Apple Pay is here

Using Apple Pay is simple and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay.

Paying in stores, apps and on the web has never been easier, safer, or more private.*

Add your card to Apple Pay in three simple steps.

iPhone

  1. Open the Wallet app
  2. Tap the plus sign in the upper-right corner
  3. Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select Add a different card and use your camera to enter the card information*

Apple Watch

  1. Open the Apple Watch app on your iPhone
  2. Tap Wallet & Apple Pay and select Add a Credit or Debit Card
  3. Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select Add a different card and use your camera to enter the card information*

iPad

  1. Go to Settings
  2. Tap Wallet & Apple Pay and select Add Credit or Debit Card
  3. Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select Add a different card and use your camera to enter the card information

How it works

Paying in stores

To pay in stores, there is no need to wake your iPhone or open an app. Just hold the iPhone near the reader with your finger on Touch ID.

You’ll see Done on the display, along with a subtle vibration and beep, letting you know your payment information was sent. On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the reader. A gentle tap and beep confirms that your payment information was sent.*

Paying in apps and on the web

To pay in apps and on the web with iPhone and iPad, select Apple Pay as the payment method during checkout and place your finger on Touch ID. To pay on Mac in Safari, choose Apple Pay then complete the purchase with your iPhone or Apple Watch.*

Conditions of Use

When you use Android Pay or Apple Pay you are carrying out an electronic transaction which is governed by the Electronic Payments section of our Credit Union Account & Access Facility.

Frequently Asked Questions

What is a Digital Wallet?

Also known as an e-wallet, or mobile wallet digital wallets can be used in conjunction with mobile payment systems that allow cardholders to pay for purchases with their smart phone in store (via NFC technology) and online.

The wallet can also store loyalty card information, digital coupons & credentials and in the future it’s likely they will be able to store all types of digitised information like drivers’ licences and passports, travel cards and building access passes.

What is Apple Pay?

Apple Pay is a digital wallet application created by Apple for customers to pay for goods and services using a compatible Apple device.

What do I need to use Apple Pay?

To use your Apple compatible device to pay in stores, you need an NFC and HCE enabled Apple iPhone running iOS 8.1 or above, and the Wallet app.

The ‘Wallet’ app is a standard app for with the latest iOS version.

Do I need to upgrade iOS operating system to use Apple Pay?

As long as you have an iPhone SE, iPhone 6, iPhone 6 Plus or other compatible Apple device running the latest version of iOS that is NFC and HCE enabled you do not need to upgrade.

How do I know what version of iOS I am operating?

You can usually see this by going to Settings > About > Version. Alternatively, you can visit your local Apple Store.

When does Apple Pay launch in Australia?

Apple pay was launched in 2015 with ANZ and AMEX. Other Financial Institutions will continue to introduce Apple Pay to their customers.

Cuscal will be enabling our Clients to introduce Apple Pay to their customers from the 15th of November 2016.

Where can I use Apple Pay?

You can pay with your compatible Apple devices at any participating store that has a Point of Sale terminal which accepts contactless (NFC) payments across Australia.

How do I set up Apple Pay?
  1. Open the ‘Wallet’ app and tap Add Credit or Debit Card.
  2. Follow the steps to add a new card.
  3. If you are asked to add the card that you use with iTunes, just enter its security code.
  4. Select ‘Next’, your card issuer will verify your information and confirm if you can add your card to Apple Pay. If your card issuer needs more information to verify your card, they'll prompt you for the required information.
  5. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  6. After your issuer verifies your card, tap “Next”. Then start using Apple Pay.
Can I use Apple Pay on an Android Device?

No. Apple Pay will only work on compatible iOS devices.

How do I use Apple Pay?

To pay with Apple Pay:

Press the home button twice and the wallet will appear with the default card. No need to open the app. OR Initiating/waking up the wallet by holding the device close to the terminal, then you’ll only have to confirm via finger on Home screen/button.

Hold the back of your device near the contactless payment terminal and place a registered finger on the home button.

Your Apple device will beep or vibrate and a tick will appear on the screen to confirm transaction.

A notification will be pushed to your Apple device to advise you of the transaction.

What should I do if I'm having difficulty adding a card?

Your card issuing bank is standing by to help. You can call the issuing bank’s helpdesk phone number on the back of your card, if you are having difficulty adding an eligible card on to Apple Pay.

Which cards can I register with Apple Pay?

At present, eligible Visa Debit or Credit Cards holders from participating issuing financial institutions are able to register their cards with Apple Pay. There are plans to launch MasterCard and eftpos cards with Apple Pay next year.

How do you add a card to an iPhone?

Here's what you need:

  • Your iPhone SE, iPhone 6, iPhone 6 Plus, and later*
  • Compatible version of iOS
  • A supported bank card

Add your card:

  1. Go to Wallet and tap Add Credit or Debit Card. Follow the steps to add a new card. “If you are adding a card that is listed in your iTunes account as a payment method, you may only need to enter the security code.”
  2. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If your bank needs more information to verify your card, they'll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  3. After your bank verifies your card, tap Next. Then start using Apple Pay.

You can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

How do you add a card to the Apple Watch?

Here's what you need:

  • Your Apple Watch and your paired iPhone*
  • Compatible Apple watches
  • A supported bank card

Add your card:

  1. Open the Watch app on your iPhone, go to the My Watch tab. If you have multiple watches, choose one.
  2. Tap Wallet & Apple Pay.
  3. Follow the steps to add a card. If a card's 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.
  4. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If your bank needs more information to verify your card, they'll ask you for it. When you have the information, go back to Wallet & Apple Pay and tap your card.

After your bank verifies your card, tap ‘Next’. Then start using Apple Pay.

How do you add a card to an iPad?

Here's what you need:

  • Your iPad Pro, iPad Air 2, iPad mini 3, and later*
  • The latest version of iOS
  • A supported bank card

Add your card:

  1. Go to Settings > Wallet & Apple Pay.
  2. Tap Add Credit or Debit Card.
  3. 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.
  4. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If your bank needs more information to verify your card, they'll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  5. After your bank verifies your card, tap Next. Then start using Apple Pay.
Does Apple Pay work on smart watches?

Yes Apple Pay works with the Apple Watch and compatible devices.

Will I be able to store and use my Loyalty Cards, Gift Cards, and Offers?

Soon you will be able to add your favourite store credit cards and rewards cards to Wallet — and use them to make purchases and redeem rewards with Apple Pay.

Will I continue to receive the benefits and rewards from my credit and debit card company?

With eligible cards from participating banks, you will continue to receive all the security, benefits and rewards with Apple Pay as you do with your credit or debit card.

How can I change my default card within Apple Pay?

Go to Settings > Wallet & Apple Pay on your compatible iPhone or iPad. Tap Default Card, then choose a new card.

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

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

My card has been compromised? Or has been reported lost or stolen? What are my options?

You can call your card issuing bank to block or cancel the card, and that would automatically suspend or delete the card within your Apple Wallet.

You can also log onto iCloud and use the “Find My iPhone” feature to remove cards registered to Apple Pay or lock the device.

Is Apple Pay secure?

Apple takes security very seriously. For full information on different security measures, please visit - Apple Pay security and privacy overview.

The link will provide details around:

  • Payment Information
  • Adding Credit or Debit Cards
  • Using Apple Pay in Stores
  • Using Apple Pay within Apps
  • Adding and using reward cards with Apple Pay
  • Losing your device
  • Maintaining your privacy
I never received my OTP

Check that the phone number/email address we have on file for the cardholder are correct. NOTE: Any changes made to the database will take 24 hours to reach Cuscal’s systems, so the cardholder won’t be able to immediately request another password.

Verify Customer Identity using ID&V process and activate via portal if authenticated.

I got my OTP wrong a few times and now it won’t work

This is an intended security feature. If the OTP is entered few times incorrectly, the cardholder will no longer be able to use OTP for authentication for 24 hours.

Verify Customer Identity using ID&V process and activate via portal if authenticated.


 
*Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see Devices compatible with Apple Pay.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.