FAQs
About Apple Pay
Apple Pay set up
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Which devices are compatible with Apple Pay?
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Apple Pay works with compatible Apple enabled devices such as iPhone, Apple Watch, iPad and Mac - in stores, within apps and websites in Safari.
For more information on compatible devices, click here.
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How do I set up my Card on Apple Pay?
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Through a provisioning process, your Virgin Money Credit Card can be added to use Apple Pay. You can choose to capture your card information with your iPhone or inputting the card information manually. Then, depending on the account Terms and Conditions set by Virgin Money Australia, your identity may be verified through a one-time activation code or you may select the option to call the Customer Care Team.
iPhone
- Open the Wallet app.
- Tap the “+” sign in the upper-right corner and follow the steps to add a new card.
- Enter your card’s security code to add your Credit Card if it’s already affiliated with your iTunes account. Or, select “Add a different card,” and use your iPhone camera to scan the card information.^
- Enter in your Credit Card expiry date and CVV.
- Read and agree to the Terms and Conditions. A 6 digit code may be sent via SMS to your mobile phone, enter this code in. Your card will then be added.
Apple Watch
- Open the Apple Watch app on your iPhone.
- Tap “Wallet & Apple Pay” and select “Add Credit or Debit Card.”
- Enter your card’s security code to add your Credit Card if it’s already affiliated with your iTunes account. Or, select “Add a different card” and use your iPhone camera to scan the card information.^
- Enter in your Card expiry date and CVV.
- Read and agree to the Terms and Conditions. A 6 digit code may be sent via SMS to your mobile phone, enter this code in. Your card will then be added.
iPad
- Go to Settings.
- Tap “Wallet & Apple Pay” and select “Add Credit or Debit Card.”
- Enter your card’s security code to add your Credit Card if it’s already affiliated with your iTunes account. Or, select “Add a different card” and use your iPad camera to scan the card information.^
- Enter in your Card expiry date and CVV.
- Read and agree to the Terms and Conditions. A 6 digit code may be sent via SMS to your mobile phone, enter this code in. Your card will then be added.
MacBook Pro with Touch ID
- Go to System Preferences.
- Select “Wallet & Apple Pay” and select “+” button. Follow the steps to add a new card.
- Enter your card’s security code to add your Credit Card if it’s already affiliated with your iTunes account. Or, select “Add a different card” and use your MacBook Pro camera to scan the card information.^
- Enter in your Card expiry date and CVV.
- Read and agree to the Terms and Conditions. A 6 digit code may be sent via SMS to your mobile phone, enter this code in. Your card will then be added.
^ For a list of compatible Apple Pay devices, see support.apple.com/km207105.
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How do I set my Virgin Money Credit Card as the default card in Apple Pay?
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iPhone or iPad: Go to Settings > Wallet & Apple Pay on your iPhone or iPad. Tap Default Card, and then choose a new card. On iPhone, you can also open Wallet, tap and hold a card, then drag it to the front of your cards. Tap OK.
Apple Watch: Open the Apple Watch app on your iPhone. Tap the My Watch tab, tap Wallet & Apple Pay > Default Card, then choose a new card.
Click here for more information on managing the cards that you use with Apple Pay.
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Can I add the same card to more than one device using Apple Pay?
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Yes, you can enrol your card on up to 5 devices.
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How do I remove my card from Apple Pay?
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iPhone or iPad: go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap Remove Card.
Apple Watch: open the Watch app on your iPhone, go to the My Watch tab, scroll down, tap Wallet & Apple Pay, tap the card, and then tap Remove Card.
Click here for more information on managing the cards that you use with Apple Pay.
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Using Apple Pay to make a transaction
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Where can I use Apple Pay?
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You can use Apple Pay in stores wherever contactless payment (NFC) is accepted. You can also make in-app purchases and on websites in Safari where Apple Pay is available as a payment option.
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Do I need to have an active internet connection for Apple Pay to work?
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Apple Pay requires an active internet connection for adding a card or provisioning. However, an active internet connection is not required to make in-store purchases.
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How can I reverse a transaction made using Apple Pay?
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Reversing a transaction made with Apple Pay is the same as a physical card. Please contact your merchant if you wish to request for a reversal or refund.
You may be asked to provide the last four digits of your Device Account number. To find this, select Settings ➡ Wallet & Apple Pay ➡ Card ➡ scroll down and view 'Device Account Number'. You can also find it in the Wallet app by selecting the card and tapping on the symbol with the 3 dots on the lower right hand corner and then scrolling down and view 'Device Account Number'.
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How do I return a purchase if I used Apple Pay to make the payment?
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All purchases made with Apple Pay can be returned according to the store’s policies. If you return an item paid for with Apple Pay, the store may require you to tap your device onto the payment terminal to complete the return. Store policy may require you to use the physical card also.
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How can I keep track of purchases I’ve made with Apple Pay?
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The last 10 transactions made with Apple Pay can be viewed within the Wallet app. Simply tap on your card in the Wallet app and tap ‘…’ (3 dot icon at the lower right hand corner of the wallet app), then tap the Transactions tab. Additionally, a real-time* push notifications with transaction details will be sent after each Apple Pay purchase.
* Real-time push notifications require an active internet connection.
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Apple Pay security
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Is Apple Pay Secure?
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Yes. Apple Pay allows you to make easy, and secure transactions in stores, in apps, and on the web.
When you add a Card to Apple Pay, information that you enter on your device is encrypted and sent to Apple servers. If you use the camera to enter the card information, the information is never saved on your device or photo library.
Apple decrypt the data, determines your card’s payment network, and re-encrypts the data with a key that only your payment network (or any providers authorized by your card issuer for provisioning and token services) can unlock.
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What should I do if my device is lost or stolen?
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Please contact our Customer Care Team at virginmoney.com.au/credit-card/contact-us. Our Customer Care Team will be able to assist. Your physical card can still be used.
If you turned on Find My iPhone on your device, you can suspend Apple Pay by placing your device in Lost Mode instead of immediately cancelling your cards. If you find your device, you can re-enable Apple Pay. You can also go to your Apple ID account page to remove the ability to make payments with the credit and debit cards that you were using with Apple Pay on the device.
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Does Apple Pay have access to my bank accounts?
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Will I continue to receive the benefits and rewards from my Virgin Money Credit Cards that are used for payment with Apple Pay?
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Yes, eligible Virgin Money Credit Cards added to Apple Pay will continue to receive all the security, benefits and rewards that you receive today with your physical card.
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If I format/jailbreak my device will my Apple Pay information remain?
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Formatting/jail breaking your device will remove all bank cards registered to your device and you would have to register them again. Apple pay is not supported on jail broken devices. Learn more about Apple Pay and its security.
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Miscellaneous
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What should I do if I lose my original card and then receive a replacement card?
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The cards within Apple Pay are digital versions of your physical cards. If you lose your original card and receive a replacement card, then the replacement card will be automatically updated within your Apple Pay Wallet.
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What should I do if I receive a renewal card as the original card has expired?
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The cards in Apple Pay are digital versions of your physical cards. If you receive a renewal card to replace your expired card, then the replacement card will be automatically updated within your Apple Pay Wallet.
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Can I continue to use my physical card if I disable Apple Pay or remove the digital equivalent on Apple Pay?
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Yes. When you disable Apple Pay or remove a registered card, you are only suspending the digital card that has been assigned to your device. You can continue to use your physical card for transactions.
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If I want to switch devices, do I need to add my cards all over again?
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Yes. You would need to re-register your cards again if you were to change your device.
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Can I use Apple Pay overseas?
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Apple Pay will work in all countries wherever contactless payments are accepted. We suggest you take your physical card as an alternative when travelling overseas.
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Can I use Apple Pay at ATMs?
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No, you cannot use Apple Pay at ATMs to withdraw cash. A physical card will be needed to withdraw cash from the ATM.
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Can I load more than one card on Apple Pay?
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Yes, you can load more than one Virgin Money Credit Card to Apple Pay.
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*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.
*Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Pay Terms and Conditions are available here. For a list of compatible Apple Pay devices, see support.apple.com/km207105.