Apple Pay FAQs

man using Apple Pay

Apple Pay

The easy, secure and private way to pay.

Mobile Wallet FAQs

 

How do I set my Waukesha State Bank card as my default card to pay?

Apple Pay® and Google Pay allow you to set a default card. 

In Apple Pay, the first card you add to Wallet is your default card. If you add more cards and want to change the default card:

  1. Go to the Wallet & Apple Pay app located in your iPhone settings.
  2. Tap Default Card.
  3. Then choose the appropriate card.

In Google Pay, the first card you add to Wallet is your default card. If you add more cards and want to change the default card:

  1. Open the Google Pay app.
  2. On the bottom, tap Payment.
  3. Tap the payment method you want to make your default.
  4. Turn on Default for in-store purchases.

Samsung Pay does not have a default card option. The last card that you used will automatically display, however, you can easily toggle between cards when making a payment by swiping up to access your payment cards, and then swiping left or right to select a different card.

 

Why am I being prompted to call my bank for verification?

For security purposes, you may be asked to call the bank if we need more information in order to verify your card. If you are unable to activate your Waukesha State Bank card, please contact us to help you add your card to the mobile wallet app.

 

Can I use a card other than my default card to make a purchase?

Yes. To select a different card to make a purchase, see the instruction below.

Apple Pay users:

  • iPhone X:
    • Double-click the side button.
    • When your default card appears, tap it, then tap to choose another card.
    • Glance at your iPhone X to authenticate with Face ID, then hold the top of your device near the reader to pay.
  • iPhone 8 or earlier:
    • Hold your device near the reader without resting your finger on Touch ID.
    • When your default card appears, tap it, then tap to choose another card.
    • Rest your finger on Touch ID to pay.
  • Apple Watch:
    • Double-click the side button.
    • When your default card appears, swipe left or right to choose another card.
    • Hold your watch near the reader to pay.
Google Pay users:
  • Open the Google Pay app.
  • At the top, on your card, swipe left until you find the card you want to use.
  • Hold the back of your phone against the payment terminal.
  • If prompted, choose "Credit," no matter your type of card.
  • For debit card transactions, you might have to enter your PIN.
Samsung Pay users:
  • You can easily toggle between cards when making a payment by swiping up to access your payment cards, and then swiping left or right to select a different card.

 

How is my information protected when using a mobile wallet?

Mobile wallets are safer than using a plastic credit, debit, or prepaid card. Every transaction on your device requires you to authenticate with a security feature, such as Face ID, Touch ID, your passcode or fingerprint. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device. 

When you pay in stores, neither the mobile wallet provider nor your device sends your actual card numbers to merchants. When you pay within apps and on the web, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Some mobile wallet providers may retain anonymous transaction information, such as approximate purchase amount. Apps that use mobile wallets must have a privacy policy that you can view, which governs the use of your data.

For more information, read your mobile wallet provider's policies, terms and conditions.

 

Are my mobile wallet purchases covered by Fraud Protection?

Yes, all transactions made with your debit card are covered by Mastercard® and all transactions made with your credit card are covered by Visa®, including those made through mobile wallets.

 

Will I be able to see my transactions on my phone?

Yes. Depending on the mobile wallet, you can see transactions on the home screen, tap your card to display your transactions, or tap the information icon or transactions tab. 

You may see only transactions made from your device, or all transactions made from your debit or credit card, including all mobile wallet devices and your plastic card. You may also see only an initial authorization amount. Always refer to your account or card statement for final transaction details, or contact our Customer Service Center at (262) 549-8500.

 

What if I need to return an item?

If you need to make a return for a purchase made with a mobile wallet, you may be asked to provide the cashier with the last four digits of your virtual or device account number, instead of the last few digits of your card number. This number can usually be found on the card details screen or in the settings of the mobile wallet app.

The return process varies by merchant. You may need to present a receipt from the merchant to return the item or hold your mobile wallet enabled device over the contactless payment terminal and wait for the confirmation that the refund has been processed, just as if you were making a purchase.

 

Is there a Fee or Charge for using Apple Pay?

Waukesha State Bank does not charge a fee for using mobile wallets. Please check your provider's Terms and Conditions for additional information.

 

If I receive a new debit or credit card, do I need to add it to my mobile wallet?

Yes, if your card number or expiration date has changed you will need to add the card to your phone just like you would any new card. Please delete the old card from the mobile wallet app.

 

What happens if I replace, update, or lose my device?

In most cases, if you replace or update your device, your Waukesha State Bank debit and/or credit card(s) will not be transferred automatically. You will need to set up the mobile wallet again and add your cards on the new device.

If your device is ever lost or stolen, call us immediately at (262) 549-8500. Apple Pay users can then go to www.icloud.com/settings on the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. Google Pay users can find, lock, or erase your phone using Find My Device. Samsung Pay users can go to Find My Mobile service to remotely lock or erase your payment cards.

Since these mobile wallets don't store your actual card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked. That means you can continue to make purchases using your physical card even when the virtual or digital number is suspended or removed.

 

Why does my card image in the mobile wallet look different from my physical card?

Your card image is only a digital representation of your physical card and may not be an exact copy.

 

Can I add my Waukesha State Bank debit and credit card(s) to multiple devices?

Yes, you can add your card to multiple devices.

 

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