Apple Pay™ at Elements Financial | Elements Financial

Apple Pay™ at Elements Financial

Elements has implemented Apple Pay, a new category of service that will transform mobile payments with an easy, secure and private way to pay. 

Now available for both Elements Visa® Debit and Credit Cards, Apple Pay allows you to pay for your purchases with your iPhone® by holding your phone near a contactless reader.


Get Ready for Apple Pay

Security and privacy is at the core of Apple Pay. When you add a credit or debit card with Apple Pay, the actual card numbers are not stored on the device nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time unique dynamic security code, instead of using the security code from the back of your card.

Using Apple pay is easy. Simply load your Elements debit or credit card using Passbook and look for stores that have the Apple Pay or payWave logo. Place your finger on the Touch ID and wait for your payment to be accepted.

Don't have an Elements Debit or Credit Card? Learn more about debit cards and our complete suite of credit cards to meet your financial needs.


Getting Started: Load Your Debit or Credit Card

Before making a payment with your Apple device you will need to follow a few simple steps to enroll in Apple Pay and add your existing card(s).



For further instructions on how to get started, visit Apple.com.


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

Where to Use: Participating Businesses

Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels, and so many places you already enjoy. Simply look for the contactless terminal logo and/or Apple Pay logo at participating stores.

In addition, you can use Apple Pay to pay in some of the most popular apps in the App Store.

You can use Apple Pay at thousands of stores locations, including:

 

 

 

 

  • Bloomingdale’s®
  • Firehouse Subs®
  • McDonald’s®
  • Macy’s®
  • Meijer®
  • Office Depot®
  • Nike®
  • Petco®
  • RadioShack®
  • Staples®
  • Subway®
  • Toys "R" Us®
  • Walgreens®
  • Whole Foods Market®

View a full list of stores that accept Apple Pay.


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

Frequently Asked Questions

Is Apple Pay free?
Yes. Be aware that message and data rates may apply, depending on your data plan.

How does my Apple device transmit payment details?
When shopping in-store, simply activate the payment functionality on your Apple device and hold the device in front of a contactless reader. The digital account information stored on the device will be transmitted directly to that contactless reader.

When I use the camera to add the card, the card details are not showing correctly. What do I do?
In the event your card detail cannot be captured by your phone through your camera, proceed with entering in all of the required fields manually. This will also process and add your card normally into Apple Pay.

When I add my card to Apple Pay it doesn’t look like the card in my wallet. Why?
Apple Pay uses a graphical representation, not an exact replica of your card.

How do I change my default card to my card?
The credit or debit card associated with your iTunes® account or the first card you add to Passbook is your default card. To change your default card:
1. Go to Settings > Passbook & Apple Pay
2. Tap Default Card
3. Choose a new card

Are my payments safe with Apple Pay?
Yes. When you use Apple Pay, your card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

When paying in a store, if the merchant terminal asks me to choose Debit or Credit, which should I choose?
If you choose Debit, you will be required to enter your PIN, which some backend systems may not be able to process yet. Choosing Credit will give you the most consistent experience.

What payment information will be on my receipt?
Receipts should look the same as they always have. However, in some cases, receipts created from digital account usage may display the last four digits of your digital account which may differ from the last four digits of your physical card. You can view the last four digits of your digital account by looking at the back of your card in the passbook.

Can I use Apple Pay internationally?
Yes. Apple Pay will work on contactless terminals for international payments.

What if my phone gets lost or stolen?
Apple’s Find My iPhone website lets you suspend its ability to make payments. Or you can contact your Elements, who can suspend Apple Pay for your credit union card. In any case, without your thumbprint or card information, a thief should not be able to use your phone to make purchases.

Will I continue to earn rewards points for credit card transactions?
You will earn points on eligible transactions as you do today.

What if I need to return an item?
Any returns should be processed as they are done today. However, individual merchant return policies may vary.

What payment information will be on my receipt?
Receipts should look the same as they always have. However, in some cases, receipts created from digital account usage may display the last four digits of your digital account which may differ from the last four digits of your physical card.

For more questions and technical support regarding your Apple product, visit Apple.com.


Troubleshooting

If you don't quite get to the last verification step, don't worry. You may just need to give us a call at (800) 621-2105.

We want to ensure that your card is being loaded on your device so we'll verify that you are you, then we'll activate your card with Apple Pay in just a couple minutes. Usually you will see one of the screens below if it can't fully register your card on the first try.

 


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