Apple Pay help.

What is Apple Pay?

Apple Pay allows you to use your compatible iPhone and Apple Watch to pay securely in shops, and also iPad and Mac within apps and on the web using Safari, instead of your physical card.

Where can I use Apple Pay?

You can use Apple Pay anywhere that accepts contactless payments. This feature is available on most merchant terminals in stores and is also known as Tap & go™. You will often see this symbol:

You can also use Apple Pay within apps and on the web using Safari, wherever you see this button, or see Apple Pay listed as a payment method.

Is Apple Pay safe?

Apple Pay is safer than using a plastic credit, debit or prepaid card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with either Face ID, Touch ID, or your device passcode.

Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you pay using Apple Pay. Your card number and identity are not shared with the merchant, and your actual card numbers are not stored on your device.

When you pay in stores, neither Apple nor your device sends your actual card numbers to merchants. When you pay within apps and on the web in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorise to share to fulfil your order. Apps that use Apple Pay must contain a privacy policy that you can review, which governs the use of your data.

Learn more about Apple Pay security and privacy.

Is Apple Pay free?

There are no additional fees for using a card through Apple Pay.

However your standard carrier or mobile charges may apply.

Which devices are compatible with Apple Pay?

You can add your eligible ME card to compatible iPhone, iPad, Apple Watch, and Mac models with Touch ID.

Complete list of Apple devices that support Apple Pay

What should I do if I lose my ME card? Could I still use Apple Pay?

If your card’s gone missing, or could have been stolen, you’ll need to cancel your card as soon as you can (and request your replacement to be sent out). Don’t forget to set the new PIN for your new card when it arrives.

While you are waiting for your new card to arrive you will be able to continue using Apple Pay. The new card details will be automatically updated in your digital wallet when the new card is issued.

There are a very small number of situations where customers have been asked for a PIN by a merchant terminal. So there may be times where you will need to wait for the new card to arrive, set a new PIN, and then continue to use Apple Pay.

What should I do if I lose my Apple device?

If Find My [device] is enabled on your missing device.

You can use the 'Find My' app to find your device, take additional actions to help you recover it and keep your information safe. More information about Find My from Apple

Contact us on 13 15 63, 24/7 to suspend or disable your card on your device.

Please note that if you suspend your card on your device you will still be able to use that card on other devices, as well as the physical card. Please ask our team about this when you call.

What happens when I replace or update my Apple device?

Cards do not transfer – you will need to add your ME card to your digital wallet on your new device.

Find out how to update your card on iPhone.

How do I return an item that I bought using Apple Pay in a store?

Give the merchant your receipt and advise what items you'd like to return. They can start processing it just like any other return.

When asked, go ahead and tap your Apple device that you used to make the original payment, just as you did to pay and verify the return with either Face ID, Touch ID, or your device passcode.

Alternately you can also give the cashier your Device Account Number so they can look up the transaction that way if they need to. To see the last four digits of the Device Account Number:

• iPhone or iPad: Go to Settings > Scroll down to Wallet & Apple Pay, tap the card, then scroll down to Device Account Number.
• Apple Watch: Open the Apple Watch app on your iPhone, on the My Watch tab, scroll down and tap Wallet & Apple Pay, then tap your card.

Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your card statement. Apple Pay activity is also included on your card statements.

How do I add my ME card to Apple Pay?

iPhone

1. On iPhone, open the Wallet app
2. Tap the "+" sign in the upper-right corner
3. Follow the prompts to add your ME card to the wallet

Watch the demo video

Apple Watch

1. Open the Watch app on your iPhone
2. Select 'Wallet & Apple Pay'
3. Then tap 'Add Card'
4. And follow the prompts to add your ME card to watch.

Adding multiple cards to Apple Pay, and cards to more than one device.

We allow a maximum of ten devices to be associated with each card. Apple Pay also allows a maximum of twelve cards on a device for Apple Watch Series 3 and later, and iPhone 8 and iPhone 8 plus and later models. You can add up to eight cards on earlier models.

Find out how to add your card to iPhone.

Which ME cards can I use with Apple Pay?

All ME cards on the Mastercard scheme are compatible with Apple Pay.

All ME Go cards on the VISA scheme are compatible with Apply Pay.

How do I make my ME card the default card in my digital wallet?

When you add your card to the Wallet app your Apple device will ask you if you would like to make your ME card the default card.

If you already have your ME card in Wallet, you can do this as follows:

iPhone: Open the Wallet app, touch and hold the card, then drag your ME card to the front of your cards.

Alternatively, go to Settings > Wallet & Apple Pay > Tap “Default Card” and select your ME card.

Apple Watch: Go to Apple Watch app on your iPhone > On the My Watch tab > Scroll down and tap Wallet & Apple Pay > Tap “Default Card” and select your ME card.

Why am I seeing a message to contact my bank when trying to upload my ME card into Apple Pay?

While in most instances you should be able to set up your card using two-factor authentication, there are times when we may also need to speak with you.

This is usually to check your mobile number and email address, or to confirm that you are who you say you are. You may also be asked to contact us if there is an error in the set-up process.

What is a Device Account Number and how does it relate to my physical card number?

The Device Account Number is a unique number assigned to your card and your specific device. You will also see the last four digits listed on your transaction receipt in place of your physical card number.

This is a key security feature of digital payments and Apple Pay. A Device Account Number can only be used in association with your card and your device. This means it is more secure than your physical card number.

Can I add my card to Apple Pay as soon as it is issued?

You can add your new ME debit card to Apple Pay as soon as it is issued via the ME mobile app or ME Go app. However, if you are looking to add a credit card you will need to wait until your card arrives in the post so that you can accept the terms and conditions first.

On how many devices I can add a card?

Maximum of 10 devices.

How many cards can I add to a single device?

We allow a maximum of 10 devices to be associated with each card. Depending on your phone Apple Pay also allows a maximum of:

• 16 cards for iPhone XS and later
• 12 cards on a device for Apple Watch Series 3 and later, and iPhone 8 and iPhone 8 plus and later models.
• 8 cards on devices pre iPhone 8

Can I add another bank's card to Wallet?

Yes you can.

I'm trying to add a card to my Apple Wallet but it shows me the message 'Card Not Added - Contact Your Issuer'. Can you help?

This error means there is an issue with your card. Please contact us on 13 15 63 for more info.

Do I need to use my card PIN with Apple Pay?

In most situations you will not need to use your PIN with Apple Pay. Instead you confirm you are who you say you are via the Apple Pay authentication process. However, in some situations a merchant terminal may still ask you to enter your account PIN.

Can I resume the deleted cards if I find my lost device?

No, once you’ve removed the card from Apple Pay, you’ll need to add it again if you wish to use your card in Apple Pay.

How will my personal information be shared with Apple?

See ME’s Privacy Policy here:

www.mebank.com.au/home/privacy/

See Apple Pay with ME’s terms and conditions here:

See Apple Pay terms and conditions

How secure is Apple Pay?

Apple Pay is safer than using a plastic credit, debit, or prepaid card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with either Face ID, Touch ID, or your device passcode.

Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch or when you pay using Apple Pay. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device sends your actual card numbers to merchants. When you pay within apps and on the web in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

Learn more about Apple Pay security and privacy

Can I view transactions in Apple Pay?

Apple Pay will display the 10 most recent transactions in Wallet. You can either view this within your digital wallet or via Settings > select your ME card to see your Latest Transactions.

How do I remove my card from the Apple digital wallet?

You can remove your card from the Apple digital wallet by following these simple steps:

iPhone: Settings > Wallet & Apple Pay > Select the card > Remove this card

Read more about removing a card from the wallet

Apple Watch: Open Apple Watch app on your iPhone: Wallet & Apple Pay > Select the card > Remove this card

Can I add a card again if I deleted it once?

Yes, you can add the card again even if you have previously deleted it.

If I receive a re-issued card do I need to update my card information in Apple Pay?

No you do not need to do anything. Your details will be updated automatically.

When a card is re-issued, rather than replaced, the card number will remain the same. The PIN will also remain unchanged.

What happens with Apple Pay when I close my account?

If you close your account your card in Apple Pay will be deactivated and will be removed from the Wallet app.

Why is the card design in Apple Pay different to my physical card design?

From time to time we will update the design of our cards. This new design is rolled out to customers as our fleet of cards is replaced due to expiry or lost / stolen. If you are ever unsure please contact us to check.

Does removing a card from my iPhone affect the card on my Apple Watch when they’re paired together?

No, any card added to your Apple Watch app is treated independently to the card(s) on your other devices. The cards in the Apple Watch and iPhone are treated as separate wallet payment tokens.

Does unpairing an Apple Watch from iPhone remove the card on Apple Watch?

Yes, you can’t use Apple Pay and all the cards from the wallet are removed.

Un-pairing the Apple Watch from the iPhone means the iWatch settings will be reset so all cards loaded into the Apple Watch will also be removed from the Apple watch.

How do I pay in store using my iPhone?

Paying with Apple Pay Face ID:

1. Double-click the side button and glance at your screen.
2. Hold your iPhone to the contactless reader to pay.

Watch: How to pay using Face ID

Touch ID:
Hold your iPhone to the contactless reader, with your finger on Touch ID to pay.

Watch: How to pay using Touch ID

How do I pay in store using my Apple Watch?

iPhone and iPad
Select Apple Pay at the check-out and complete the payment using Face ID or Touch ID

Mac
Select Apple Pay and complete the payment using your iPhone or Apple Watch. On Mac with Touch ID, pay using Touch ID.

Learn more about how to use Apple Pay.

Can I use my Apple Pay after I report my card as lost or stolen?

If your card’s gone missing, or could have been stolen, you’ll need to cancel your card as soon as you can (and get your replacement sent out). While you are waiting for your new card to arrive you will be able to continue to use Apple Pay.  The new card details will be updated for your Digital Wallet.

There are some caveats though. You will need to wait for your new card to arrive in the post in order to set the PIN. Generally Apple Pay does not require PINs however there are some merchant terminals that are set to request PINs for transactions over a certain value.

Do I need an internet connection to use Apple Pay to make purchases?

No, you do not need an internet connection to use Apple Pay and make purchases if you are using your iPhone, Apple Watch or iPad. However, if you are making an in-App purchase or a purchase via a website then you will need an internet connection on your device.

Will Apple Pay work overseas?

Yes, Apple Pay will work overseas on merchant terminals that accept contactless payments.  Look out for this symbol:

However, we also recommend that you take your physical card as a backup as not all merchants in all countries support contactless payments.

Can I get cash out with Apple Pay?

You may be able to get cash out at selected merchants with your ME Mastercard debit card by selecting EFTPOS and putting the transactions through as ‘savings; or ‘cheque’ in Apple Pay.

I can see my card in my digital wallet but my transaction is declining, why?

Some potential reasons for a decline using Apple Pay are:

1. The card is not active or has been blocked - you may need to call us to check on this
2. There are insufficient funds in the account - you could check the balance in your mobile app or via internet banking
3. The merchant terminal does not accept contactless payments

It is more than 3 days after the repayment due date and the minimum repayment has not been received.

Are the Apple Pay transaction limits and PIN the same as the physical card?

Yes, the card transaction limits include transactions made via Apple Pay. If a merchant terminal asks for a PIN you should enter your card PIN.

How to use Apple Pay with your ME Debit card?

Once you have added your ME Debit card to your iPhone’s Wallet app, payments will default to the card scheme network. You can change your payment network once you have authenticated, before making a payment. Authenticate and then choose eftpos SAV on your device.

To change the default payment to eftpos on your iPhone, open the Wallet app, tap on your ME Debit card, tap the three dots and select eftpos SAV from the ‘Payment Option’ section.

To update the payment on your Apple Watch, double-click the side button and select your ME Debit card, then firmly press the display, then choose eftpos SAV.

Note: The device will default to the account last used for the next payment.

Can I get cash out from merchants?

Yes, some merchants/retailers have enabled this functionality and you will be able to get cash out using your ME Debit card. Cardholders will need to ensure that the eftpos SAV payment is selected for the cash out transaction to be processed successfully. You will be required to enter your card PIN at some contactless terminals when getting cash out.

Can I view transactions in the Wallet app?

You can view the last ten ME Debit transactions made using Apple Pay in your Wallet app if they were made using the Mastercard Network. Alternatively, you can log into internet banking or ME’s app. eftpos transactions made using Apple Pay currently can only be viewed via internet banking or ME’s app.

Will I get a notification for declined transactions?

Yes, notifications will be sent for both approved and declined transactions. Note that notifications for Apple Wallet and/or ME Go will need to be switched on for notifications to come through.

Will I see transactions on my phone?

Apple Pay will display the 10 most recent transactions in Wallet.

Why do I see a tick mark with 'Done' on my iPhone when the terminal in the shop says the payment has been declined?

Some potential reasons for a decline using Apple Pay are:

• The card is not active or has been blocked - you may need to call us to check on this
• There are insufficient funds in the account - you could check the balance in your mobile app or via internet banking
• The merchant terminal does not accept contactless payments
• It is more than 3 days after the repayment due date and the minimum repayment has not been received.