Frequently asked questions

1. What is Apple Pay?
Apple Pay is a mobile payment and digital wallet service designed by Apple Inc. that allows users to make payments using cards that have been stored on certain Apple devices (e.g., iPhone, iPad, Mac).
2. Which Red River Bank check cards can I set up on Apple Pay?
Red River Bank's personal debit and credit cards are currently set up for Apple Pay.
3. Is Apple Pay a secure payment method?

When uploading a debit/credit card to Apple Pay, instead of storing the actual card number, a unique Device Account Number is assigned, encrypted, and then securely stored on the device. When making a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process the payment. Therefore, Apple never shares your card numbers with merchants or transmits them with the payment.

In addition, there is another security feature on the iPhone and iPad. Every payment requires Touch ID, Face ID, or a passcode. When using the Apple Watch, it must be unlocked — so only the person with the correct thumbprint or passcode can make payments from the device

4. Where can I use Apple Pay?
You can use Apple Pay at stores with terminals that are set up for Apple Pay and display the following logos:
Apple Pay logoApple Pay Contactless logo
You can also use Apple Pay as a payment method in certain apps that display the following logos:
Apple Pay Buy With logo
5. What devices use Apple Pay?

Apple Pay is compatible with the following devices.

For Use Apple Device
For use in-store and Apps iPhone 6 and later
For use in-store only Apple Watch
For use in Apps only
  • iPadPro
  • iPad Air 2 and later
  • iPad Mini 3 and later
  • Macs
6. Where can I learn more about Apple Pay?
The Apple website has guided tours of how to use Apple Pay on the iPhone, iPad, and Apple Watch. There is also a current list of merchants and apps that accept Apple Pay and a list of banks whose cards are participating in Apple Pay.
7. How do I add my card to my Apple device?
  1. On your iPhone, open Wallet. On your iPad, go to Settings -> Wallet & Apple Pay.
  2. Tap “Add Credit or Debit Card.”
  3. Use the camera to capture the information on your card. Fill in any additional information needed or information that the camera did not capture. Alternatively, if you have a supported card already on file with iTunes, enter the card's security code.
  4. Tap “Next”.
  5. If additional authentication is needed, the bank may ask you to provide additional verification. Just follow the directions shown on your device.
  6. After the card is verified, tap “next”. Then you can start using Apple Pay.
8. Can I have multiple cards in Apple Pay?
Yes. However, one of your debit/credit cards will be set as the default payment method, so be sure to assign the correct card as the default.
9. Can I change my default card?
Yes, when you see your default card, tap it. From the list of cards that appear, tap the one you would like to use.
10. Efficiency tips from Apple...
You can quickly access your cards through Apple Pay by following these tips.
  1. While the iPhone is locked, double-click the home button
  2. Your default card will appear. Switch cards by tapping the card you want to use.
  3. Your device will verify your identity through Login Credentials, Face ID, or Touch ID. Once verified, you will see Hold near reader to pay.
  4. Hold the top of your iPhone near the reader to send your payment information.

If you need to choose between debit and credit on the terminal, Apple recommends that you choose credit to get the most consistent Apple Pay experience. Choosing debit might not always work with some older merchant payment terminals.

If you have turned Automatic Selection on for a certain store credit card, that store's card will be used whenever you are in that store instead of your default card.