Support Topics
Apple Pay
Popular Questions
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Please call us immediately at 1.800.452.0900, opt. 1, during regular business hours, (Monday – Friday 7:25 AM – 6:05 PM or Saturday 7:30 AM – 4:00 PM) (you may also use our automated system to block your card by pressing opt. 5). We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from your Wallet or the Apple Watch app using the “Remove Card” option. When you receive your replacement card, you will need to add the new card to Apple Pay before making any Apple Pay purchases.
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You can add your card in a few easy steps. The process for adding a card is a little different between your iPhone, iPad, Apple Watch and MacBook Pro with Touch ID.
iPhone*:
- Open Wallet and tap the plus sign.
- Position your card in the camera frame to automatically enter your card information. You can edit the information before saving should it capture incorrectly. Enter the security code, which can be found on the back of your card.
iPad*:
- Go into Settings and tap Wallet & Apple Pay.
- Tap Add Credit or Debit Card.
- Position your card in the camera frame to automatically enter your card information. You can edit the information before saving should it capture incorrectly. Enter the security code, which can be found on the back of your card.
Apple Watch*:
- Open the Apple Watch app on your iPhone 5 or 6 (must be running iOS 8.2 or higher) and tap select Wallet & Apple Pay.
- Tap Add Credit or Debit Card.
- Position your card in the camera on your iPhone to automatically enter your card information. Enter the security code, which can be found on the back of your card.
MacBook Pro with Touch ID*:
- Go to System Preferences > Wallet & Apple Pay
- Click +Add.
- Follow the steps to add a new card. (If you’re asked to add the card that you use with iTunes, just enter its security code.)
- Click Next.
If requested, follow additional steps to verify your card. After you confirm your Unitus card has been added to your eligible device, you’re ready to use it in Apple Pay.
*For a list of compatible Apple Pay devices and setup instructions go to www.apple.com/apple-pay.
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Rest assured, your Unitus debit card and credit card automatically come with the built-in security of our 24×7 fraud monitoring and Visa’s Zero Liability protection. If your card, or its number, is ever lost or stolen, you’re not responsible for unauthorized transactions when you report them promptly.
To dispute a Unitus transaction you see posted to your account please call 800-452-0900, opt. 1, during regular business hours, (Monday – Friday 7:25 AM – 6:05 PM or Saturday 7:30 AM – 4:00 PM)
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The safety and security of your account information is of the highest importance.
As a security measure, you may receive a “verification required” message when adding your card to Apple Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.
Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our members. When you make payments with Apple Pay and your Unitus card:
- Your full card number is not shown to the merchant or to Apple Pay.
- All transactions are monitored by Unitus’ 24×7 risk and fraud detection systems.
- Purchases made using Apple Pay are protected by Visa’s Zero Liability policies, so you won’t be held responsible for promptly reported unauthorized transactions.
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For security reasons, we may need you to provide additional verification to add your Unitus card to Apple Pay. If necessary, Wallet or the Apple Watch app will provide instructions. Upon verification, you should receive a Wallet or Apple Watch app notification that your card is ready for Apple Pay. If you haven’t received a notification after an hour, please call us at the toll-free number on the back of your card.
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Apple Pay will work with most Unitus consumer and small business Visa® credit cards and debit cards.
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If you make an Apple Pay purchase with your Unitus card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Wallet, but the actual transaction amount is deducted from your account.
This happens frequently in places where:
- You can add a tip (restaurants, salons)
- There can be a significant difference between the amount that’s authorized initially and the actual transaction amount (hotels, car rental agencies)
For most card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, and Apple Watch are trademarks of Apple Inc.
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Apple Pay is available on your Apple Pay enabled iPhone, iPad, and Apple Watch1 in participating merchant apps, and you can use Apple Pay with your iPhone and Apple Watch1 at more than a million stores and restaurants whose payment terminals are set up to accept contactless payments. You can also make purchases from participating online merchants via the Safari browser.
View the list of merchants at the Apple Pay site.
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To return something you bought in-store with Apple Pay you will need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, you can credit the card you used to pay within the Apple Pay app by selecting the same card and holding your device to the contactless payment terminal.
Depending on the return and refund policies of the store, it may take several days for the return transaction to appear on your Unitus Visa card statement. We recommend keeping your receipt until the return posts to your account.
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Apple Pay is a digital payments solution that not only supports using your Unitus cards for mobile “tap and go” payments using NFC enabled iPhones and iPads but also facilitates secure digital payments through in app purchases on participating websites using Safari on your Mac computers.
Apple Pay is accepted in grocery stores, boutiques, restaurants, hotels, and so many places you already enjoy.
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No. Apple Pay is provided as a complementary service to Unitus cardholders.
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In addition to notifying your mobile carrier, please call Unitus promptly at 1.800.452.0900, opt. 1, Monday through Friday 7:30 AM – 5:30 PM. After hours please call 1.888.241.7054 opt. 3. Mention that you added your Unitus card to Apple Pay so that we can disable your card for use with Apple Pay. If you locate your device, you will need to add your card back to Apple Pay before making any Apple Pay purchases. Disabling your device will generally have no impact to your Unitus card unless both were lost or compromised.
If you lost your Apple Watch it is also recommended that you visit iCloud to remove your card from your Apple Watch.
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You can use Apple Pay on eligible iPhones, iPads, Apple Watches, MacBook Pro with Touch ID and Macs (Safari browser only) using the latest operating systems. Please visit Apple Pay at for the most current listing of compatible devices and operating system requirements.
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Setting your Unitus card as your default card is simple! Go to Settings, Wallet & Apple Pay and tap Default Card selection. Choose your Unitus card as your default. Note: the first card you add to Apple Pay will automatically be your default card, but you can update it at any time.
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To learn more about Apple Pay, please visit the Apple Pay site.
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Yes. For each Apple Pay enabled device (iPhone, iPad, Apple Watch and MacBook Pro with Touch ID) you can load up to eight cards. Devices do not share cards, so if you want the same card on two different devices, you will need to load the card on each device separately.
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