• You can make a payment within an App or participating website if you can see the Apple Pay icon during checkout. Enter your billing, shipping and contact information (you should only have to do this once as Apple Pay will store that information). If you want to pay with a different card, tap > next to your card. When you are ready, make the purchase by completing the device's second-level security (Passcode etc.) and once the payment information sends successfully, you'll see 'Done' and a checkmark on the screen.
• You can make a payment on a website using a Mac but the Mac needs to be signed into the same iCloud account as the iPhone and have Bluetooth enabled on your Mac. Follow the prompts.
• You can view the last 10 transactions made using Apple Pay on that device within the Wallet app. eftpos transactions made using your SERVICE ONE Alliance Bank Visa debit card with Apple Pay can currently only be viewed via Internet banking and/or the SERVICE ONE Alliance Bank app. Apple Pay transactions will appear on bank or credit card statements.
• Your card details are not stored on the device or in the Cloud. Instead, when a card is added to Apple Pay, a Device Account Number replaces the need for the card number. This Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigend to. The Device Account Number can be found by opening the Wallet app, tap the card, then tap the  symbol in the top right corner and then scrolling down to find Device Account Number.
• A single card can be added to Apple Pay on up to nine different devices but the card will need to be added to each device separately.
• Up to eight cards can be added to Apple Pay on a single device. The first card added to the device becomes the default card but you can change the default card.

Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch, iPad or Mac to make secure contactless purchase in stores, within selected apps and participating websites. Apple Pay is available on iPhone, iPad, Apple Watch, Mac with Touch ID, Mac with an Apple Pay enabled iPhone or Apple Watch and the latest OS. Click here for a list of compatible Apple Pay devices.

No, it does not cost you anything extra to use Apple Pay.The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions. You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.

You do not need to download any additional app to use Apple Pay. The latest version of iOS and watchOS is required to set up cards in Apple Pay. More on setting up Apple Pay. Adding a card to Apple Pay is different depending upon device:

Apple Watch

1. open the Apple Watch app on your iPhone
2. tap Wallet & Apple Pay and then Add a new Credit or Debit Card, follow the prompts
3. add the card details by either:
   - entering the card’s security code to add the credit or debit card you use with iTunes
   - using the camera to capture the card information
   - typing the card details in manually

iPad

1. go to Settings
2. tap Wallet & Apple Pay and then Add Credit or Debit Card, follow the prompts
3. add the card details by either:
   - entering the card’s security code to add the credit or debit card you use with iTunes
   - using the camera to capture the card information
   - typing the card details in manually

For security purposes, when a new card is added to Apple Pay we’ll ask you to complete a verification check before it can be used with Apple Pay. We’ll either:

• send a one-time password to the mobile phone number you have registered with us
• send a one-time password to the email address you have registered with us
• ask you to call us on 1800 857 959 and answer some security questions
• direct you to our mobile banking application to activate your card with Apple Pay.

You can use your device to make a payment using Apple Pay in stores or anywhere you can tap and pay. Apple Pay can also be used within apps or on participating websites wherever they see the buy with Apple Pay mark.

With your iPhone, iPad and Apple Watch, you can use Apple Pay to pay within apps and on participating websites when you see Apple Pay as a payment option. 

To pay with Apple Pay within an app:

1. tap the Apple Pay button or choose Apple Pay as your payment method
2. check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap > next to your card
3. if you need to, enter your billing, shipping and contact information on your iPhone or iPad. Apple Pay will store that information, so you won't need to enter it again
4. confirm the payment. When your payment is successful, you'll see Done and a tick on the screen

To pay with Apple Pay on the web in Safari using iPhone or iPad):

1. tap the Apple Pay button
2. check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap > next to your card
3. if you need to, enter your billing, shipping and contact information. Apple Pay will store that information, so you won't need to enter it again.
4. when you’re ready, make your purchase and confirm the payment
5. when your payment is successful, you’ll see Done and a tick on the screen.

No, there is no transaction limit for Apple Pay transactions. Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card. You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet app and tapping the (...) symbol in the top right corner and then scrolling down to find Device Account Number.

You may be able to get cash out at selected merchants with your SERVICE ONE Alliance Bank Visa debit card by selecting 'eftpos CHQ' or 'eftpos SAV' in Apple Pay.

Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer. Other features which help to keep your payments secure and safe include:

iPhone and iPad - all transactions require authentication using Face ID, Touch ID (if enabled), or by entering the device passcode.

Apple Watch - payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.

Please note, you should never share your device passcode, or register more than one person’s Face ID, or Touch ID, while your card is registered to Apple Pay. 

The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:

iPhone

1. open the Wallet app 
2. touch and hold your finger over the card you want to make the default card
3. drag the card to the front of the cards in the Apple Pay section

Apple Watch

1. open the Watch app on your iPhone
2. go to the My Watch tab
3. tap Wallet & Apple Pay and then Default Card
4. choose a new card

iPad

1. go to Settings 
2. tap Wallet & Apple Pay and then Default Card
3. choose a new card

To remove a card from Apple Pay you must follow these steps:

iPhone

1. open the Wallet app 
2. select the relevant card and then tap  symbol in the top right corner to see all the card details
3. scroll down and select Remove Card

Apple Watch

1. open the Watch app on your iPhone
2. go to the My Watch tab
3. scroll down and tap Wallet & Apple Pay
4. tap the card and then tap Remove Card

iPad

1. go to Settings 
2. scroll down and tap Wallet & Apple Pay
3. tap the card and then tap Remove Card

Please note, if you remove your device passcode or Face ID, Touch ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.

To update your Card on iPhone 

1. remove your SERVICE ONE Alliance Bank card from Apple Pay on your iPhone - open the Wallet app, tap your SERVICE ONE Alliance Bank card, tap , then tap Remove Card.
2. add your SERVICE ONE Alliance Bank card back into Apple Pay on your iPhone - open the Wallet app, tap the “+” sign in the upper-right corner then tap ‘Add a Different Card’ and follow the prompts (do not choose previously provisioned card option)

To update your card on Apple Watch

1. remove your SERVICE ONE Alliance Bank card from Apple Pay on your Apple Watch - open the Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, tap the card, then tap Remove Card.
2. add your SERVICE ONE Alliance Bank card back to Apple Pay on your Apple Watch
3. open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay”, tap "Add Card” and select ‘Add a Different Card’ at the bottom of the screen, follow the prompts (do not choose previously provisioned card option)

If my card is lost or stolen? 

You should contact us straight away on 1300 361 761 so the lost or stolen card can be cancelled and no further purchases made. When the replacement card is issued we will automatically update Apple Pay with your new card details. You can continue to make purchases using Apple Pay before your new card arrives. You may be limited to transactions under $100 until your new PIN arrives. 

If my iPhone or iPad is lost or stolen?

If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into iCloud.com and remove all cards from Apple Pay remotely. If you do not have the app you should contact us on 1300 361 761 to request that your card be disable for use with Apple Pay. 

If my Apple Watch is lost or stolen?

You should contact us on 1300 361 761 to request that your card be disable for use with Apple Pay. You should also go to iCloud.com and remove your card from Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally. 

More information if your iPhone, iPad or iPod touch is lost or stolen.

• You can use Google Pay almost anywhere contactless payments are accepted - just look out for the payWave and Google Pay logos. You can also make in-app purchases when you see ‘buy with Google Pay’ and in participating mobile apps.
• The first card you upload to Google Pay will be your preferred card. You can swap your preferred card at any time within the Google Pay App.
• As long as you have an Android phone running Lollipop 5.0 or above that is NFC enabled you should be fine to use Google Pay. To check the operating system on your device, go to Settings - About - Device - Android version.
• Don't get confused between Google Pay and Google Wallet - Google Wallet is a separate App that allows you to send and request money but Google Pay is the App you want to add SERVICE ONE Alliance Bank cards and to be able to transact on these cards digitally.

• You can pay on the web where Samsung Pay is available by selecting Samsung Pay as the payment method during checkout and then authenticate with your fignerprint, Passcode or iris scan. 
• Near Field Communication (NFC) and Magnetic Secure Transaction (MST) support means that Samsung Pay is accepted virtually anywhere you can pay by tapping or swiping your card. MST technology means Samsung Pay can be used almost everywhere around the globe.
• You can add up to 10 payment cards to Samsung Pay.
• Find out what devices are compatible with Samsung Pay.
• There is no default card in Samsung Pay. When you open the App or activate the Simple Pay feature by swiping up from the home key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.
• Samsung Pay uses Tokenisation, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify either using your fingerprint, iris scanner (Galaxy S8 and Galaxy S8+ devices (or later) only) or a 4-digit Passcode when making purchases. For out more about Samsung Pay security features.