Learn More about Apple Pay™
- What is Apple Pay?
- How do I get Apple Pay on my device?
- How does Apple Pay work?
- How do I pay using Apple Pay?
- What is a virtual card?
- What is a Device Account Number?
- Does Centennial Bank protect my virtual cards?
- Will merchants receive my physical card number?
- Which credit and debit cards are eligible for Apple Pay?
- What type of device do I need to use Apple Pay?
- Will all merchants accept Apple Pay?
- Will the card image in Apple Pay match my physical card?
- Does Passbook show my Centennial Bank debit or credit card transactions?
- What if my phone is lost or stolen?
- If I erase my iPhone, does that cancel my physical cards or can I continue to use them?
- Does it cost anything to use Apple Pay?
- Can I use Apple Pay outside of the United States?
Apple Pay is a payments feature integrated into the Passbook® app that lets you add your credit and/or debit cards to Apple Pay to make purchases at participating retailers using Near Field Communication (NFC) technology.
Apple Pay is integrated into the Passbook app, which comes pre-installed on the iPhone 6® and iPhone 6 Plus®. You will be given an opportunity to configure Apple Pay upon setup of your new device or installation of the iOS update when it becomes available. If you already have established an iTunes® account, the credit card that is on file will be made available to you immediately upon Apple Pay setup. You will have the ability to add additional eligible Centennial Bank debit cards using the camera to instantly capture your card details, or you can enter them manually.
To add a card on iPhone® 6, iPad® Air 2 or iPad mini 3®, go into Settings, open Passbook® & Apple Pay, and select “Add Credit or Debit Card.” On iPhone, you can open Passbook, then swipe down and tap the plus sign. From there, use your iPhone’s camera to enter the card information or type it in manually. If you are adding a flat card, you must enter your information manually, because the camera only reads embossed numbers. If you already have credit and debit cards in your iTunes® account, you can add those to Passbook by simply entering the card security code. The card security code is a 3- or 4-digit code on your card. Keep in mind the first card you store in Passbook is your default payment card, but you can always change that in Settings. For more information on adding your credit or debit cards, please visit Apple Pay. You may be asked to call Centennial Bank as an extra security step in the verification of your virtual card. Simply call the number provided, then look for the notification in Passbook that your card is ready for Apple Pay.
One touch to pay with Touch ID™. Now paying in stores happens in one natural motion — there’s no need to open the app or even wake your display thanks to the Near Field Communication antenna in the iPhone 6 and iPhone 6 Plus. To pay, just hold your iPhone near the contactless reader with your finger on Touch ID. You don’t even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep lets you know.
On the iPhone 6 and iPhone 6 Plus, you can also use Apple Pay to pay with a single touch in-apps. Checking out is as easy as selecting "Apple Pay" and placing your finger on the Touch ID.
Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Apple Pay, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Apple Pay.
Apple refers to the digital form of credit and debit cards as the Device Account Number. Centennial Bank uses the term virtual card number. Review the question “What is a virtual card?” for more info.
Yes. Just like your physical credit and debit cards, your Centennial Bank virtual credit and debit cards are covered from theft. Centennial Bank will credit any fraudulent charges made with your physical or virtual credit or debit card back to your account. If you suspect unauthorized use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.
Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.
Please note: MasterCard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.
Currently, the Centennial Bank consumer and business debit cards are eligible.
At this time, Apple Pay works for in-store purchases on the iPhone 6 and the iPhone 6 Plus. It also works with the new iPad mini 3 and the iPad Air 2, but for in-app purchases only. An in-app purchase is when you buy content, services or items within an app. Once it's released, the Apple Watch® will work with an iPhone 5 or later. Please visit Apple for a current list of supported devices.
No. Not all merchants have adopted this technology. Please continue to carry your physical cards to use where Apple Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments. Centennial Bank can help merchants get set up with the technology to accept Apple Pay.
No. The card image won’t be an exact match. One card design has been developed for each Centennial Bank card type for display within the Passbook, and has no effect on how Apple Pay interprets your card.
Passbook displays the time or date of the last Centennial Bank debit card purchase you made with Apple Pay, but it won’t display all your purchase details. For a complete view of all your Centennial Bank debit transactions, sign in to Online Banking or use our Mobile Banking App or text banking and select the appropriate account.
One way to safeguard your device is to download Apple's Find My iPhone app. In the event of a device being misplaced or stolen, you can use the app to quickly place your device in Lost Mode so your information is not accessible, or you can remotely erase your iPhone. Please note: Find My iPhone must be enabled in iCloud® settings on your device before you can locate it with this app.
If you can't download the Find my iPhone app or can’t disable Apple Pay using your iCloud account from another device, you should cancel your physical debit or credit cards which will delete your virtual cards from Apple Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.
Erasing the information on your iPhone will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your iPhone will delete the virtual cards from Apple Pay and they can no longer be used. You can add your credit and debit cards back into Apple Pay at any time.
There is no cost for Apple Pay from Centennial Bank; however, an active data plan is required. Your credit card’s terms and conditions and your debit card’s Deposit Account Agreement will apply for purchases. Centennial Bank does not charge any fees to add your credit or debit cards to Apple Pay. Based on your wireless plan and mobile carrier's offering, additional message and data charges may apply.
As long as you’re shopping at a participating retailer, Apple Pay will work outside of the U.S. In order to help ensure uninterrupted card use, please call the Centennial Bank Customer Care Center (888-372-9788) and let us know if you plan to make an unusually large purchase or use your debit card outside of the state or country.
Based on your wireless plan and mobile carrier's offering, additional message data charges and foreign transaction fees may apply.
Apple, the Apple logo, iPhone and Passbook are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.