Apple Pay FAQ

Getting Started

What is Apple Pay?

Apple Pay is a mobile wallet that lets you pay for purchases at stores and in apps easily and securely using your compatible Apple device instead of a physical credit or debit card.

At Eastern Bank, we don’t charge a fee to use Apple Pay, but charges from your mobile carrier may apply depending on your wireless plan.

Please click here to see a list of compatible devices.

Contactless payments with Apple Pay and your mobile device use near-field communication (NFC) for making secure payments. The device and the terminal will establish radio communication with each other when the devices are touched together or brought into proximity to typically 10 centimeters.

Use Apple Pay

How do I add my Eastern Bank Debit Card to Apple Pay?

Go to Wallet and tap Add Credit or Debit Card and 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. Eastern Bank will verify your information and decide if you can use your card with Apple Pay. If we need more information to verify your card, you’ll be asked for it at that time. Once you receive the verification code, go back to Wallet and add the code. After your bank or issuer verifies your card, tap Next. Then, start using Apple Pay.

If you want step-by-step instructions for your iPhone, iPad, or Apple Watch, please click here.

Note: After you try adding a card, you might see a small temporary charge on your account from Apple Pay. This charge is used to verify that your card and account are valid. It won’t affect your balance and will disappear soon after.

You may be prompted to call. This security step enables us to verify that you’re the owner of the debit card being added. This process will help prevent someone from stealing your debit card and trying to add your card to a device.

The debit card associated with your iTunes account or the first card you add to your wallet will be your default card:

1. Go to Settings, then tap on Wallet & Apple Pay.
2. Tap Default Card
3. Select New Card.

Yes, you can add multiple cards to Apple Pay on multiple compatible devices. However, you are limited to eight cards per device.

Click here to learn how to pay in stores.
Click here to learn how to pay in apps.

Clothing retailers, grocery stores, pharmacies, restaurants, and other shops accept Apple Pay. Just look for the contactless logo at checkout to see if the store accepts mobile payments. We suggest you carry your physical cards to use where Apple Pay is not accepted.

  1. Look for the Apple Pay symbol and hold your phone near the terminal.

  2. Place your finger on the Touch ID™, or you may need to enter a Personal Identification Number (PIN) or your signature.

  3. Keep your phone by the terminal until it confirms your payment was accepted.

Yes, depending on whether a transaction is processed as credit or debit, you will need to either sign or enter your PIN.

  1. Tap the “Buy with Apple Pay” or “Apple Pay” button or choose Apple Pay as your payment method.

  2. Check your billing, shipping, and contact information to make sure that they’re correct. If you want to pay with a different card, tap next to your card.

  3. If you need to, enter your billing, shipping, and contact information on your iPhone or iPad. Apple Pay will store that information so you won’t need to enter it again.

  4. Confirm the payment. When your payment is successful, you’ll see Done and a checkmark on the screen.

Your Apple Pay transaction history will be displayed. Transactions that were made using your physical card will not be listed. Also, when making purchases at certain merchants, such as restaurants, hotels, and gas stations, you might see different transaction amounts from the final amount posted to your account. Refer to your account statement for final transaction details.

Note: If you ever need proof of purchase, you may still need to show the receipt you got from the merchant.

For product returns, it’s best to have your payment device with you. The merchant can use your Device Account Number to find the purchase and process the return. To find the last four digits of your Device Account Number, go to Wallet, tap the card you used for the purchase, then tap the ‘i’ icon. To authorize the return, select the card you used for the purchase from Wallet, hold the device near the card reader, and place your finger on Touch ID. Depending on the return and refund policies of the store, it may take several days for the credit to appear on your account statement.

In some instances, a merchant may ask for your physical card to complete the return.

To remove a card that you use on your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap Remove Card.

Data and Security

How does Apple Pay keep my information safe?

Apple Pay provides enhanced security because it does not store or transmit your actual debit card number. When you add your card, a unique Device Account Number (token) is assigned, encrypted, and stored within the Secure Element on your device. Then, when you make a purchase, the token is used to process your transaction. So your actual debit card number is never transmitted with payments or shared with merchants.

Since Apple Pay doesn’t store your debit card number on the device and only the token is transmitted at the time of a transaction, you never reveal your name, card number, or security code to merchants. This also prevents your card number from being exposed in a security breach.

If your iPhone or other Apple device is lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode, which will suspend Apple Pay. Or you can wipe your device completely. If you can’t download the Find My iPhone app or can’t disable Apple Pay using your iCloud account from another device, you should call 1-855-585-8329 right away and you can have your device account number temporarily suspended or deleted.

Adding your debit card to Apple Pay is your choice. You can add and remove cards anytime.

Yes, using your Eastern Bank Debit MasterCard with Apple Pay carries the same security features as the physical card. You’ll continue to be protected by MasterCard’s Zero Liability program so that you won’t be responsible for any fraudulent activity on your account as long as you reasonably protect your card and device from loss or theft, and promptly report any loss.