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Apple Pay®

Updated

How Do You Set Up Apple Pay?

To set up Apple Pay, you’ll need:

  • Your card details, including the card number, CVV, and expiry date.
  • An iOS device that’s compatible with Apple Pay (you can check compatibility here).

Follow these steps:

  1. Open the Wallet app on your device and tap the "+" sign.
  2. Follow the prompts to add your card.
  3. Read and agree to the terms and conditions.
  4. For security purposes, you may be asked to verify with a one-time passcode (OTP). You can choose to receive this via text or email.

If you need more help, refer to the Apple Pay Help Center.

Why Can’t You Add Your Card to Apple Wallet?

If you’re having trouble adding your card, check the following:

  1. Ensure Your Device is Compatible:
    • Your device must be running the latest version of iOS, watchOS, or macOS.
    • Your device needs to have Face ID, Touch ID, or a passcode set up.
  2. Check for Service or Connection Issues:
    • Ensure there are no service disruptions affecting Apple Pay.
  3. Review Your Apple ID Details:
    • If you’ve recently changed your Apple ID password, phone number, or email address, you may need to wait before adding your card due to security checks.
  4. Check the you have not reached the maximum number of cards on your device: the following maximums apply -
    • iOS 14: 
    • iOS 15:
      • iPhone 6s and 7: 8
      • iPhone 8: 12
      • iPhone XS and later: 16
    • iOS 17: no restriction

If you see one of these messages:

  • Could Not Add Card
  • Invalid Card
  • Card Device Limit

Contact Joinn Support for assistance by submitting a request and we’ll guide you on the next steps to resolve the issue.

What Happens If You Don’t Receive the Verification Code?

If you didn’t receive the OTP (one-time passcode), verify that the mobile number or email linked to your account is correct. Update these details if needed by navigating to the Spending Account, selecting "Account Information" and selecting the button labeled "Change Mastercard Contacts".

Once your contact details are updated and confirmed, try adding your card again.

Managing Cards in Apple Wallet

What should you do if your device is lost or stolen?

You have two options:

  1. If Find My iPhone is enabled, you can use it to suspend or permanently remove the ability to pay with Apple Pay from the lost device.

  2. You can remove your cards through your Apple ID account page. Sign in, select the lost device, go to the Apple Pay section, and click Remove or Remove All. 

    Even if the lost device is offline or not connected to WiFi or cellular data, your card(s) will still be suspended or removed from Apple Pay.

  3. If you are still concerned, cancel your card via the Joinn app by going to the dashboard and hovering over the active card to reveal the "Cancel" button. Follow the prompts to cancel your card. You can then proceed to instantly create a new card.

 

Help with Using Apple Pay

What’s the Cost of Using Apple Pay?

There’s no cost to set up and use Apple Pay. However, standard transaction and currency conversion fees may still apply.

How Secure Is Apple Pay?

Apple Pay is highly secure:

  • Every transaction requires authentication through Face ID, Touch ID, or your passcode.
  • Your full card number is never stored on your device or shared with merchants.
  • Apple Pay uses a device-specific number and unique transaction reference for each purchase.

Important: Avoid registering fingerprints or sharing passcodes with others while your card is active in Apple Pay.

How Do You Make Payments Using Apple Pay?

In-Store:

  1. Hold your phone over the payment terminal.
  2. Authenticate using Face ID, Touch ID, or your passcode.
  3. By default, the transaction will use your default card. If you want to use a different card:
    • Double-click the side or home button.
    • Swipe to select the desired card.
    • Hold your phone near the terminal to complete the transaction.

An internet connection is not required for in-store payments.

Online or In-App:

  1. Look for the Apple Pay icon at checkout.
  2. Select the card you want to use.
  3. Authenticate using Touch ID or Face ID.

How Many Cards Can You Add to Apple Pay?

There are no restrictions on the number of cards you can add to Apple Pay.

Where Can You See Your Apple Pay Transactions?

You can view your Apple Pay transactions in the Wallet app. Simply select your card, and your recent transactions will be displayed.

 

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