What is Apple Pay?
Apple Pay™ is a payment feature integrated into the Wallet app on your iOS device. It allows you to complete purchase transactions easily and securely, without having to carry cards or cash.
How does Apple Pay work?
Apple Pay uses Near Field Communication (NFC) Technology and Touch ID™ to complete purchases. With Apple Pay, instead of using your actual debit card number, a unique Device Account Number is assigned, encrypted, and securely stored in a dedicated chip in your device. The Device Account Number, a dynamic security code, and your fingerprint are used to process your payment. Your actual debit card number is never shared by Apple with merchants or transmitted with payment.
Do the terms and conditions of my Amalgamated Bank debit card still apply when I use Apple Pay?
How do I use Apple Pay to make payments?
To pay in stores, hold your device near the contactless reader while your finger is on the Touch ID icon. Once the transaction is complete, you’ll see “Done” on your device, along with a vibration and beep, confirming that your payment information was sent.
When and where will I be able to use my Amalgamated Bank debit card to pay with Apple Pay?
Amalgamated Bank customers will be able to start using their debit card to pay with Apple Pay on April 18th.
You can use Apple Pay at any merchant location where contactless payments are accepted. You can also use it to make purchases in-app with participating apps.
Do I have to use Apple Pay, or can I continue to pay the way I always have?
Using Apple Pay is completely voluntary. Your physical Amalgamated Bank debit card will not change and you can continue using it to pay merchants.
Which of my devices are compatible with Apple Pay?
Apple Pay is compatible with iPhone® 6 or iPhone 6 Plus, iPad Pro™ or iPad Air® 2, iPad mini™ 3 or later, and Apple Watch® paired with iPhone 5 or later.
Can I use Apple Pay if I don’t have an Apple device?
No. Only Apple devices are compatible with Apple Pay. Contactless payment options for other devices may be available in the future.
How do I set up Apple Pay on my device?
Open the Wallet app and Apple Pay on your iPhone or iPad. Tap the plus sign and choose the Amalgamated Bank debit card you would like to select as your default card. Continue by following the on-screen instructions. You may also add other cards beyond the default card.
I’m trying to add my Amalgamated Bank debit card to my Wallet app, but it is not loading or is greyed out. What’s wrong?
The problem may be that you are adding too many cards. As of now, Apple allows a maximum of eight cards to be included in the Wallet app at a time. Try removing another card from the Wallet app to make room for your Amalgamated Bank debit card. If the problem persists, visit Apple support at https://www.apple.com/support/apple-pay/
Is Apple Pay safe and secure?
Yes. When you use Apple Pay, your card information is never stored on your device and therefore, never collected by merchants. Instead of using card information to complete transactions, a Device Account Number that is unique to your device is used. This, paired with Touch ID fingerprint technology, adds even more security. For more information on Apple Pay security, please visit https://support.apple.com/en-us/HT203027
What if the device I use to pay with is lost or stolen?
If your iPhone or iPad is ever lost or stolen, you can use the Find My iPhone feature to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely. For more information on how to set up and use the Find My iPhone feature, please visit: https://support.apple.com/kb/PH19293?locale=en_US
You can also disable Apple Pay on your lost device using iCloud.com. Just log in to iCloud.com from another device to make changes to your settings.
For your security, you should regularly review the transactions that are charged to your account. If you notice any suspicious activity, please contact us immediately using the number on the back of your Amalgamated Bank debit card.
What if my Amalgamated Bank debit card is lost or stolen?
We recommend you cancel your debit card immediately by calling 800-500-1044. Once your card is cancelled, it is no longer active in the Wallet app. To remove your cancelled card from the Wallet app, go to Wallet & Apple Pay in Settings, tap the card that you want to remove, then tap Remove Card. When your new card arrives, you can add it to the Wallet app to continue using Apple Pay.
Will I be able to see my transaction history for purchases I made with my Amalgamated Bank debit card using Apple Pay?
Yes. Your most recent purchases appear in the Wallet app on your device. You will also see your transactions on your Amalgamated Bank monthly statement and within Online and Mobile Banking. Your monthly statement will serve as your official payment history.
Will the image of the Amalgamated Bank virtual debit card match my physical card?
The image of your virtual card in Apple Pay may differ slightly from your physical card, but this won’t affect how your card works with Apple Pay.
Will I sign a receipt or enter a PIN when paying with Apple Pay?
Depending on the merchant, you may need to sign a receipt or enter your PIN.
If I erase my phone or suspend my Amalgamated Bank debit card in the Wallet app, can I still use my physical card or has it been cancelled?
When you suspend or remove your card in Apple Pay, only your device-specific Device Account Number is suspended or removed. You’ll be able to continue using your physical Amalgamated Bank debit card to complete transactions.
Does it cost anything to use Apple Pay?
No. Amalgamated Bank does not charge any fees to use Apple Pay. However, an active data plan is required. Based on your wireless plan and mobile carrier's offering, additional messaging and data charges may apply.
Where can I get more information about Apple Pay?
If you have any further questions about Apple Pay, visit the Apple website at: http://www.apple.com/apple-pay/