Apple pay question

impulse462

macrumors 68000
Original poster
Jun 3, 2009
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My bank isn't supported on the list of banks on apples website, but my credit and debit card they have issued me is a VISA card. Will I still be able to use apple pay (since Visa cards are accepted) or would I have to wait for the bank to be enrolled as well?
 

TraceyS/FL

macrumors 601
Jan 11, 2007
4,066
191
North Central Florida
Your card issuing bank needs to support it.

My bank will be supporting their MC/Visa cards first, with AmEx rolling out later. So they don't even have to do it all at once.
 

caesarp

macrumors 6502a
Sep 30, 2012
967
388
My bank isn't supported on the list of banks on apples website, but my credit and debit card they have issued me is a VISA card. Will I still be able to use apple pay (since Visa cards are accepted) or would I have to wait for the bank to be enrolled as well?
Every VISA card will not work. It depends on the financial institution that issued the card, which has to support tokenization. That is, your credit card number is converted to a token in your device. The token is submitted to the merchant and, in turn, to the credit card network and then the issuing bank for approval and back to the merchant (all that happens in seconds while you hold your iPhone 6 up to the NFC card reader at Walgreens). The token is mapped back to your actual account number as part of the process, but only tokens are transmitted back and forth.

So if your issuing bank is not yet part of the tokenization payment process, it likely will not be able to be Apple Pay compatible. The card BRANDs (i.e. VISA) support tokenization, but the banks have to as well.
 

TraceyS/FL

macrumors 601
Jan 11, 2007
4,066
191
North Central Florida
Where did you hear that AmEx is rolling out later?

AmEx is its own bank so all cards that you get directly from them should in theory be supported.
If you read what I wrote - I was referring to *my* bank. Their Amex cards will roll out later - and I read it on the banks website.

https://communities.usaa.com/t5/USAA-News/Power-of-USAA-Coming-to-Apple-Pay/
Can I add my USAA Bank card to Apple Pay?
All USAA MasterCard (debit and credit cards) and Visa accounts can be used with Apple Pay later this fall. USAA American Express will be available at a future date.
 

caesarp

macrumors 6502a
Sep 30, 2012
967
388
Where did you hear that AmEx is rolling out later?

AmEx is its own bank so all cards that you get directly from them should in theory be supported.
AmEx is already on board with Apple Pay.

http://www.forbes.com/sites/greatsp...y-notes-american-express-visa-and-mastercard/

They do have banks issue AmEx branded cards, so depending on the bank those cards may not yet work.

----------

If you read what I wrote - I was referring to *my* bank. Their Amex cards will roll out later - and I read it on the banks website.

https://communities.usaa.com/t5/USAA-News/Power-of-USAA-Coming-to-Apple-Pay/
Many AmEx cards are issued directly by AmEx. Hence the confusion. AmEx is on board already. But if you have a bank issued branded AmEx card, then yes they have to be on board too. But USAA is on board I believe.
 

TraceyS/FL

macrumors 601
Jan 11, 2007
4,066
191
North Central Florida
AmEx is already on board with Apple Pay.

http://www.forbes.com/sites/greatsp...y-notes-american-express-visa-and-mastercard/

They do have banks issue AmEx branded cards, so depending on the bank those cards may not yet work.

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Many AmEx cards are issued directly by AmEx. Hence the confusion. AmEx is on board already. But if you have a bank issued branded AmEx card, then yes they have to be on board too. But USAA is on board I believe.
Your first post is what I was referring too - the USAA issued Amex cards will not work at the USAA rollout, only the Visa and MC branded cards. I quoted the part in the link I posted that said it. I personally don't have an Amex card of any flavor any longer. They did NOT do right by me, and I choose to no longer do business with them. Oddly, one of my Supervisors had a similar occurrence and ceased using them too. It was nice to find someone else that "got it". I don't begrudge anyone that has great experiences with them - and in their defense, they thought they were doing me a favor. I looked at it differently.

The key is, the issuing BANK needs to support Apple Pay before it will work - it doesn't matter which label the card has, Visa, MC, Amex because it needs to be in place by the bank first.
 

bpeeps

macrumors 68040
May 6, 2011
3,116
3,020
I'm guessing you meant "not every VISA card will work" based on the subsequent comments. Correct?
That's exactly what they said, only you moved the word "not" to a different place in your sentence.
 

deeddawg

macrumors G3
Jun 14, 2010
8,958
2,765
US
That's exactly what they said, only you moved the word "not" to a different place in your sentence.
Exactly. The two statements mean very different things, the difference being where the "not" is placed.

Every VISA card will not work.
Not every VISA card will work.​

Lest someone get confused, I thought it would be helpful to the community to clarify.
 

JayLenochiniMac

macrumors G5
Nov 7, 2007
12,819
2,381
New Sanfrakota
That's exactly what they said, only you moved the word "not" to a different place in your sentence.
We know what they meant based on context and it's actually a common grammatical error that many people make. "Every VISA card will not work" technically implies all VISA cards will not work.
 

impulse462

macrumors 68000
Original poster
Jun 3, 2009
1,944
2,550
Every VISA card will not work. It depends on the financial institution that issued the card, which has to support tokenization. That is, your credit card number is converted to a token in your device. The token is submitted to the merchant and, in turn, to the credit card network and then the issuing bank for approval and back to the merchant (all that happens in seconds while you hold your iPhone 6 up to the NFC card reader at Walgreens). The token is mapped back to your actual account number as part of the process, but only tokens are transmitted back and forth.

So if your issuing bank is not yet part of the tokenization payment process, it likely will not be able to be Apple Pay compatible. The card BRANDs (i.e. VISA) support tokenization, but the banks have to as well.
Thanks for the explanation.
 

bpeeps

macrumors 68040
May 6, 2011
3,116
3,020
We know what they meant based on context and it's actually a common grammatical error that many people make. "Every VISA card will not work" technically implies all VISA cards will not work.
I think you meant to reply to deeddawg, but that's what I was saying.

Exactly. The two statements mean very different things, the difference being where the "not" is placed.

Every VISA card will not work.
Not every VISA card will work.​

Lest someone get confused, I thought it would be helpful to the community to clarify.
 

weaverra

macrumors 6502
Sep 27, 2006
250
2
My bank isn't supported on the list of banks on apples website, but my credit and debit card they have issued me is a VISA card. Will I still be able to use apple pay (since Visa cards are accepted) or would I have to wait for the bank to be enrolled as well?
Call them and find out. I did with my credit union and they said they in fact will be supporting Apple Pay. That list on the Apple website is for fluff. There are many more that will be supporting this than on that list.

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Correct -- the card brand itself doesn't control. The issuing bank has to be on board.
I think it really has more to do with the company that handles the debit and credit processing for the bank or credit union more than the bank or credit union itself unless they are the processor.
 

oddnendz

macrumors 6502
Feb 6, 2007
485
9
Raleigh, NC
Your first post is what I was referring too - the USAA issued Amex cards will not work at the USAA rollout, only the Visa and MC branded cards. I quoted the part in the link I posted that said it. I personally don't have an Amex card of any flavor any longer. They did NOT do right by me, and I choose to no longer do business with them. Oddly, one of my Supervisors had a similar occurrence and ceased using them too. It was nice to find someone else that "got it". I don't begrudge anyone that has great experiences with them - and in their defense, they thought they were doing me a favor. I looked at it differently.

The key is, the issuing BANK needs to support Apple Pay before it will work - it doesn't matter which label the card has, Visa, MC, Amex because it needs to be in place by the bank first.
Yeah, my sister is very annoyed that her USAA Amex won't work with Apple Pay yet.... and doubly annoyed that my USAA MC will be working at the USAA rollout.
 

caesarp

macrumors 6502a
Sep 30, 2012
967
388
Does anyone know if you can have different default credit cards for different locations or even different types of merchants? I use a different CC for gas stations, than I do for restaurants, than I do for grocery stores. I use the one that gives me the highest cash back :)
You choose ONE default card. But you can easily use your non-default when making a purchase. So you'll have to choose one and live with it (and switch to the other when needed).
 

impulse462

macrumors 68000
Original poster
Jun 3, 2009
1,944
2,550
I happened to call my bank (comerica) and they were pretty adamant that all of their cards worked with apple pay, but whenever I try to add my visa card my phone tells me that the issuer doesn't support apple pay yet. I don't know where I can find a list of that 500 banks, but it's kind of annoying. Anyone have an experience like this?
 

JayLenochiniMac

macrumors G5
Nov 7, 2007
12,819
2,381
New Sanfrakota
I happened to call my bank (comerica) and they were pretty adamant that all of their cards worked with apple pay, but whenever I try to add my visa card my phone tells me that the issuer doesn't support apple pay yet. I don't know where I can find a list of that 500 banks, but it's kind of annoying. Anyone have an experience like this?
For a list of bank-issued Visa cards, see http://usa.visa.com/clients-partner...on/apple-pay/financial-institutions/index.jsp
 
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