Apple Pay Frequently Asked Questions

What is Apple Pay?
Apple Pay is a revolutionary contactless payment technology that allows you to purchase items by simply tapping your phone rather than using your card. Apple has incorporated its new Touch ID biometrics and PIN capability for added security on mobile devices.
Which devices provide access to Apple Pay?
The iPhone 6, iPhone 6 Plus, and the Apple Watch have this payment capability. On iPhone 6, iPad Air 2, and iPad mini 3, you can also use Apple Pay within apps.
Can I add my Stanford FCU debit and/or credit card(s) to Apple Pay?
All Stanford FCU debit and credit cards can be used with Apple Pay. To get started, you can add the credit or debit card from your iTunes account to Passbook by simply entering the card security code. Add additional cards on iPhone 6 within the Passbook app. Just tap the plus sign and follow the onscreen instructions. On iPad Air 2 and iPad mini 3, start by opening Settings, tap “Passbook & Apple Pay”, then tap “Add Credit or Debit Card”. For Apple Watch, open the Apple Watch app on your iPhone, tap “Passbook & Apple Pay,” then tap “Add Credit or Debit Card.” The first card you add will be your default payment card, but you can always choose a different card when paying or select a new default.
Can I opt out of using Apple Pay?
Adding debit or credit cards to Apple Pay is your choice, and you have the ability to delete or add cards as needed.
What merchants have NFC-enabled terminals?
Apple Pay is accepted at grocery stores, boutiques, restaurants, hotels, and many places you already enjoy. Just look for these symbols at checkout:

Apple Pay Icons

For a listing of the stores that currently accept Apple Pay, click here

How does the security of this payment option compare to the EMV chip cards?
Both are based on the same security technology. However, Apple Pay generates a unique code that represents your account information. This means that no personally identifiable information is being transmitted during the transaction.
Could someone within close proximity intercept the data?
Apple Pay does not use your card account information directly. Instead, it assigns and encrypts a unique Device Account Number to your card and stores it securely in a dedicated chip in the iPhone, iPad, and Apple Watch. This code can be interpreted only by the financial institution that issued your card. The information would not be readable, usable, or understandable by anyone other than Stanford FCU.
Where can I find more information on using debit and credit cards in Apple Pay?
You can access additional information on
Back to top