card and select your card.

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    • 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.

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

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    • Is Apple Pay free to use?
    • Enrollment and making purchases are free, but be aware that charges from your mobile carrier may apply depending on your data plan.

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    • How will I know a transaction was successful?
    • After completing a payment using Apple Pay, confirmation will appear in Wallet if you have this feature turned on. All transactions completed using Apple Pay will show up on your bank statement just like debit card purchases.

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    • Will I be able to see a history of my transactions made with Apple Pay?
    • Your most recent credit or debit card purchases are kept in Wallet if you have this feature turned on.

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    • What if I still have questions or need help with Apple Pay?
    • Contact your local branch to speak with a First American Bank representative.

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