Having trouble getting started?

About Apple Pay

Using Apple Pay

Managing your card

Secure Payments

Merchants

Having trouble getting started?

How do I set up Apple Pay ?

To set up Apple Pay you will need to have Touch ID or a passcode on your device and be signed in to an iCloud account. Note: You will also need an internet connection to set up Apple Pay.

Check your mobile number. When you add an ANZ card to Apple Pay, for security purposes we may send you an SMS to your registered mobile number. Check that your registered mobile number is up to date so you can receive it.

Now add your card to Apple Pay:

On iPhone and iPad:

  1. Open the Wallet app or if using your iPad go into Settings and tap 'Wallet & Apple Pay'. Tap the plus sign in the upper right corner.
  2. To add a new ANZ card, use your device's camera to capture your card's information. You can also enter your card details manually. Next, you may need to enter your card's security code.
  3. Tap next, and read and agree to the ANZ with Apple Pay Terms and Conditions.
  4. For security purposes we may ask you to call us; or we may send you a verification code via SMS.

Note:

On iPhone with ANZ goMoney:

You will need ANZ goMoney® for iPhone version 3.4.0 and running on iOS 9 and above.

  1. Log in to ANZ goMoney and tap More on the bottom right hand corner.
  2. Tap Manage Cards and select the Add to Apple Wallet button underneath your eligible ANZ card to add Apple Pay. You can swipe left and right to view your ANZ accounts with your linked ANZ card/s.
  3. Tap next. You can select to add your card to your Apple Watch if it is paired with your compatible iOS device.
  4. Tap next and check your ANZ card details are correct.
  5. Read and agree to the ANZ with Apple Pay Terms and Conditions.
  6. For security purposes we may ask you to call us; or we may send you a verification code via SMS.

Note: It is currently not possible to add an ANZ Access card to Apple Pay from ANZ goMoney.

On Apple Watch:

  1. You will need to pair your compatible iPhone device with your watch. Compatible iPhones for Apple Watch include iPhone 5 and above. Note: You'll need to add your cards to Apple Watch even if you have already set up Apple Pay on your iPhone or iPad.
  2. Open the Apple Watch app on your iPhone.
  3. Tap 'Wallet & Apple Pay' and select 'Add Credit or Debit Card' and tap next.
  4. Tap next, and read and agree to the ANZ with Apple Pay Terms and Conditions.
  5. For security purposes we may ask you to call us or send you a verification code via SMS.
    Note: Do not add your card to someone else's device. Learn more about adding a card to your device.

About Apple Pay

What is Apple Pay?

Apple Pay lets you use your compatible iPhone, iPad, Apple Watch and Mac to securely pay with your eligible ANZ cards in store, within apps and on the web with Safari.

Which devices can I use Apple Pay with?

You can add your eligible ANZ card to the following Apple devices:

You'll need iOS 9 or later for iPhone in store and in app purchases and watchOS 2 or later for Apple Watch in store purchases and iOS 9 or later for iPad in app purchases. You’ll need iOS 10 or later for purchases on the web with Safari and watchOS 3 or later for Apple Watch in app purchases. For web payments (Safari only) through your Mac, you’ll need macOS Sierra.

Note: ANZ Access card with Apple Pay is currently not available for payments within apps or on the web purchases with Safari.

 

Which ANZ cards will Apple Pay work with?

Apple Pay supports the following ANZ credit and debit cards:

ANZ Access card*
ANZ Access Visa Debit
ANZ Balance Visa
ANZ Business Visa Debit
ANZ Business One
ANZ Business One Black
ANZ First
ANZ First Low Interest
ANZ Frequent Flyer Gold
ANZ Frequent Flyer Visa
ANZ Frequent Flyer Visa Black
ANZ Frequent Flyer Visa Black (Private Bank)
ANZ Frequent Flyer Visa Platinum
ANZ Frequent Flyer Visa Platinum (Private Bank)
ANZ Low Rate MasterCard®
ANZ Low Rate Platinum MasterCard®
ANZ Platinum
ANZ Rewards Visa
ANZ Rewards Visa Black
ANZ Rewards Visa Paycard
ANZ Rewards Visa Platinum
ANZ Visa Paycard

Note: ANZ Access card with Apple Pay is currently not available for payments within apps, on the web with Safari or for use overseas

Can I add more than one card to Apple Pay?

Yes, you can add up to eight cards to Apple Pay on each device.

How much will Apple Pay cost?

There is no additional fee for using Apple Pay.

Where can I find out more information about Apple Pay?

You can read more about Apple Pay on the Apple Pay website. You can also provide your feedback.

Using Apple Pay

Where can I use Apple Pay?

You can pay with Apple Pay wherever you can make contactless payments using your eligible ANZ card, within apps and on the web with Safari when you see the Buy with Apple Pay button or Apple Pay as a payment method.

Which account will money come out of when using Apple Pay?

Paying with Apple Pay works in the same way as using the contactless functionality on your physical card.

When you add your ANZ Access card to Apple Pay with both a linked chequing account and a savings account, the card will be defaulted to 'cheque' for payments with Apple Pay.

To change your default option on iPhone, open the Wallet app, tap on your ANZ Access card, then choose the new account.

To change your default option on Apple Watch, double-click the side button and select your ANZ Access card, tap and hold then select the new account.

Note: ANZ Access card with Apple Pay is currently not available for payments within apps, on the web with Safari or for use overseas.

How do I pay in store using my iPhone?

To make a purchase in store, hold your iPhone up to the contactless payment terminal with your finger on Touch ID. If you do not have Touch ID enabled for your device, you can enter your device passcode instead.

Fingerprint recognition or passcode authorises the payment. The terminal will indicate if the transaction has been successful. Always refer to the terminal to confirm the payment. For transactions over $100, you may also be asked to enter a PIN on the terminal.

Note: Do not share your passcode or let anyone else, including family members, have their fingerprint registered to your device while your card is registered in Apple Pay.

If you experience unusual activity whilst using Apple Pay with your ANZ card please notify ANZ immediately on 13 13 14.

How do I pay in store with an Apple Watch?

When using Apple Watch you must enter your passcode when you put the watch on your wrist. To pay, double click the side button on your Apple Watch, select your ANZ card and hold the watch face near the contactless reader. The terminal will indicate if the transaction has been successful. Always refer to the terminal to confirm the payment. A brief vibration and a beep will confirm that your payment is successful. For transactions over $100, you may also be asked to enter a PIN on the terminal.

Note: Do not share your passcode with anyone else while your card is registered in Apple Pay.

If you experience unusual activity whilst using Apple Pay with your ANZ card please notify ANZ immediately on 13 13 14.

How do I pay within apps or on the web with Safari?

Look for the 'Apple Pay' icon during checkout. Simply tap the icon to review your payment information and confirm your contact details are correct; then use Touch ID or passcode or double click the side button on your Apple Watch to complete your purchase. The word 'Done' and a tick will appear on your screen when your payment is successful.

Using Bluetooth, you can select your iPhone or Apple Watch to authorise a web payment (Safari only) on your Mac. You will need to ensure all your devices have handoff enabled to ensure your Mac is able to discover them to complete a purchase.

Note:

If you experience unusual activity whilst using Apple Pay with your ANZ card please notify ANZ immediately on 13 13 14.

Do I need an internet connection to use Apple Pay to make purchases?

No, you don't need an internet connection to use Apple Pay in stores. Your device uses Near Field Communications (NFC) to communicate with the terminal.

Will Apple Pay work overseas?

For ANZ customers Apple Pay will work in all countries wherever contactless payments are accepted. We recommend you take your plastic card as a backup when travelling overseas.

Note: At this stage, you will not be able to use your ANZ Access card with Apple Pay overseas. Please consider taking your plastic cards with you while travelling overseas.

Can I use Apple Pay at contactless enabled ANZ ATMs, over the counter at the branch, or to withdraw cash in store?

No, at this stage Apple Pay will not work at contactless enabled ATMs, over the counter at the branch or to withdraw cash in store with purchases. You will need to use your physical cards to complete these transactions.

Do I still get reward points when I use Apple Pay?

Yes, you will continue to receive all of the same benefits, rewards, and security your eligible ANZ card offers when you pay with Apple Pay.

How do I return an item purchased with Apple Pay in store?

If you need to return a purchase made with Apple Pay, you may be asked to provide the last four digits of your Device Account number. To find them, 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 info symbol on the lower right hand corner and then scrolling down and view 'Device Account Number'.

Managing your card

Can I view transactions in Apple Pay?

Yes, you can view your last transaction made using Apple Pay when tapping on your card in the Wallet app. The last 10 transactions made with your device can be viewed by tapping the transactions button.

For a full list of transactions made with your card log on to ANZ Internet Banking or download or open the ANZ goMoney® app1.

How do I change my default card for Apple Pay transactions?

The first card you add to Apple Pay will automatically become your default card. To change your default card for Apple Pay, simply open the Wallet app, tap and hold the card you wish to be default, drag it to the front of the stack, and release. You can also change your default card by selecting: Settings → Wallet & Apple Pay → Default Card → select new default card.

How do I remove a card?

You can remove your card from Apple Pay by selecting: Settings → Wallet & Apple Pay → Select Card → Remove Card. You can also remove it in the Wallet app by selecting the card and tapping on the info symbol on the lower right hand corner and then scrolling down and selecting Remove Card.

Note: If you remove your passcode or Touch ID or sign out of iCloud all credit and debit cards will be removed from your device.

I am a primary credit cardholder. Can I block an additional cardholder from using Apple Pay?

You can remove your card from Apple Pay by selecting: Settings → Wallet & Apple Pay → Select Card → Remove Card. You can also remove it in the Wallet app by selecting the card and tapping on the info symbol on the lower right hand corner and then scrolling down and selecting Remove Card.

Note: If you remove your passcode or Touch ID or sign out of iCloud all credit and debit cards will be removed from your device.

If I receive a reissued ANZ card, do I need to update my card information with Apple Pay?

Once you have activated your ANZ reissued card, your Apple Pay card list will automatically be updated with your new card details.

Can I use my ANZ Access card with linked accounts in Apple Pay?

Yes. If you have more than one linked account on your ANZ Access card, you will be able to select if you would like funds to be drawn from your linked 'savings' or 'cheque' account from within Apple Wallet.

When you add your ANZ Access card to Apple Pay with both a linked chequing account and a savings account, the card will be defaulted to Cheque for payments with Apple Pay.

To change your default option on iPhone, open the Wallet app, tap on your ANZ Access card, then choose the new account.

To change your default option on Apple Watch, double-click the side button and select your ANZ Access card, tap and hold then select the new account.

Note: ANZ Access card with Apple Pay is currently not available for payments within apps or on the web with Safari. You will also not be able to use your ANZ Access card with Apple Pay overseas.

If I close one of my accounts that is linked to the ANZ Access card, do I need to update my card information with Apple Pay?

Yes. If you close an account linked to your ANZ Access card, you will need to delete the card from the Wallet app and it set up again.

Can I  use Apple Pay if I report my card as lost or stolen?

If you currently use Apple Pay, when you call ANZ to report your physical card as lost or stolen, we will block that physical card. This will automatically suspend your card in the Wallet. If you have a consumer debit card, consumer credit card or business debit card, the Wallet will then be updated with your new card details and be available for use. Your device account number will remain the same.

If you haven’t already added your cards to Apple Pay, you can add your replaced cards to Apple Pay instantly from ANZ goMoney. If you have a commercial credit card, ANZ Paycard or ANZ Rewards Paycard you will need to activate your replacement card when it arrives in the mail. The Wallet will then be updated with your new card details and be available for use.

Secure Payments

Is Apple Pay secure?

Using your ANZ cards with Apple Pay is secure:

Learn more about Apple Pay and its security.

Do I need to use my card PIN with Apple Pay?

In some cases, for transactions over $100 you may be prompted to enter your card PIN when using Apple Pay in store.

What happens if my Apple device is lost or stolen?

If your device is lost or stolen, you can easily suspend or permanently remove the ability to pay from your device with Apple Pay using 'Find My iPhone' or your iCloud account. Cards will be suspended or removed from Apple Pay even if a device is offline and not connected to a cellular or Wi-Fi network.

If you subsequently find your device and take it out of 'Lost Mode' by entering your Apple ID, your Apple Pay Card(s) will automatically resume in the Wallet app.

If you purchase a new device then you will need to set your cards up in the Apple Pay Wallet again.

Alternatively, call us right away on 13 13 14 and we'll suspend or delete your cards in the Wallet. We're available24/7. 

Merchants

How do I start accepting Apple Pay payments in my store?

If you accept contactless payments today, you're likely to be able to accept Apple Pay payments.

If you're not already accepting contactless or would like to accept in app payments, contact the ANZ Merchant Sales team on 1800 086 325 to find out more.

Are there additional fees to accept Apple Pay payments?

There are no additional fees to accept Apple Pay.

Are Apple Pay payments charged as card present or card not present?

Payments made using Apple Pay in stores are card present transactions. Payments made using Apple Pay within apps are card not present transactions.

How can I let my customers know they can pay with Apple Pay?

The Apple Pay payment mark can be used in websites, emails, online display ads, terminals, digital displays, and in-store to let your customers know that you accept Apple Pay.

The Apple Pay digital payment mark artwork and guidelines for usage can be downloaded on the Apple Pay website.

How do customers authorise a payment?

When a customer makes a payment, they will authorise the payment via Touch ID, their device passcode or their card PIN. The terminal will indicate if the transaction has been successful.

Will customers need to enter a PIN when paying with Apple Pay?

In some cases, for transactions over $100 customers in Australia may need to enter their card PIN when using Apple Pay in store.

What is a Device Account Number and will it show on the receipt?

Instead of using a card number, Apple Pay assigns a unique Device Account Number (Token). When a customer makes a purchase, this number, along with a transaction-specific code, is used to process the payment – meaning you will never see card details.

The last four digits of the Device Account Number will appear on customer receipts instead of the last four digits of the card number.

How do I process refunds with Apple Pay?

Refunds for an Apple Pay purchase are processed in a similar way to traditional refund.

Please note that it is important that refunds are processed on the same card as the original transaction.

You will need to obtain the Device Account Number to find the purchase and process the return.

To see the last four or five digits of the Device Account Number, ask the customer to go to Wallet, tap the card, and tap info on the lower-right corner of the display. You can also have the customer hold their iPhone or Apple Watch near the reader, select the card they used to make the original payment, and authorise the return with Touch ID or passcode.

What are Apple Pay in app or web payments (Safari only)?

Apple Pay provides an easy and secure way for customers with eligible ANZ credit and debit cards to pay for goods and services in your iOS app or website (Safari only) with a single touch without having to enter payment, billing and contact details.

Note: ANZ Access card with Apple Pay is currently not available for payments within apps or on the web with Safari.

How do I start accepting Apple Pay within my app or my website (Safari only)?

Visit ANZ Secure Gateway or call our ANZ Merchant Sales team on 1800 086 325 to find out more. Note: ANZ Access card with Apple Pay is currently not available for payments within apps or on the web with Safari.

How will the customer authenticate the transaction for an Apple Pay payment within an app or a website (Safari only)?

Customers will need to use Touch ID or a device passcode to verify all Apple Pay transactions. Using Bluetooth customers can authorise web payments (Safari only) on their Mac through their iPhone or Apple Watch. Customers will need to ensure their devices have handoff enabled to complete a purchase.

1. Terms and conditions apply to the use of ANZ goMoney®. A combined daily transaction limit of $1,000 applies to Pay to Mobile transactions. Recipients require an account with an Australian financial institution to receive or collect payments.

ANZ goMoney and goMoney are registered trademarks of ANZ.

™ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

Terms and conditions apply to the use of Apple Pay.

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

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.