Apple Pay FAQs

 

About Apple Pay

Apple Pay allows customers to use compatible Apple devices such as an iPhone or Apple Watch to make purchases in stores, within apps and websites securely using eligible Macquarie credit and debit cards. If using an iPad or Mac, Apple Pay can be used to make purchases in selected apps and participating websites.

To use Apple Pay for purchases you must first add your eligible card on your compatible Apple device (see compatible devices on the Apple Pay support page).

Once your card has been added to Apple Pay, you can use your device in stores to make payments by holding your device (e.g. iPhone) up to the contactless payment terminal. Apple Pay can be used within participating apps and websites by selecting ‘Buy with Apple Pay’.

Apple Pay is accepted at merchants who have contactless Near Frequency Communication (NFC) terminals. You do not require an internet connection to use Apple Pay in stores as your device uses NFC to communicate with the terminal.

Wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.

You can also use Apple Pay to make purchases within participating apps and websites with a supported device. Look for the “Buy with Apple Pay” button within the shopping experience.

Note: There are a small number of terminals where you’re not able to use Apple Pay to make a payment. Currently this includes certain vending machines, parking meters/machines and taxis.

Apple Pay is available for eligible Macquarie credit and debit cards, including but not limited to:

  • Macquarie Platinum Debit MasterCard
  • Macquarie Classic Debit MasterCard
  • Macquarie Black Card
  • Macquarie Platinum Card
  • Hilton HHonors™
  • Macquarie RateSaver Card.

For your security, when you add your Macquarie credit and/or debit card to Apple Pay, a Device Account Number – separate and unique to your device – is created. This means that your card details stay secure and are not stored on the device.

This number links back to your card number and enables you to make payments using your device.

No. Adding your card to Apple Pay does not affect your physical card. You can still use your physical card as you normally would.

For iPhone:
Open Wallet > tap your card > and then tap the  icon to see the Device Account Number.

For Apple Watch:
Open the Watch app on your iPhone > tap Wallet & Apple Pay > tap your card to see the Device Account Number.

For iPad:
Navigate to Settings > Wallet & Apple Pay

For MacBook:
Navigate to System preferences > Wallet & Apple Pay

Your device account number will be listed on all receipts for purchases you made using Apple Pay. Merchants may request to see the device account number.

Note: The number of digits shown may vary depending on your card type. It can be four or five digits.

If only four digits are shown for any particular card, that should be sufficient for a merchant's / retailer's needs.

To enable the use of your Macquarie Card with Apple Pay, Macquarie will share certain information (including personal information) with Apple. Apple may use this information to display your transaction history in Apple Pay, detect and address fraud, or otherwise use the information in accordance with Apple’s Privacy Policy. Visit http://www.apple.com/privacy for more detail about how Apple collects, uses and shares your data.

Macquarie will also collect information from Apple to verify you, ensure your card functions with Apple Pay, to manage fraud, or for Macquarie to provide better assistance to you. The Macquarie Group Privacy Policy describes how we collect, use and share your information (including personal information).

If you do not want your information to be collected, disclosed or used as described, your Macquarie Card should not be registered for use in Apple Pay.

Yes, Apple Pay is secure - it’s built with integrated security in both hardware and software, making it a safe way to make transactions with your credit and debit cards. Your card number is not seen by merchants when making transactions using Apple Pay.

Read more on this on the Apple Pay support page.

To use Apple Pay, you must have a passcode set on your device and, optionally, Touch ID. This passcode or your fingerprint must be used to authorise every Apple Pay transaction.

For added protection against fraud, when passcode is turned off for Apple Pay, it will remove any cards stored within the Apple Wallet. This is for security reasons and is added protection against unauthorised use.

On the Apple Watch, Wrist Detect must also be enabled.

Yes. The Macquarie credit and debit cards in the Apple Wallet are covered by the product terms and conditions.

If you suspect unauthorised use of your credit or debit via Apple Pay, please contact Macquarie immediately by calling the number on the back of your card.

No. There are no additional fees for using Apple Pay. The usual credit or debit card transaction charges apply to purchases (refer to the product terms and conditions for more information)

Getting Started

  1. Download the latest version of the Macquarie Mobile Banking app from the app store.
  2. Ensure you have the latest version of iOS, watchOS, or macOS.
  3. Ensure your card is eligible (see About Apple Pay above).
  4. Ensure your device is eligible for Apple Pay.
  5. Ensure you have an Apple ID.

iPhone/iPad

  1. Open the Wallet app (for iPad this is in Settings > Wallet & Apple Pay).
  2. Click Add credit or debit card or + symbol.
  3. Click Next.
  4. Use the iPhone camera to capture your card details (you can also add the details manually) and confirm the name and card number details are correct.
  5. Click Next > Confirm the expiry date and enter the CVV.
  6. Click Next > read the Macquarie with Apple Pay terms of use.
  7. Click agree if you accept these.
  8. On the card verification screen – use the Macquarie Mobile Banking app to verify adding your card (it will be defaulted to verify using the Macquarie Mobile Banking app).
  9. Click Next > Click Open Macquarie Bank app.
  10. Log in to the Macquarie Bank app.
  11. Click the card you wish to add to Apple Pay.
    Note: There could be multiple cards awaiting activation if you have commenced the process previously and not finalised.
  12. Confirmation message displays – ‘Great, you are all set’.
  13. Click Done > you’ll be taken back to Wallet where your card will be ready for use with Apple Pay.

Apple Watch

  1. Open the Watch app on your iPhone, > tap My Watch tab. If you have multiple watches, choose one.
  2. Tap Wallet & Apple Pay.
  3. Follow the steps to add a card.
  4. Tap Next.
  5. Macquarie will verify your card information.
  6. Complete the verification process using the Macquarie Mobile Banking app.
  7. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

MacBook

  1. Go to System Preferences > Wallet & Apple Pay.
  2. Tap Add Card.
  3. Follow the steps to add a new card.
    Note: If you're asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Macquarie will verify your information and decide if you can add your card to Apple Pay. If we need more information to verify your card, you’ll be asked for it. When you have the information, go back to System Preferences > Wallet & Apple Pay and tap your card.
  5. After Macquarie verifies your card, tap Next. Then start using Apple Pay.

Click here for more information on adding cards to your eligible Apple devices.

If you don’t have the Macquarie Mobile Banking app downloaded, you’ll be redirected to the App Store to download this. Alternatively you can download the Macquarie Mobile Banking app prior to starting the process.

Once the download and install process has been completed:

  1. Log into the Macquarie Mobile Banking app with your Mac and Password.
  2. Set up your passcode/fingerprint verification. You’ll need to log in with your Macquarie ID and password.
  3. Return to the Apple Wallet and complete the card verification process by clicking on ‘Open Macquarie Mobile Banking’.

Yes. There can be up to eight cards stored within the Apple Wallet on each device. The first card added will become your default card, but this can be changed in Settings > Wallet and Apple Pay > Default Card.

Yes. For each of your devices, you’ll need to add your card using the steps listed in 'What's the process for adding my card to Apple Pay?'

Note: You can add your card to up to 10 eligible Apple devices, but the card will need to be added to each device separately. This means that you can have up to 10 Device Account Numbers for one physical card.

Yes.

Here’s how to remove your card from the Apple Wallet:

    1. Navigate to the back of the card, commonly referred to as the back of pass (by clicking the ‘info’ symbol on the bottom right of screen when your card is presented).
    2. Scroll to the bottom of the page and click on ‘Remove card’
    3. OR

  1. Launch the Settings app on the device that you’re removing your card from.
  2. Tap on Wallet & Apple Pay.
  3. Tap on the card you'd like to remove from Apple Pay.
  4. Tap on Remove card.

Using iCloud:

  1. Go to Settings on iCloud.com, then click a device listed below My Devices.
  2. Below the list of credit and debit cards on the right, click ‘Remove’ or ‘Remove All’.

You can use iCloud to remove cards from devices, even if the device is offline. If you remove credit and debit cards from a device set up to use Apple Pay, the ability to spend using those cards is removed.

If no cards are listed, the device isn’t set up to use Apple Pay.

Using Apple Pay

iPhone

There are four ways to pay with your iPhone:

  1. Hold iPhone (in sleep mode) close to the terminal and use Touch ID or enter passcode to authenticate (you can also select an alternative card ) or
  2. Double click the home button, use Touch ID to authenticate, present the iPhone to the terminal.
    Note: this will only work with iOS 9 or later
  3. Open the Wallet app, select card, authenticate (“pre-arm”), present the iPhone to the terminal.
  4. Open Wallet, select card, present to terminal, authenticate.

Apple Watch

There are two ways to pay with Apple Watch:

  1. Double-click side button, select the card you want to use, hold near the terminal (default card will be presented).
  2. Open Wallet, select card, double-click side button.

For more information see the Apple Pay support page.

With iPhone or iPad

  1. Select the “Buy with Apple Pay” button.
  2. Review payment information and contact details. Apple Pay will store your contact details for next time.
  3. If you want to pay with a different card, tap > next to your card.
  4. Authenticate with Touch ID on the iPhone or iPad. On your Apple Watch, double-click the side button, you’ll then see a ‘Done’ icon on the screen.

For more info see the Apple Pay support page.

With your iPhone or iPad using Safari:

  1. Select the “Buy with Apple Pay” button.
  2. Review payment information and contact details. Apple Pay will store your contact information for next time.
  3. If you want to pay with a different card, tap > next to your card.
  4. Authenticate with Touch ID on the iPhone or iPad, you’ll then see a ‘Done’ icon on the screen.

With your MacBook Pro with Touch ID:

  1. Tap the Apple Pay or Buy with Apple Pay button
  2. Confirm your billing, shipping, and contact information is correct. To pay with a different card instead of your default card, click  next to your default card and select the card you want to use.
  3. If required, enter your billing, shipping, and contact information. Apple Pay will store that information for next time.
  4. When you’re ready to make your purchase, follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen. When your payment is successful, you'll see a ‘Done’ icon on the screen.

For other MacBooks:

  1. Make sure that you're signed in to the same iCloud account on your devices e.g. iPhone, iPad, Mac, or Apple Watch.
  2. Make sure your Bluetooth is switched on.
  3. Tap the Buy with Apple Pay or Apple Pay button.
  4. Confirm your billing, shipping, and contact information is correct. To pay with a different card instead of your default card, click  next to your default card and select the card you want to use. You can choose credit and debit cards from any iPhone or Apple Watch that’s nearby and signed into the same iCloud account.
  5. If required, enter your billing, shipping, and contact information. Apple Pay will store that information for next time.
  6. When you're ready, make your purchase. On your iPhone, place your finger on Touch ID or double-click the side button on your Apple Watch. When your payment is successful, you'll see a ‘Done’ icon on the screen.

To switch cards on your iPhone, hold your device near the terminal without resting your finger on Touch ID. When your default card appears, tap it, then select the one that you want to use. Rest your finger on Touch ID to pay.

On your Apple Watch, double-click the side button. When your default card appears, swipe left or right to switch cards.

Not all merchants have adopted contactless terminals. Please continue to carry your physical cards to use where contactless payments are not accepted.

Most merchants will display the contactless payment symbol  to let you know they accept contactless payments.

Yes. Apple Pay shows recent Macquarie credit and debit card purchases you've made using Apple Pay on your device, but it won't display purchases made on your physical card.

When you view your card in Wallet, you’ll see the most recent transaction you performed with that card. You can view up to the last 10 transactions made on a specific card by tapping the  button > tap the Transactions tab.

For a full list of transactions made from your credit or debit card, use the Macquarie Mobile Banking app or log in online. Your statement won’t differentiate between Apple, card contactless or chip and PIN transactions.

See the Apple Pay support page for more information on using Apple Pay.

You can return items purchased using your card in Apple Pay by providing the merchant with the last four digits of your Device Account Number instead of your plastic card number.

To access your Device Account Number:

  • For iPhone, open Wallet, tap your card, then tap  icon.
  • For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap your card to see the Device Account Number.

In the Wallet select the card you used to make the purchase and hold your device near the contactless terminal at the merchant once the return has been keyed in by the shopkeeper.

Please remember to keep the original receipt you received from the merchant at the time of purchase. The transaction record in your Apple Pay receipt is not an official proof of purchase. Some retailers may require the physical card in order to process the refund.

Yes, you receive all of the same rewards, security and benefits of your eligible Macquarie card when you use it with Apple Pay.

Yes. You’ll still need to show your loyalty cards to receive loyalty benefits in stores.

Apple is working with its partners to ensure rewards cards are eligible for Apple Pay. A complete list of partners, and recent information regarding rewards is available on the Apple Pay support page.

Yes, your spending limits are the same for Apple Pay as the contactless payment limits on your physical cards.

Refer to the terms and conditions for your debit or credit card for complete information.

You’ll need to enter your PIN at point of sale for all transactions over $100.

Managing your card

You can view and manage your cards in the Apple Wallet, or via settings > Wallet & Apple Pay.

When you tap on the ‘info’ symbol  on bottom right of screen when your card is selected (this takes you to the back of the pass), scroll down to view your card details.

The first card you add to Apple Pay automatically becomes your default payment card.

To change your default card:

  1. Go to Settings > Wallet & Apple Pay on your iPhone or iPad.
  2. Tap Default card, then choose a new card.
  3. You’ll see a confirmation message “XXXX card is now your default card”.

OR

  1. In the Apple Wallet, when all cards are presented.
  2. Hold your finger on the card you wish to make the default and move it to front of the Apple Wallet by holding down.
  3. You’ll see a confirmation message “XXXX card is now your default card.

For Apple Watch:

Open the Watch app on your iPhone. Go to the My Watch tab, tap Wallet & Apple Pay > Default card, then choose a new card.

You’ll receive transaction notifications for purchases you make using your Macquarie card in Apple Pay from the Wallet. You can manage these Wallet notifications in your iPhone at Settings > Notifications > Wallet.

Please note that you’ll get notifications for both declined and successful transactions.

No. Your Device Account Number is connected to your new card number automatically. You can use your updated card in Apple Pay to make purchases before receiving your new plastic card.

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call Macquarie immediately on the number on the back of your plastic card and we will deactivate your card for use with Apple Pay. You’ll still be able to use your physical card.

You should also use Find my iPhone to help you find and lock/erase your device. See more on the Apple Pay support page.

If your phone is in airplane mode when we deactivate your card, the change won’t be reflected in your Apple Wallet until the phone is taken out of airplane mode.

Yes. You can re-add your card to your device, by following the steps listed in ‘Getting Started’.

After you tell us your card is lost or stolen, we’ll de-activate it in Apple Pay.

Your lost or stolen card will be removed from Apple Pay. Once you receive your new card, activate it as per normal and then re-add it via the Apple Wallet. See ‘Getting started’.

The Apple Wallet will display a message “This card has been removed by Macquarie Bank Limited” and a 'Remove card' button is shown, tap 'Remove card'. We recommend you remove the card from the Wallet. Other cards in the Wallet won’t be affected.

If you replace your device, you’ll need to add your Macquarie card in Apple Pay on the new device. We also recommend you delete your cards from your old device if you’ll no longer be using it.

Navigate to the back of pass and tap ‘Remove card’. For other devices you can complete this by navigating to Wallet and Apple Pay in settings.

No. The card added to your Watch is treated independently to the card on your phone.

Yes. The cards on your Apple Watch will be removed if your Watch is unpaired from your iPhone.

There are three possible reasons for this:

  • Your credit/debit card hasn’t been activated. Log in to Macquarie online and check the status of your card.
  • Your debit or credit card account is closed. You’ll need to apply for a new account/card.
  • Your debit or credit card account is blocked. Contact Macquarie to have the block removed.

Removing your card from Apple Pay on your device has no effect on your physical card. You can re-add your eligible credit and debit card to Apple Pay at any time.

Resetting your device or deleting your cards from Apple Pay will remove all cards from the Apple Wallet.

Replacement cards in Apple Pay

Your new card details will be transferred to Apple Pay, you won’t need to re-add your card, and Apple Pay will continue to work.

If you previously did not have your old card in Apple Pay, you’ll need to add your new card. See section 2 ‘Getting started’.

Your old card will no longer work in Apple Pay, and you’ll see the below.

Remove your old card, by tapping ‘Remove card’.

When your new card arrives, activate, and add to Apple Pay. See section 2 ‘Getting started’.

Your new card details, once activated will be transferred to Apple Pay, you’ll not need to add your new card, and Apple Pay will continue to work.

If you previously did not have your old card in Apple Pay, you’ll need to add your new card. See section 2 ‘Getting started’.

Your old card will continue to work in Apple Pay until you activate your new card.

Once the new card is activated, add this to Apple Pay. See section 2 ‘Getting started’.

Troubleshooting

Ensure that your device has no other cards in close range that could interfere with the signal, such as a transit card.

This could be a problem with the terminal – you can report terminal problems to Apple using this form.

Check that you have followed the steps correctly in section 2 ‘Getting started’.

If you are still experiencing difficulty visit Apple Pay support for tips or contact Macquarie customer support on 133 174 for debit cards, and 1300 150 300 for credit cards.

Yes.

Adding a card will require an internet connection (if no sim installed then a Wi-Fi connection will be needed). In order to receive notifications you’ll also need an internet connection, however transactions can be made without a sim card.

An internet connection is not required for using Apple Pay in stores.

An internet connection is required for using Apple Pay within apps and websites.

If the merchant terminal says your payment was declined, the payment wasn’t successful.

You’ll see a payment confirmation on your iPhone regardless of whether the transaction is successful or declined. You should wait for the response on the merchant terminal to confirm the payment has been accepted.

If you have Macquarie Bank app notifications enabled, please also use this to determine if payment was successful.