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Apple Pay™ FAQs
What is Apple Pay™?
Apple Pay™ allows you to pay for your purchases with your iPhone® 6 or iPhone® 6 Plus by holding your phone near a contactless reader. You can also use your phone, iPad Air™ and iPad Mini™ 3 to pay within certain apps.
How do I add my physical credit or check card to Apple Pay™?
To add a credit or check card on iPhone®, open the Passbook™ app, then tap the plus sign in the upper right corner. From there, simply enter your card's security code to add your credit or check card from your iTunes® account. To add a different card, use your iSight camera to enter the card information, or type it in manually.
To add a credit or check card on iPad® Air 2 or iPad® mini 3, go to Settings > Passbook & Apple Pay™, tap Add Credit or Debit Card and then follow the same steps for iPhone® above. To set up your check and credit cards on Apple Watch, simply open the Apple Watch app on your iPhone® > select the Passbook & Apple Pay > tap Add a new Credit or Debit Card, and then follow the same steps for iPhone® above.
What is a virtual card?
Virtual cards are the digital form of your eligible physical credit and check 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.
What is a Device Account Number?
Apple refers to the digital form of credit and check cards as the Device Account Number. Congressional Federal uses the term virtual card number.
What type of device do I need to use Apple Pay™?
You can use Apple Pay™ on your iPhone® 6, iPhone® 6 Plus, Apple Watch, iPad® Air 2 and iPad® mini 3.
You can use Apple Pay™ to pay in participating merchant stores with iPhone 6®, iPhone 6® Plus and Apple Watch.
You can use Apple Pay™ to pay in-app on iPhone 6®, iPhone 6® Plus, iPad Air® 2 and iPad® mini 3.
Your device must have iOS 8.1 or later
You must have Touch ID™ or passcode on your device
You must have a iCloud® account
Which Congressional Federal card can I use with Apple Pay™?
You can use all Congressional Federal credit and check cards.
When I add my Congressional Federal card to Apple Pay™ it doesn't look like the card in my wallet. Why?
Apple Pay™ uses a graphical representation, not an exact replica of your Congressional Federal card.
How do I change my default card to my Congressional Federal card?
The credit or check card associated with your iTunes® account or the first card you add to Passbook® is your default card. To change your default card:
Go to Settings > Passbook & Apple Pay.
Tap Default Card.
Choose a new card.
How do I replace my old Congressional Federal card with my new card on Apple Pay™?
You'll delete the old card from Apple Pay™ and add the new card. To delete the old card, go into "Settings," open "Passbook & Apple Pay," select the card you want to delete and tap "Remove Card." To add your new card, simply follow the easy step instructions.
Are my payments safe with Apple Pay™?
Yes. When you use Apple Pay™, your Congressional Federal card number isn't stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your Congressional Federal credit or check card, which includes the Zero Liability Guarantee* that protects you from unauthorized purchases.
How are my privacy and personal information protected?
Since Apple Pay™ doesn't store your credit or check card number on the device, you never reveal your name, card number or security code to merchants.
Am I able to opt out of Apple Pay™ at any time?
Adding your credit or check cards to Apple Pay™ is your choice; you can add and remove cards when needed.
Which merchants are participating?
You can use Apple Pay™ at more than 220,000 locations, including Bloomingdale's®, McDonald's®, Macy's®, Nike®, DuaneReade™ and Staples®. 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.
Is Apple Pay™ free?
Yes. Be aware that message and data rates may apply, depending on your data plan.
Where can I get more information on Apple Pay™?
More information is available at
Learn more about Apple Pay