Apple Pay FAQ

Apple Pay® Frequently Asked Questions


What is Apple Pay?

Apple Pay is a service that allows credit and debit cardholders to use their newer Apple® device to pay for their purchases.


What do I need to use Apple Pay?

iPhone® 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, or Apple Watch.® Users can also make in-app purchases with the iPad Pro,™ iPad Air® 2, iPad mini™ 4 and iPad mini 3.


How do I set it up?

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 credit or debit cards.

If your OCCU credit or debit card is already on-file with Apple (iTunes®), you will be offered an option to use it as your default account for Apple Pay. You have the option to add other cards and will be prompted for a one-time entry of a few account details such as name, address, card number, expiration date, and the three digit card verification number that can be found on the back of your card. OCCU, Visa® and Apple then work behind the scenes to enable you to start making payments with Apple Pay. 


Where will I be able to use Apple Pay?

More and more retailers are offering the ability to pay using Apple Pay, and Apple is distributing logos to retailers that accept Apple Pay. Visit Apple for a list and look for Apple Pay logo at the store. 


Is Apple Pay more secure?

When you enroll your card(s) in Apple Pay, your payment information, such as the 16-digit account number on the front of your card, is replaced with a digital account number that is securely stored on your device and used to make purchases. When you pay with Apple Pay, only the digital account number is passed; your payment details are not shared with the merchant. In addition, if your device is ever lost or stolen, you will not need to cancel your card, only the digital account number, which can be quickly reissued. 


Can I remove my digital account number stored on my device(s)? 

Yes, you are able to easily delete the account from your device. If you delete your digital account you will still be able to continue to make purchases with your physical payment card. 


Are my purchases protected under Visa Zero Liability?® 

Yes. Whether you use a digital account number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions.


What if my card is lost or stolen? 

Please contact us as soon as possible. Once you receive your replacement card you can add your new card to your mobile wallet. 


What if my Apple device is lost or stolen? 

If your Apple device is lost or stolen, use "Find My Apple Device" to quickly suspend or remove your digital account numbers for the respective device. You may also contact us and we can perform the same action on your card(s). Once you receive your new device, simply add your cards to your wallet. In the meantime, you can continue to use your physical card without interruption. 


If I sell or give my device to someone else, what will happen to the digital account information in the device? 

When selling or giving away your iPhone 6 or other newer Apple product you should make sure you delete all digital accounts in Apple Pay. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts. If you forget to do this, contact us and we can perform this action for you on your behalf. 


If I lose my device and if someone starts using it to make purchases, am I liable for those purchases? 

Whether you use a digital account number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions.  


Do I have to pay to use it?

No, Oregon Community Credit Union does not charge members for using Apple Pay. 


Where can I learn more?

Apple has a very informative site where you'll find out more about how Apple Pay works, videos on how to enroll your cards and more. 


Learn more about Apple Pay



The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details. 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.