Apple Pay

C1st now offers Apple Pay™ for C1st VISA Debit Cards!

What is Apple Pay?

Apple Pay allows you to pay for your purchases by holding an Apple device near a contactless reader at participating merchants.  You can also use your device to pay within certain apps. 

What do I need to get Apple Pay?

Apple Pay is compatible with these Apple devices:

iPhone 7
iPhone 7 Plus
iPhone 6s
iPhone 6s Plus
iPhone 6
iPhone 6 Plus
iPhone SE

iPad (5th generation)
iPad Pro (12.9-inch)
iPad Pro (9.7-inch)
iPad Air 2
iPad mini 4
iPad mini 3

Apple Watch Series 2
Apple Watch Series 1
Apple Watch (1st generation)

MacBook Pro with Touch ID
A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch

Is Apple Pay Free?

Yes, there is no charge to use Apple Pay; however, depending on your data plan, message and data rates may apply. 

Apple Pay Enrollment Instructions:

Add a card on your iPhone:

  • Go to Settings > Wallet & Apple Pay
  • Tap Add a Credit or Debit Card
  • 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.
  • Tap Next. 
  • Complete the verification process (if prompted).  If verification is needed, you will be prompted to call C1st to verify your card for Apple Pay.
  • After your card has been verified, go back to Settings > Wallet & Apple Pay and tap your card.
  • Start using Apple Pay!

Add a card on your iPad:

  • Go to Settings > Wallet & Apple Pay
  • Tap Add Credit or Debit Card
  • 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.
  • Tap Next 
  • Complete the verification process (if prompted).  If verification is needed, you will be prompted to call C1st to verify your card for Apple Pay.
  • After your card has been verified, go back to Settings > Wallet & Apple Pay and tap your card.
  • Start using Apple Pay!

Add a card on your Apple Watch:

  • Open the Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
  • Tap Wallet & Apple Pay.
  • Follow the steps to add a card. If a card is already on your iPhone, tap Add next to the card. To add a new card, tap Add Credit or Debit Card.  If you're asked to add the card that you use with iTunes, just enter its security code.
  • Tap Next.  C1st will verify your information and decide if you can add your card to Apple Pay.  If we need more information to verify your card, we'll ask you for it.   When you have the information, go back to Wallet & Apple Pay and tap your card.
  • After your card is verified, tap Next. 
  • Start using Apple Pay!

Add a card on your MacBook Pro with Touch ID:

  • On your MacBook Pro with Touch ID, go to System Preferences > Wallet & Apple Pay.
  • Tap Add Card.
  • 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.
  • Tap Next.  C1st will verify your information and decide if you can add your card to Apple Pay.  If we need more information to verify your card, we'll ask you for it. When you have the information, go back to System Preferences > Wallet & Apple Pay and tap your card.
  • After we verify your card, tap Next. 
  • Start using Apple Pay!

How do I change the default card to my C1st VISA Debit Card?

The credit or debit card associated with your iTunes account or the first card you add to your Wallet is your default card.  To change your default card:

  • Go to Settings > Wallet & Apple Pay
  • Tap Default Card
  • Choose a new card

Will the card image in Apple Pay match my physical card?

In most cases, yes.  However, in some cases the card in Apple Pay will not match your physical card.  In these cases you will see an image of a card with our C1st logo on it. 

Are my payments safe with Apple Pay?

Yes.  When you use Apple Pay, your card number isn’t stored on your phone or given to the merchant.  A unique digital code is created specifically for that device.  Additionally, you will be required to use either your fingerprint with Touch ID or a secure passcode to compete a purchase. 

Because the digital code can only be used once, your accounts are better protected against fraud.

Is my privacy and personal information protected?

Yes.  Apple Pay doesn’t store your debit card number on your device; you never reveal your name, card number or security code to merchants. 

Why am I being asked to call C1st to verify my card?

If your Apple account information does not match the address we have on file for your debit card, you may be prompted to call us for verification as a final step before enrollment.  Please call the number provided so we can verify your card, then look for a Wallet message letting you know that your card is ready for use with Apple Pay. 

Where can I use Apple Pay?

Paying is easy.  Pay in stores with a single touch wherever these logos are displayed. 

Within your apps, checking out is as easy as selecting “Apple Pay” and placing your finger on Touch ID. 

To view a complete list of Apple Pay merchants, go to http://www.apple.com/apple-pay/where-to-use/ 

Am I able to opt out of Apple Pay at any time?

Yes.  Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed.  To remove a card:

  • Go to Settings > Wallet & Apple Pay
  • Tap on the credit/debit card you want to remove
  • Tap Remove Card 

What if my phone gets lost or stolen?

Apple’s Find My iPhone website lets you suspend its ability to make payments, or you can contact C1st, who can suspend Apple Pay for debit cards.  In any case, without your thumbprint or card information, a thief should not be able to use your phone to make purchases.

What if my C1st VISA Debit Card is lost or stolen?

Contact C1st immediately and let us know you’re an Apple Pay customer.  We’ll cancel your debit card.  You should remove the lost/stolen card from Wallet using the “Remove Card” option.  When you receive your replacement debit card, you will need to add the new card to Apple Pay.

How do I return an item to a merchant?

You may be asked to provide the last four digits of your Device Account Number instead of the last four digits of your debit card number.  To find the last four digits of your Device Account Number:

  • Go to Settings > Wallet & Apple Pay
  • Tap on the credit/debit card you used to make the purchase
  • The last four digits of your Device Account Number are displayed. 

Are Apple Pay purchases eligible to earn Kasasa Cash & Kasasa Cash Back rewards?

Of course!  Each Apple Pay transaction counts as a debit card transaction.  Click here to learn more about Kasasa Cash & Kasasa Cash Back checking accounts.   

Where can I get more information on Apple Pay?

www.apple.com/apple-pay  

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