FAQ: 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).

Red River Bank's personal debit and credit cards are currently set up for Apple Pay.

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

You can use Apple Pay at stores with terminals that are set up for Apple Pay and display the following logos:

You can also use Apple Pay as a payment method in certain apps that display the following logos:

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	iPad Pro iPad Air 2 and later iPad Mini 3 and later Macs

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.

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.

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.

Yes, when you see your default card, tap it. From the list of cards that appear, tap the one you would like to use.

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.

Google Pay is a mobile payment service that can be used to make payments.

Turn on your phone screen, and then unlock your phone. You do not need to open the Google Pay app. Tap your phone in the same way as you would tap your physical card at the terminal. Please make sure that NFC is turned on in phone settings. In case you have multiple cards added to your account and wish to change your default card settings you can do so through Google settings on your device (Not Google pay settings) Pay at any store that has a tap & pay enabled terminal.

1. Download Google Pay on phones running Android 5.0 (Lollipop) or higher.
2. Enter your phone number.
3. Sign in with your Google account.
4. Follow the instructions to secure your Google Pay app and add a card or bank account.

Google Pay protects your card payment information with multiple layers of security, utilizing one of the world's most advanced security techniques. We use a process called Tokenization to replace sensitive card information with an alias, known as a token. This ensures that your sensitive card information, such as the 16-digit card number and CVV, is never shared with anyone, including other apps and sites.

All devices with Android 5.0 (Lollipop) or higher.

1. On your mobile device, open Google Pay.
2. Tap 'Profile', 'Payment Methods', and then 'Add card'.
3. Enter the card number, expiry date, CVV, and the cardholder's name and billing address.
4. Tap Save
5. Accept the issuer's Terms & Conditions
6. We will contact your bank to verify your card
7. Choose how you will verify
8. You will be asked for additional authentication via OTP
9. OTP will be auto-read, or you can enter it manually
10. After your card is verified, you're ready to use it for transactions.

Important:

You should receive this OTP via text message to the phone number/ email associated with your Card. If you don't receive a one-time password, verify that your contact information is up to date.

Currently, Google Pay will not work at ATMs.

If your physical Credit or Debit Card is enabled for international payments, you should be able to use Google Pay to make your payment in countries where Google Pay is accepted.

There is no problem if the card displayed in Google Pay differs slightly from the physical card. The key points to look for are:

• The card issuer (Red River Bank)
• The card network (Mastercard)
• The last four digits of the physical card

You can register up to 10 payment cards on Google Pay, which can be either debit or credit cards.

If you have multiple cards added to your account and want to change your default card settings, you can do so through Google settings on your device. (Not Google Pay settings)