Apple Pay FAQs 


Apple Pay Frequently Asked Questions:


What do I need to use Apple Pay?

Eligible Apple Pay devices:
• Latest version of iOS, watchOS, or MacOS
• Touch ID or passcode on your iOS device
• An Apple ID signed into iCloud

How do I set up Apple Pay on my iPhone or iPad?
Open the Wallet and tap the "plus" icon. If your bank debit card is already stored in iTunes, you will be prompted to add it. If not, use the iSight® camera to take a picture of the card (preferred method) or enter the card information manually. Your card may be verified immediately, or you may be prompted to call our Information Center to complete the verification process.

How do I set up Apple Pay on my Apple Watch?
Open the Watch app on iPhone and tap "Wallet & Apple Pay". If you already added a card to your paired iPhone, you can add it to your Apple Watch by tapping "Add" next to the card, and then enter your card security code. Or you can tap "Add Credit or Debit Card."

How do I set my First Independent Bank debit card as my default to pay?
The first card you add to Wallet is your default card. To change your default card, use the steps below.

On your iPhone:
• Open Wallet.
• Touch and hold your finger on the card that you want to make the default. 
• Drag the card to the front of the cards in the Apple Pay section.

On your iPad:
• Go to Settings > Wallet & Apple Pay.
• Tap Default Card.
• Choose a new card.


Mobile Payment


If given the choice, should I choose "credit" or "debit" on the terminal?
Choose "credit" to get the most consistent Apple Pay experience.

Does Wallet show my recent transactions?

When you view your card in Wallet, you’ll see the most recent transaction. You might also see the last 10 transactions for your cards. Just tap the information icon. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your actual card.

Why is my transaction amount sometimes reported differently in Wallet?
Sometimes the initial authorization amounts to Wallet might be different from the final transaction amount, especially from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to your bank statement for final transaction details.

How do I return an item that I bought using Apple Pay in a store?
The cashier can use the Device Account Number to find the purchase and process the return, just like a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number for your iPhone or iPad, go to Wallet, tap the card, and tap the info icon. For your Apple Watch, open the Watch app on iPhone, tap My Watch > Wallet & Apple Pay. Tap your card to select it and see the Device Account Number. Apple Pay activity is also included on your bank statements.

If the cashier needs your card details to process the return, you can follow the same steps you would use for making a payment.

What should I do if my device is lost or stolen?
Go to or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You may also contact us at (417) 678-3333.

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch; you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your devices.



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