Apple Pay FAQ's
- What is Apple Pay?
- What devices are compatible with Apple Pay?
- How does Apple Pay work?
- Can I use Apple Pay to make online purchases?
- How many cards can I register to Apple Pay?
- How do I add my CBI Credit Card to Apple Pay?
- How do I make a payment with Apple Pay?
- How do I manage my default card on Apple Pay?
- Do I need to be connected to Wi-Fi or cellular data to use Apple Pay?
- How do I choose which card I want to make a payment with?
- Will I continue to earn rewards and benefits on my card when I pay with Apple Pay?
- What should I do if I have trouble adding or using a card in Apple Pay?
- Will I be charged for using Apple Pay?
- How will I know if a transaction was successful?
- Can I keep track of purchases I’ve made with Apple Pay?
- Is Apple Pay secure?
- How secure is Apple Pay?
- Can Apple Pay access my bank account/s?
- What should I do if I lose my original payment card?
- Will my Apple Pay information still be on my device if it is formatted?
- What should I do if my device is lost or stolen?
- What should I do if my CBI Credit Card is due to expire?
- What will happen with Apple Pay if my CBI Credit Card is temporarily blocked or suspended?
- What should I do if my CBI Credit Card has been replaced?
- What should I do if I get rid of my device?
- Can I continue to use my physical payment card if I disable all cards from Apple Pay?
- Can I use Apple Pay on multiple Apple devices?
- The cashier has asked for the last 4 digits of my card, but the transaction has not gone through. What should I do?
- How do I remove my CBI Credit Card from Apple Pay?
- How do I return a purchase if I used Apple Pay to make the purchase?
- I have not yet completed the verification process; can I return to complete it?
- Will the card image in Apple Pay match my physical card?
- Why am I having problems using Apple Pay?
- What should I do if I still need assistance with Apple Pay?
Apple Pay is an easy, secure and private convenient way to make contactless payments in-store, online and in-app using select Apple devices. You can use Apple Pay anywhere that accepts contactless payments.
All CBI Credit Card holders using iPhone models with Face ID or iPhone models with Touch ID (except iPhone 5s), iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID, Apple Watch Series 1 and later can use Apple Pay. Please visit https://support.apple.com/en-ae/HT208531 for a full list of compatible devices.
Apple Pay uses Near Field Communication (NFC) to make contactless mobile payments. NFC enables Apple Pay to wirelessly transmit payment data to payment terminals that have active NFC readers.
Yes, you can use Apple Pay both on online and in-app when you see Apple Pay as a payment option. Please visit https://www.apple.com/ae/apple-pay/ for more information.
You can register up to 8 cards for use with Apple Pay.
On iPhone
- Open Wallet and tap the “+” icon in the top right corner or tap “Add a credit or debit card to Wallet”.
- Scan your CBI Credit Card with your iPhone camera, or manually enter the card details, then input the 3-digit security code found on the back of your card.
- Accept the Terms and Conditions.
On Apple Watch
- Open the Apple Watch App on your paired iPhone.
- Tap “Wallet & Apple Pay”.
- Tap “Add Credit or Debit Card” and then complete the verification steps.
On iPad/Mac
- Open System Preferences.
- From the Settings menu, tap “Wallet & Apple Pay”.
- Follow the onscreen instructions to successfully add your card.
In-Store
- To pay using Touch ID, place your finger on Touch ID and hold your iPhone near the contactless reader.
- To pay using Face ID, double-click the side button, glance at your screen then hold your iPhone near the contactless reader.
- To pay using your Apple Watch, double-click the side button and hold your Apple Watch near the contactless reader.
Online and In-App
- To pay online and in-app, select Apple Pay at checkout where available, select your desired card or address info and authenticate the payment using Touch ID, Face ID or your passcode.
The first card you add to your Apple Wallet will become your default card. To change your default card please follow the steps below:
On iPhone
- Open the Wallet app.
- Touch and hold your finger on the card that you want to set as your default card.
- Drag the card to the front of the cards in the Apple Pay section.
On iPad/Mac
- From the Settings menu tap “Wallet and Apple Pay”.
- Scroll down to “Transaction Defaults”, tap “Default Card” and choose a card you want to set as your default card.
On Apple Watch
- Open the Apple Watch app on your paired iPhone.
- In the My Watch tab, tap “Wallet and Apple Pay”.
Under “Transaction Defaults”, tap “Default Card” and then tap a card you want to set as your default card.
No, to make an Apple Pay transaction you do not need to have a Wi-Fi or cellular data connection. However, please note that you do need an internet connection to enrol or disable cards from Apple Pay and to check card available balance/limit. Please also note that Apple Pay may require you to periodically login to the app and connect to the internet with your device to keep the app active.
The first card you add to Apple Pay will become your default payment card and will remain so unless you change it. To change your default card, please follow the instructions under the FAQ “How do I manage my default card on Apple Pay?”.
Yes, you will still get all the rewards and benefits that your card currently provides when you pay with Apple Pay.
Please contact our 24/7 customer service agents on 600544440.
No, there are no charges for using Apple Pay.
After completing a payment using Apple Pay, confirmation will be displayed on your mobile screen.
You will receive an immediate notification after each transaction made using Apple Pay. When you open the card in Apple Wallet, you will only see the latest transaction made. To view your last 10 transactions, go to the transaction tab (tap on your card in Apple Wallet to display). Kindly note, transaction history is not available on Apple Watch.
Yes. Apple Pay does not send your physical credit card number when you make a payment. Instead, a virtual card number is used to represent your account information thus ensuring your card details stay safe. Additionally, you are required to authorise all transactions with either Touch ID, Face ID or your passcode.
Apple Pay utilises numerous security features to ensure your Apple Pay transactions are secure, such as:
- Every Apple Pay transaction requires authentication with Touch ID, Face ID or your passcode, making it safer than using a traditional credit or debit card.
- Your card numbers and personal details aren’t shared with merchants.
- Your physical card numbers are not stored on your device or on Apple servers. Unique token numbers are instead used.
No, Apple Pay does not have access to your bank accounts.
The payment cards on Apple Pay are digital versions of your physical cards. If you lose your original payment card, simply remove the original payment card from Apple Pay and register your replacement card.
No, formatting your device will remove all payment cards registered to your device.
If your device is lost or stolen, please contact us on 600544440 and we can delete your card from Apple Pay. We also recommend that you register for and use the Find My iPhone app which will allow you to find, lock and delete details from your device.
You will be able to continue to use Apple Pay until your card expiry date. Once you receive and activate your new card, you will need to register it for use with Apple Pay.
Your Apple Pay transaction will be declined.
You will need to register your replacement card to continue using Apple Pay.
All data on your device should be deleted before you get rid of it. This includes deleting all cards you have added to Apple Pay.
Yes, removing cards from Apple Pay will have no effect on your physical cards.
Yes, you can use Apple Pay on multiple devices.
When a merchant asks for the last four digits of the card, please provide the last four digits of the Device Account Number; not the last four digits of the physical card number. To find the last four digits of your Device Account Number for your card, open the Wallet and select the desired card, then tap the information icon in the bottom right. You will see the Device Account Number under the tab "Info".
- To remove a card from your Wallet, select the card you want to remove, tap the "Info" tab then tap "Remove Card".
- To remove a card from Settings, open Settings, tap “Wallet & Apple Pay”, tap the card to be removed and then tap “Remove Card”.
- To remove a card via Find my iPhone through iCloud, go to “Find my iPhone”, select the device under “My Devices” and select “Remove” on the card that you wish to remove.
- From iCloud, open Settings, select “My Devices”, select the device you wish to remove your card from and then select “Remove” on the card that you wish to remove.
If you return an item you paid for with Apple Pay, the store may require you to tap or wave your phone on the payment terminal to complete the transaction for refund. Please talk with the retailer directly to refund a transaction.
Yes, simply return to the Wallet to complete your set up by opening the Wallet App, tapping your card and choosing your verification method.
The card image may not be an exact match, but this won’t affect how your cards work with Apple Pay.
There could be several reasons for this, including:
- There may be insufficient funds or credit limit available to make the transaction.
- The payment is over AED 300. Some merchants may not support Apple Pay transactions above AED 300 on their terminals.
- The merchant does not accept contactless payments. Please use another payment method such as your debit or credit card with chip and PIN authorisation.
- If you have done any of the following on your device, all cards in the Wallet will be deleted:
- Sign out of iCloud
- Remove Passcode/Touch ID
- iTunes Full Restore
- Erase All Content & Settings
Please contact our 24/7 customer service agents on 600544440 for further assistance.
Apple Pay is an easy, secure and private convenient way to make contactless payments in-store, online and in-app using select Apple devices. You can use Apple Pay anywhere that accepts contactless payments.
All CBI Credit Card holders using iPhone models with Face ID or iPhone models with Touch ID (except iPhone 5s), iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID, Apple Watch Series 1 and later can use Apple Pay. Please visit https://support.apple.com/en-ae/HT208531 for a full list of compatible devices.
Apple Pay uses Near Field Communication (NFC) to make contactless mobile payments. NFC enables Apple Pay to wirelessly transmit payment data to payment terminals that have active NFC readers.
Yes, you can use Apple Pay both on online and in-app when you see Apple Pay as a payment option. Please visit https://www.apple.com/ae/apple-pay/ for more information.
You can register up to 8 cards for use with Apple Pay.
On iPhone
- Open Wallet and tap the “+” icon in the top right corner or tap “Add a credit or debit card to Wallet”.
- Scan your CBI Credit Card with your iPhone camera, or manually enter the card details, then input the 3-digit security code found on the back of your card.
- Accept the Terms and Conditions.
On Apple Watch
- Open the Apple Watch App on your paired iPhone.
- Tap “Wallet & Apple Pay”.
- Tap “Add Credit or Debit Card” and then complete the verification steps.
On iPad/Mac
- Open System Preferences.
- From the Settings menu, tap “Wallet & Apple Pay”.
- Follow the onscreen instructions to successfully add your card.
In-Store
- To pay using Touch ID, place your finger on Touch ID and hold your iPhone near the contactless reader.
- To pay using Face ID, double-click the side button, glance at your screen then hold your iPhone near the contactless reader.
- To pay using your Apple Watch, double-click the side button and hold your Apple Watch near the contactless reader.
Online and In-App
- To pay online and in-app, select Apple Pay at checkout where available, select your desired card or address info and authenticate the payment using Touch ID, Face ID or your passcode.
The first card you add to your Apple Wallet will become your default card. To change your default card please follow the steps below:
On iPhone
- Open the Wallet app.
- Touch and hold your finger on the card that you want to set as your default card.
- Drag the card to the front of the cards in the Apple Pay section.
On iPad/Mac
- From the Settings menu tap “Wallet and Apple Pay”.
- Scroll down to “Transaction Defaults”, tap “Default Card” and choose a card you want to set as your default card.
On Apple Watch
- Open the Apple Watch app on your paired iPhone.
- In the My Watch tab, tap “Wallet and Apple Pay”.
Under “Transaction Defaults”, tap “Default Card” and then tap a card you want to set as your default card.
No, to make an Apple Pay transaction you do not need to have a Wi-Fi or cellular data connection. However, please note that you do need an internet connection to enrol or disable cards from Apple Pay and to check card available balance/limit. Please also note that Apple Pay may require you to periodically login to the app and connect to the internet with your device to keep the app active.
The first card you add to Apple Pay will become your default payment card and will remain so unless you change it. To change your default card, please follow the instructions under the FAQ “How do I manage my default card on Apple Pay?”.
Yes, you will still get all the rewards and benefits that your card currently provides when you pay with Apple Pay.
Please contact our 24/7 customer service agents on 600544440.
No, there are no charges for using Apple Pay.
After completing a payment using Apple Pay, confirmation will be displayed on your mobile screen.
You will receive an immediate notification after each transaction made using Apple Pay. When you open the card in Apple Wallet, you will only see the latest transaction made. To view your last 10 transactions, go to the transaction tab (tap on your card in Apple Wallet to display). Kindly note, transaction history is not available on Apple Watch.
Yes. Apple Pay does not send your physical credit card number when you make a payment. Instead, a virtual card number is used to represent your account information thus ensuring your card details stay safe. Additionally, you are required to authorise all transactions with either Touch ID, Face ID or your passcode.
Apple Pay utilises numerous security features to ensure your Apple Pay transactions are secure, such as:
- Every Apple Pay transaction requires authentication with Touch ID, Face ID or your passcode, making it safer than using a traditional credit or debit card.
- Your card numbers and personal details aren’t shared with merchants.
- Your physical card numbers are not stored on your device or on Apple servers. Unique token numbers are instead used.
No, Apple Pay does not have access to your bank accounts.
The payment cards on Apple Pay are digital versions of your physical cards. If you lose your original payment card, simply remove the original payment card from Apple Pay and register your replacement card.
No, formatting your device will remove all payment cards registered to your device.
If your device is lost or stolen, please contact us on 600544440 and we can delete your card from Apple Pay. We also recommend that you register for and use the Find My iPhone app which will allow you to find, lock and delete details from your device.
You will be able to continue to use Apple Pay until your card expiry date. Once you receive and activate your new card, you will need to register it for use with Apple Pay.
Your Apple Pay transaction will be declined.
You will need to register your replacement card to continue using Apple Pay.
All data on your device should be deleted before you get rid of it. This includes deleting all cards you have added to Apple Pay.
Yes, removing cards from Apple Pay will have no effect on your physical cards.
Yes, you can use Apple Pay on multiple devices.
When a merchant asks for the last four digits of the card, please provide the last four digits of the Device Account Number; not the last four digits of the physical card number. To find the last four digits of your Device Account Number for your card, open the Wallet and select the desired card, then tap the information icon in the bottom right. You will see the Device Account Number under the tab "Info".
- To remove a card from your Wallet, select the card you want to remove, tap the "Info" tab then tap "Remove Card".
- To remove a card from Settings, open Settings, tap “Wallet & Apple Pay”, tap the card to be removed and then tap “Remove Card”.
- To remove a card via Find my iPhone through iCloud, go to “Find my iPhone”, select the device under “My Devices” and select “Remove” on the card that you wish to remove.
- From iCloud, open Settings, select “My Devices”, select the device you wish to remove your card from and then select “Remove” on the card that you wish to remove.
If you return an item you paid for with Apple Pay, the store may require you to tap or wave your phone on the payment terminal to complete the transaction for refund. Please talk with the retailer directly to refund a transaction.
Yes, simply return to the Wallet to complete your set up by opening the Wallet App, tapping your card and choosing your verification method.
The card image may not be an exact match, but this won’t affect how your cards work with Apple Pay.
There could be several reasons for this, including:
- There may be insufficient funds or credit limit available to make the transaction.
- The payment is over AED 300. Some merchants may not support Apple Pay transactions above AED 300 on their terminals.
- The merchant does not accept contactless payments. Please use another payment method such as your debit or credit card with chip and PIN authorisation.
- If you have done any of the following on your device, all cards in the Wallet will be deleted:
- Sign out of iCloud
- Remove Passcode/Touch ID
- iTunes Full Restore
- Erase All Content & Settings
Please contact our 24/7 customer service agents on 600544440 for further assistance.
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