How secure is an Apple Pay transaction?
When making purchases, the Apple Pay app verifies your fingerprint through your ‘Touch ID’. After you have added a card to Apple Pay, your card number will be converted into a Device Account Number (token) which is stored securely and use for Apple Pay transactions only. Your physical card number is not stored in the app (you can only view the last 4 digit of your card number). This adds additional security to protecting your card details.
What is tokenization?
Tokenization is a method of replacing your sensitive payment card information (card number, expiration date, security code, etc. (if applicable)) with a device-specific ‘token’ which acts as a surrogate value. For Apple Pay, tokens are used to protect your payment information and to reduce the security risks inherent to plastic card. Your card information is never stored in your phone.
Can anyone other than myself pay for goods and services using my device?
Anyone with your device ‘Passcode’ or fingerprint registered to your device will be able to authorise transactions using your card with Apple Pay.
You must keep your device safe and secure, and your device ‘Passcode’ secret. Do not let anyone else to have their fingerprint registered to your device while your card is registered with it.
My device has been lost or stolen and I want to delete or suspend my Card. What should I do?
If your iPhone, Apple Watch or iPad is lost or stolen, you can go to icloud.com or use the “Find My iPhone” app to suspend or permanently remove your card record from that device. Your card will be suspended or removed from the device even if it is offline and not connect to a mobile or Wi-Fi network.
You may also call Apple support hotline at (852)2112-0099 and they will be able to remove your card(s) from your device.
Alternatively, you can call us at the below hotlines to suspend or remove your card from Apple Pay:
Credit card – (852)2886-4111
ATM card – (852)2886-8888
What if I lose my card?
If you lose your credit card, please contact us immediately at (852)2886-6016.
If you lose your ATM card, please contact us immediately at (852)2886-8888.
Once your physical card has been deactivated, you will not be able to continue to use Apple Pay with this card. When we issue you a new card, you will need to register it with Apple Pay again.
What if my card is up for renewal?
If you have previously registered your credit card on Apple Pay, when your credit card is due to renewal, your replacement credit card will automatically be registered back to Apple Pay when you activate your renewal credit card.
If you have previously registered your ATM card on Apple Pay, when your ATM card is due to renewal, we will send you a renewal ATM card. Upon receiving the renewal ATM card, you are required to enrol your renewal ATM card.
If I receive a replacement card, do I need to update my card information with Apple Pay on my existing device?
If you lose your physical card and then receive a replacement card, you will need to remove the original card record from Apple Pay and register your new card again.
What happens when I reset, format or update my device?
When performing a factory data reset/ format or update, all payment information in Apple Pay will be deleted. You will need to set up and add your credit/ATM card information into Apple Pay again after your device has been reset.
If I send in my phone for repair, do I have to reset Apple Pay?
Please make sure to delete your card details from Apple Pay before sending your device for repair. All payment information in Apple Pay will be deleted after the repair and you will need to set up Apple Pay and add your payment card information again.
What happens if my device does not recognize my fingerprint or my face?
Please contact Apple Support hotline at (852)2112-0099.
What is NFC?
Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Apple Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use.
Which wallet provider uses NFC?
Apple Pay uses NFC to wirelessly transmit payment data to payment terminals after authentication with NFC readers that have been activated for use.