Why can’t my card Apple Pay?

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by drewdove, Apr 27, 2018.

  1. drewdove macrumors newbie

    Jul 22, 2013
    I’ve used it in the App Store without problem, but it won’t do the Apple Pay. I thought if I can buy music I can put cash on my Pay Cash card. No luck. Thoughts ?
  2. -Gonzo- macrumors 6502


    Nov 14, 2015
    You’d have to ask the Card provider as they’re the ones who decide if your card works with Apple Pay or not.
  3. cyb3rdud3 macrumors 65816

    Jun 22, 2014
    Get a better bank.
  4. brgjoe macrumors regular

    Nov 6, 2014
    I know when setting up my iPhone 6 for Apple Pay, certain cards don't work with it. My AT&T universal card was one of those that for whatever reason(s) did not play nice with Apple Pay.

    I think most cards work with Apple Pay now. But there are still the outliers.
  5. Newtons Apple Suspended

    Newtons Apple

    Mar 12, 2014
    Jacksonville, Florida
    It would help if the OP told us what credit card or what issuing bank
  6. chabig macrumors 603

    Sep 6, 2002
    Or what he means by “Pay Cash” card.
  7. drewdove thread starter macrumors newbie

    Jul 22, 2013
    It’s an Eagle Community Credit Union MasterCard and it works buying stuff from the App Store. Just not Apple Pay
  8. drewdove thread starter macrumors newbie

    Jul 22, 2013
  9. jetsam macrumors 6502

    Jul 28, 2015
    Eagle Community Credit Union is not on the Apple Pay participating banks list:

    Contact your credit union and ask them to participate in Apple Pay.
  10. drewdove thread starter macrumors newbie

    Jul 22, 2013
    I guess if you can buy tunes with it they should finish the job by turning on Apple Pay
  11. ecschwarz, May 6, 2018
    Last edited: May 6, 2018

    ecschwarz macrumors 65816


    Jun 28, 2010
    Buying music and apps through the iTunes Store is no different than using your card through Amazon, eBay, or any other place online (in other words, Apple gets your card information and processes it accordingly).

    For Apple Pay to work, the issuing bank or credit union has to support it, as they generate a unique number specific to your device. This is to add to the security, in that if you use Apple Pay, it uses that number that is different than the one printed on your card, but is generated by your credit union. They take care of matching the two behind the scenes when the transaction comes through. This is why many issuers can instantly update an Apple Pay card in the event that a physical one is lost or stolen and a new one gets mailed out - change the source account #, reassign the device #, point the two together.

    For what it's worth, the generated number is the same type of number as your card, meaning that if you have a Mastercard, your device account number would also be a Mastercard (5xxx xxxx xxxx xxxx). This allows Apple Pay to work anywhere that has NFC, as the merchant just "sees" an Apple Pay payment as the card type you're using.

    Most banks and credit unions support it, but there's a few smaller ones that don't for whatever reason. Discover was a notable one for credit cards, as they waited a year to support it, and still don't with their debit cards. Once that happens and you can add your card to the Wallet app, you should be fine.

    Once the card is added, then you can load money on Apple Pay Cash, which, behind the scenes is a prepaid Discover debit card issued by GreenDot (they sell a lot of prepaid Visas/Mastercards at places like Walmart and Kroger). Unfortunately, the only way to fund and send money is from another card in Apple Pay.

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