Apple Pay® FAQ

Apple Pay® Frequently Asked Questions

What is Apple Pay?

Apple Pay allows you to pay for your purchases with your supported Apple device by holding your device near a contactless terminal at a participating merchant.

Is Apple Pay free?

Yes it is free to use Apple Pay with your First State Bank debit card. Of course, standard phone, data, and messaging rates apply.

How do I add my First State Bank debit card to Apple Pay? *Note - Debit card must be active to enroll.

Access the Settings app, Wallet & Apple Pay, then Add Credit or Debit Card. Then simply snap a picture of your debit card to add it to your Apple Pay.

How do I make my First State Bank debit card my default card in Apple Pay?

To set your debit card as your default:

     1. Go to Settings > Wallet & Apple Pay

     2. Tap Default Card

     3. Choose a your First State Bank debit card

How do I make an in-store payment with Apple Pay?

You can use Apple Pay at any merchant that utilizes contactless terminals. To make a purchase with your device using your default card, just follow these steps:

     1. Rest your finger on Touch ID

     2. Hold your device within one inch of the contactless terminal until you see Done and a checkmark on the screen.

How do I make an online or in-app payment with Apple Pay?

If Apple Pay is available, an Apple Pay purchase button will display at checkout. Simply touch the button to make your purchase. Additional information may be required by some merchants.

Is Apple Pay safe?

Yes. When you use Apple Pay, your debit card number, name, or security code are not stored on your device or given to the merchant reducing the risk of your data being stolen. A unique token, or digital account number is provided to the merchant instead, keeping your personal information private and protected. And, you still enjoy all of your debit card benets including Zero Liability protection against fraudulent purchases.

What do I do if my device is lost or stolen?

Apple’s Find My iPhone website lets you suspend its ability to make payments. Or you can contact First State Bank, who can suspend Apple Pay for your account. In any case, without your thumbprint or card information, no one should be able to use your device to make purchases.

How do I return an item?

The return process is the same as with any other return. You would follow the same steps to complete the return as you did to make the purchase. Some merchants may require to “see” the physical card or may require you to provide the last 4 digits of your digital account number. To see the last four digits used by Apple Pay, go to Wallet, tap the card, and tap “i” to find “device number.”

Can I get cash back using Apple Pay?

It depends on the merchant. If a transaction is declined with cash back, you may have to try again for just the purchase price.

Can I use Apple Pay internationally?

If your debit card is approved for use in the country you are visiting, you should be able to use Apple Pay.

Can I see my recent transactions in Apple Pay?

Yes. You may view recent purchases in your Wallet. To access:

     1. Open the Wallet app

     2. Touch the card you used to pay

     3. Tap “i”

     4. Tap “Transactions”

Be sure to keep your receipts as it may be required as proof of purchase.

Do I need to have an active Internet connection to use Apple Pay?

No. Apple Pay does not require an active Internet connection when making an in-store purchase. 

How can I get Apple Pay push notications on my transactions?

     1. Go to Settings

     2. Privacy

     3. Location Services

     4. Select Wallet

     5. Choose “While Using”

What do I do if my debit card that’s in Apple Pay is lost or stolen?

If your actual debit card has been lost, misplaced, or stolen, contact First State Bank immediately. Apple Pay will show your card to be invalid if you have cancelled your card with First State Bank. Your new debit card will then need to be added into Apple Pay.

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Apple, Apple Pay, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.