Apple Pay – FAQ

DFCU Financial Apple Pay – FAQ 04/15

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The easy and secure way to pay is here! You can now use your DFCU Financial MasterCard

Check Card or Visa

Platinum card with Apple Pay™.

Use Apple Pay to pay at participating merchants without swiping your card and within apps

without entering payment and contact information. Just pay with a single touch of your

finger using Touch ID™.

Which Apple

devices can I use with Apple Pay?

Apple Pay

is available in the United States with iOS 8.1 or later on the following devices with an iCloud

account:

Device

In Apps

In Stores

iPhone

6 Plus

iPad Air

iPad mini

Apple Watch

Only when paired with iPhone 5,

iPhone

5c, iPhone 5s, iPhone 6, or

iPhone 6 Plus.

Why doesn't Apple Pay work on older devices?

Mobile payment systems, such as Apple Pay, require a Near Field Communication (NFC) controller chip, and a

secure element chip, which was not available on previous Apple

devices.

Is Apple Pay available internationally?

At this time, Apple Pay is only available in collaboration with certain U.S. financial institutions. The

availability of Apple Pay outside the U.S. will be determined by Apple.

Where can I use Apple Pay?

Apple Pay is available in participating merchant apps, and you can use Apple Pay with your iPhone 6 or iPhone

6 Plus at more than 220,000 stores and restaurants whose payment terminals are set up to accept contactless

payments. Visit the Apple

site for a list of participating merchants and mobile apps (apple.com/apple-pay).

What is a contactless payment?

Contactless payments are transactions that use chip-based technology and require no physical connection

between the payment device (a card or mobile device) and the physical merchant terminal.

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Is Apple Pay secure?

Yes. Apple introduced a two-part security solution for Apple Pay. First, you must biometrically authenticate

the transaction either with your fingerprint, using Touch ID, or your security (4-digit) passcode. Second, your

account information is not stored on the device. Instead, a unique Device Account Number is stored in the

secure element on the individual device. Even if someone hacked your phone, no account information can be

stolen.

What is a Device Account Number?

For security, and to protect your card number, a Device Account Number (sometimes

referred to as a token account number) is created when you add your DFCU Financial

card to Apple Pay. This is a separate and unique device-specific number linked to

your DFCU Financial card. This Device Account Number may be different from your

plastic card number. The last four digits of your Device Account Number are listed

under the last four digits of your DFCU Financial card number and should be used

whenever an Apple Pay merchant requests the last four digits of your card number.

To locate your Device Account Number, tap Settings > Passbook

Which DFCU Financial cards will I be able to use with Apple Pay?

You will be able to use your consumer DFCU Financial MasterCard

Check Card or Visa

Platinum card with

Apple Pay.

Why am I being asked to call DFCU Financial to verify my card?

This is an extra security step from Apple. Simply call the number provided, and we will verify your card. Then

look for a Passbook

message letting you know your card is ready for Apple Pay.

Does DFCU Financial charge a fee to use Apple Pay?

No. DFCU Financial does not charge a fee for members to use Apple Pay. Wireless carrier fees may apply

depending on your data plan.

Will the card image in Apple Pay

match my physical card?

No. The card image won’t be an exact match. Please keep in mind that this won’t affect how your card works

with Apple Pay.

Can I put multiple cards on my Apple device?

Yes. At this time Apple

allows up to eight cards on your device.

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Can I put the same card on multiple devices?

Yes. You can add any card on up to 10 devices enabled with Apple Pay.

Is Touch ID (thumb print recognition) required?

Yes. If Touch ID (thumb print recognition) is not working on your Apple device, then your security (4-digit)

passcode can be entered.

How do I set my DFCU Financial card as my default card to pay?

On your iPhone, go to Settings > Passbook > tap on Default Card > tap on your DFCU

Financial card.

Will I have to sign a receipt when paying with Apple Pay?

As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store

and the transaction amount.

How will I know a transaction was successful?

You will briefly see a check mark with the word "Done" on your device after completing the payment.

Additionally, a confirmation will appear in Passbook.

How do I get a refund or return merchandise with Apple Pay?

The cashier can use the Device Account Number to find the purchase and process the return, just like they

would with a traditional credit or debit card payment. To see the last four digits of the Device Account

Number, go to Passbook > tap the card > tap the information icon. If the cashier needs your card details to

process the return, you can follow the same steps for making a payment. Hold your Apple Pay

enabled device

near the reader, select the card you used to make the original payment, and authorize the return with Touch

ID or your security (4-digit) passcode. 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 credit card or account statement.

Are my Apple Pay purchases protected under zero liability?

Yes. Whether you use a digital account number or a physical card, you are protected by zero liability

protection either with Visa

or MasterCard

against fraudulent transactions. If you suspect unauthorized use of

your card, please call us immediately at the number on the back of your card.

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Can I see my transaction history?

Yes. History is available for debit transactions in Passbook. Transactions shown are

for purchases made within that specific device. For a full account history and

financial transaction amounts, log into DFCU OnLine via your desktop or mobile

device.

Can I continue to use my physical card if I suspend or remove my card in Passbook?

Yes. You can continue to use your physical card. When you suspend or remove your card in Passbook, your

device-specific Device Account Number is suspended or removed.

If I erase my Apple device, does that cancel my physical card or can I continue to use it?

Erasing the information on your Apple device will have no effect on your physical card. You can continue to

use your card as you normally would. Erasing your Apple

device will delete the virtual cards from Apple Pay

and they can no longer be used. You can add your card back into Apple Pay at any time.

What happens if I replace my Apple

device?

If you replace your device, your DFCU Financial card will not transfer automatically. You will need to set up

Apple Pay again, and re-add your cards on the new device.

What if my physical card is lost or stolen?

Please contact DFCU Financial as soon as possible to close and reissue your card. Upon receipt of your

replacement card, you can add your new card to Apple Pay, and a new Device Account Number will be

assigned.

What if my Apple device is lost or stolen?

If your iPhone is lost or stolen, you can use Apple's Find My iPhone* to quickly put your device in “Lost Mode”

which will suspend Apple Pay, or you can erase your iPhone completely. You may also contact us at the

number on the back of your card to suspend your card from Apple Pay. You may continue use of your physical

card and repeat enrollment once you receive your new Apple Pay supported device.

*Find My iPhone must have been previously turned on for this option to be available.

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How do I remove my Card from Apple Pay?

To remove your card from Apple Pay, go to Settings > Passbook

> tap the card you

want to remove > tap Remove Card.

If I'm having issues with my device’s software or hardware, what should I do?

If you are having difficulty with your software or hardware, please contact Apple (apple.com/apple-pay).

Where can I find more information about Apple Pay?

To learn more about Apple Pay, please visit apple.com.

Apple, the Apple logo, iPhone, iPad, iPad Air, iCloud, and Passbook are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay,

Touch ID, Apple Watch, and iPad mini are trademarks of Apple Inc.