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Apple Pay Interac Debit is finally here!
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Apple iPhone Apple Watch

Use Apple Pay with your ATB Financial Interac® Debit card and MasterCard® anywhere contactless payment is accepted

Apple Pay Add Card

How to add cards.

Setup is simple.

On iPhone, open the Wallet app and tap the plus sign. From there, follow the onscreen instructions.

On Apple Watch, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” From there, follow the onscreen instructions.

On iPad, go into Settings, open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.” From there, follow the onscreen instructions.


For ATB Interac® Debit: If you're having trouble scanning your card, check your device's operating system—you need iOS software version 10.0.1 or later—and make sure you're in a room with good lighting. If you still can't scan your card, enter in your debit card number manually.

How to pay.

Paying is secure and easy.

To pay within stores, hold iPhone near the reader with your finger on Touch ID. On Apple Watch, just double-click the side button and hold the display of your Apple Watch up to the reader. To pay in apps and on the web on iPhone and iPad, select Apple Pay as the payment method and place your finger on Touch ID. On Mac in Safari, choose Apple Pay then complete the purchase on your iPhone or Apple Watch.

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All ATB payment cards

Whether you have an Interac® Debit card or a business or personal ATB MasterCard®, they're Apple Pay compatible. Plus, all your great MasterCard rewards and benefits apply for Apple Pay purchases.

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Is your device ready?

You need an iPhone 7, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, or iPhone SE, running iOS 10.1.1 and above. Or an Apple Watch paired with iPhone 5 or later. For in-app payments, you can also use the iPad Air 2, iPad mini 3, iPad Pro and iPad mini 4.

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Secure and private.

No more entering your PIN or showing your card. When you use Apple Pay, card details are never shared—in fact, they aren’t stored on your device at all. For more details, check out Apple’s security overview page

 

Don’t have a card yet? Shop on get.atb.com and apply now.

Read Mobile Wallet terms and conditions





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*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 https://support.apple.com/en-ca/km207105

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

® MasterCard is a registered trademark of MasterCard International Incorporated, used under license by ATB Financial.​​

Interac and the Interac logo are registered trade-marks of Interac Inc. Used under license.​​ ​​

 

FAQs

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1. What do I need to use Apple Pay?

You need an iPhone 6 (and later), running iOS 10.1.1 (and later). If you have an Apple Watch, you need to be running watch IOS 2 (and later) and a paired iPhone 5 (and later). To pay in apps, you can use the iPhones listed above or an iPad Pro, iPad Air 2, iPad mini 3 and later. For a complete up-to-date list of compatible Apple Pay devices, click here.

You’ll also need:

  • Touch ID or passcode activated on your iOS device. (If you have an Apple Watch, you’ll also need Wrist Detection turned on.)
  • Canada as your selected region.
  • An Apple ID signed in to iCloud.
  • An ATB debit or credit card

2. What ATB MasterCards can I use with Apple Pay?

All of them! All personal and business ATB debit and credit cards are eligible for Apple Pay.

3. How do I set up my ATB payment cards in Apple Pay?

On a compatible 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 iSight camera to enter the card information.
  4. Enter the verification code you receive by text or email. (It may take a few minutes for the verification code to arrive.)

On an 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 iSight camera to enter the card information.
  4. Enter the verification code you receive by text or email. (It may take a few minutes for the verification code to arrive.)

On iPad Pro, iPad Air 2, iPad mini 4 and iPad mini 3 (For ATB MasterCard only)

  1. Go into Settings
  2. Tap “Wallet & Apple Pay” and select “Add Credit 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 iSight camera to enter the card information.
  4. Enter the verification code you receive by text or email. (It may take a few minutes for the verification code to arrive.)

When scanning your ATB Interac® Debit card in any of the Apple Pay compatible devices listed above, please ensure you hold it vertically so the number on the card is facing upright.

4. How do I know my card has successfully uploaded to my Wallet?

You’ll receive a notification from Apple confirming your device has been activated for Apple Pay. Within a week, you’ll also receive a letter from ATB confirming that you’ve added your card to Apple Pay. These are security features, so you know when your device and card have been activated.

4. I have an iPad Pro. Can I use that with Apple Pay?

Yes, but not when you shop in stores. Your iPad Pro, iPadAir 2, and iPad mini 3 (and later) can use Apple Pay to make purchases in apps that support Apple Pay.

5. I’m having trouble scanning my ATB Interac® Debit card. Any tips?

Try these tips below. If you still have trouble, you can enter your card manually or call us between 7am–11pm, seven days a week.

  • ATB MasterCard:1-888-282-5678
  • ATB Interac® Debit card: 1-800-332-8383
    1. Keep your phone vertical when scanning the card, even though the photo suggests you should turn your phone horizontal.
    2. Make sure you have iOS version 10.0.1 or later.
    3. Avoid bright lighting when scanning your card. Bright lights can cause glare which can lead to incorrect scanning. 

6. What should I do if I’m having trouble scanning my ATB Interac® Debit card?

You can enter your card manually.

  • ATB MasterCard:1-888-282-5678
  • ATB Interac® Debit card: 1-800-332-8383

7. Can I add my payment cards to multiple devices?

Yes. You can activate the same ATB payment card on up to nine devices.

8. The card design I see in my Wallet app is different from my plastic card. Why?

We have a default images for all ATB payment cards loaded into Apple Pay. If you want to update your card image, give us a call at 1-888-282-5678 and we can update it for you.

9. How do I make my ATB payment card my default card in Apple Pay?

The first card you add to Apple Pay will automatically be your default payment card. To change your default card:

On an iPhone: Open the main Settings app on the device, then go to Wallet & Apple Pay, tap Default Card and then select the ATB payment card you want to make your default card.

On an iPad (for MasterCard only): follow the same instructions above outlined for an iPhone.

On an Apple Watch: Open the Apple Watch app on your iPhone, then go to Wallet & Apple Pay, tap Default Card and then select the ATB payment card you want to make your default card.

10. Can I make a purchase using a card other than my default card?

You definitely can. On an iPhone, open the Wallet app. Tap your stack of payment cards and select the one you'd like to use. Then you’re ready to go make your payment with your thumb on Touch ID.

On an Apple Watch, double-click the side button. You’ll see your default card. To change cards, swipe left or right.

To use another card for a purchase within an app: Tap the Apple Pay button, tap Card & Billing, then select the card you'd like to use to make your payment.

11. What account will my Apple Pay Interac® Debit transactions be charged to?

They’ll be charged to whatever account is charged when you tap your debit card. If you’re not sure what account this is or want to change the account, call us at 1-888-282-5678.

12. How do I remove a card from my Wallet app?

Bring up the card in the Wallet app, tap on the information icon, and then tap Remove Card located at the bottom of the page. You can also access the Remove Card function through the Settings app on your device.

To remove a card using the Watch app on your iPhone, open the app, tap the My Watch tab, scroll down, and tap Wallet & Apple Pay. Tap the card, then tap Remove.

To remove a card from your Apple Watch, tap Wallet on the Home screen. Then go to your card, press it firmly, and tap Delete.

If you need help removing an ATB payment card, call us and we can remove it for you.

  • To remove a ATB MasterCard call us at 1-888-282-5678 
  • To remove an ATB Interac® Debit card call us at 1-800-332-8383

13. Where can I use Apple Pay?

You can use Apple Pay in stores that accept contactless payments. Look for the Apple Pay or “tap” icons on the reader.

Because Apple Pay is relatively new to Canada, some stores might have the contactless symbol on their card readers but they might not be set up to accept Apple Pay. As mobile wallet becomes more common, more and more stores will accept Apple Pay.

You can also use Apple Pay within apps when you see the "Buy with Apple Pay" or "Apple Pay" button as a payment method.

*Note: Apple Pay Interac® Debit does not work for online or in-app payments at this time.

14. How do I use Apple Pay to pay in a store?

It’s really easy. With a compatible iPhone, simply hold the device near the contactless reader. Your device will “wake up” and prompt you to place your thumb on Touch ID. Your fingerprint authorizes the payment to your default card. You’ll see a “Done” message when the payment is complete.

Alternatively, you can disable Touch ID and use your passcode for Apple Pay. To disable Touch ID, click on "Settings", choose "Touch ID and Passcode", and then enter your passcode. Where it says "Apple Pay", toggle the switch to "off". Your device will now require a password to use Apple Pay.

With Apple Watch, all you need to do is double-click the side button, then turn your wrist so Apple Watch faces the contactless reader. A gentle tap and beep will confirm your payment was sent.

15. Is there a limit to how much I can charge in an Apple Pay transaction?

On MasterCard the standard limit is $100 per transaction, but some merchants may choose to allow a higher limit. If your purchase is higher than the limit, you’ll have to use your plastic payment card and enter your PIN.

Using your Interac® Debit card the only limit that currently applies to transactions is your daily point of sale (POS) purchase limit.  If the purchase is higher than the POS limit, you’ll need to call ATB to increase the limit.

16. How can I see recent transactions in Apple Pay?

Open the Wallet app and select the payment card you’d like to view transactions for. You'll see the last Apple Pay transaction for that card. To see the last 10 transactions, select information icon.

Please note that refunds, as well as purchases completed with your plastic card, don’t show up within the Wallet app. Check ATB Online, ATB Online Business or your MasterCard statement to verify these transactions.

17. How do I return an item I bought using Apple Pay in a store?

The receipt for your Apple Pay purchase will reference your device account number (not your actual payment card number). The cashier may need to check your device account number to make sure it matches the same number used for the purchase. To see your Device Account Number, open the applicable payment card in Wallet and press on the information icon.

To conduct the refund, follow the same steps as a purchase: make sure your Wallet app features the correct card, and hold your device near the reader, and use Touch ID to authenticate the refund. You’ll see a “Done” message on the payment terminal.

Please note that refund transactions aren’t displayed in your Wallet app. Keep your receipt and check ATB Online, ATB Online Business or your MasterCard statement to verify that the refund has been posted back to your account.

18. My Apple Pay transaction was denied at a store that has contactless payments. Why?

Start by giving ATB a call and we’ll check the status of your account.

  • For ATB MasterCard account inquiries call us at 1-888-282-5678 
  • For ATB Interac® Debit card inquiries call us at 1-800-332-8383

If that information looks good, then the issue is with the merchant. Some of the common merchant issues are:

  • The payment terminal accepts contactless payments, but Apple Pay is not enabled.
  • The merchant entered the payment as debit instead of credit.

19. I’m a merchant. How can I accept Apple Pay in my store?

For starters, you need a POS system capable of contactless payments. If you have this and you’re an ATB client, call Moneris’ dedicated ATB customer help desk at 1-866-433-5204 to confirm you can accept Apple Pay payments.

Not an ATB Merchant Solutions customer? We can fix that. Fill out this form and an Alberta-based merchant services expert will get back to you within one business day.

For more general Apple Pay information for merchants, see Apple Support.

20. I’m working on an app. How can I accept Apple Pay within my app?

Great idea. Start by reviewing Apple’s process, tips and guidelines here for app developers. If you need support on the banking end, fill out this form and an Alberta-based merchant services expert will get back to you within one business day.

21. How does Apple Pay keep my information private?

Lots of ways:

  • Your card numbers are never stored on your device or on Apple servers.
  • When you pay in stores, neither Apple nor your device sends your card numbers to merchants.
  • When you pay within apps, the merchant will receive only information like your name, email address and billing/shipping address.
  • Apple Pay retains anonymous transaction information, like the approximate purchase amount.

Click here to learn more about Apple Pay security.

22. Could I pay for something by accident with Apple Pay?

No. With Apple Pay, you need to authenticate all transactions with Touch ID (your fingerprint) or your device passcode, and your Device Account Number is shared for only a small window of time after you’ve authenticated. Also, you’ll receive a push notification when your card is charged, so you will know if and when a payment has gone through.

23. What should I do if my Apple device is lost or stolen?

Don’t worry: your information is safe. You have a few options for how to proceed:

  1. If you turned on Find My iPhone for the lost device, you can suspend or remove Apple Pay remotely. Rather than immediately cancelling your cards, place your device in Lost Mode using Find My iPhone. This will suspend Apple Pay. Or use Find My iPhone to erase the device. This will permanently remove the ability to pay with Apple Pay.
  2. On any iPhone, iPad or Apple Watch, update iCloud settings to remove ability to pay with Apple Pay. Go to iCloud.com/Settings to update your payment options.

24. What if my plastic payment card is lost or stolen, but I still have my device?

Call ATB as soon as you discover your card is missing. The sooner you call us, the sooner we can cancel your card so nobody can use it fraudulently. We’ll also suspend your card from mobile wallet payments until you receive your replacement card.

  • If you’ve lost your ATB MasterCard call us at 1-888-282-5678 
  • If you’ve lost your ATB Interac® Debit card call us at 1-800-332-8383

When you receive your replacement card, call one of the two numbers above, and we’ll link this new card to your device. This will save you from having to re-add the card to your Wallet app.

24. I’m working on an app. How can I accept Apple Pay within my app?

Great idea. Start by reviewing Apple’s process, tips and guidelines here for app developers. If you need support on the banking end, fill out this form and an Alberta-based merchant services expert will get back to you within one business day.

25. My ATB MasterCard expired and I received a new card. Will Apple Pay still work?

Absolutely! Your new MasterCard expiry date will be updated automatically in your Wallet app.

26. I want to sell or replace my Apple device. What do I need to do to keep my Wallet information secure?

Make sure you remove your ATB payment card from Wallet before you sell or replace your device. To do this, follow the instructions in question 11.

For more details on how to prepare your device for sale or transfer, check out this Apple article.

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