Apple Pay - Frequently Asked Questions

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1 Apple Pay - Frequently Asked Questions What is Apple Pay? Apple Pay is a payments feature integrated into the Wallet app on your ios device that lets you add your Century Bank (CB) MasterCard Debit Card to Apple Pay to make purchases at participating retailers in stores, using Near Field Communication (NFC) technology, or within applications downloaded to your device. Sensitive payment account information found on payment cards, such as your card number, expiration date and three-digit security code, is replaced with a unique digital identifier, a token that can be used to process payments without exposing actual account information. How does Apple Pay work? Apple Pay is a contactless payment technology as well as a feature on the latest iphones and Apple Watch. It pulls your credit cards, debit cards, and other sensitivepayment data from the Wallet App, enabling you to use your Apple device as a mobile wallet at merchant checkouts. When you make a purchase, Apple Pay uses a devicespecific number and unique transaction code. So your card number is never stored on your device, and when you pay, your card numbers are never shared with the merchant. The transactions travel over the existing debit and credit card networks. Apple Pay provides the same benefits as your physical card, with the convenience of making secure transactions on your ios device. Use Apple Pay anywhere contactless payments are accepted and to make purchases within participating apps. For additional details, see the Apple Pay instructions. Which of my devices are compatible with Apple Pay? You can use Apple Pay in stores on your iphone 6, iphone 6S, iphone 6 Plus, iphone 6S Plus, and Apple Watch with compatible iphone 5 or later. Apple Pay can also be used in-app with your iphone 6, iphone 6S, iphone 6 Plus, iphone 6S Plus, ipad Air 2, ipad Pro, ipad mini 3, and ipad mini 4. You may also use Apple Pay on multiple devices that you own. How do I know which card is my default card? If you load your card to Apple Pay from your itunes account, this automatically becomes your default card; otherwise the first card you add automatically becomes your default payment card. To change your default card, go to Settings on your device,

2 then select Wallet & Apple Pay and you may then choose your default card. You can also go into the Wallet app at the time of purchase to select a different card. How do I get Apple Pay on my device? Apple Pay is integrated into the Wallet app, which comes pre-installed on your eligible iphone 6, iphone 6S, iphone 6 Plus, iphone 6S Plus, ipad Air 2, ipad Pro, ipad mini 3, and ipad mini 4. You will be given an opportunity to configure Apple Pay upon setup of your new device. If you already have established an itunes account, the debit card that is on file will be made available to you to immediately upon Apple Pay setup. You will have the ability to add additional eligible Century Bank debit cards by using the isight camera to instantly capture your card details or by entering them manually. Please note, Apple Pay on the Apple Watch will not be set up through Wallet. To add your CB MasterCard Debit Card to Apple Pay, follow the instructions from Apple support by clicking HERE. How does Apple Pay work? In-Store Purchase To make an in-store purchase with your iphone 6, iphone 6S, iphone 6 Plus, or iphone 6S Plus, just hold your device near the contactless reader with your finger while holding down Touch ID. A subtle vibration and beep will confirm the transaction is complete. To make an in-store purchase with your Apple Watch, double-click the side button and hold the face of your device near the contactless reader. A gentle pulse and tone confirm that the transaction is complete. In-App Purchase To make a purchase within an application already on your iphone 6, iphone 6S, iphone 6 Plus, iphone 6S Plus, ipad Air 2, ipad Pro, ipad mini 3, or ipad mini 4, select Apple Pay as the payment option in the app and place your finger on the Touch ID. Transaction History After you make a purchase using Apple Pay, you will receive an alert on your device containing transaction information. You are able to review recent transaction history associated with your payment cards activated within the mobile wallet using the i icon located at the bottom of the card image.

3 Is there a fee associated with using a Century Bank MasterCard Debit card with Apply Pay? There is no cost for Apple Pay from Century Bank; however, an active data plan is required. Based on your wireless plan and mobile carrier's offering, additional message and data charges may apply. Century Bank does not charge any fees to add your MasterCard Debit Card to Apple Pay. Can I use Apple Pay at an ATM? If the ATM Network you have chosen is Apple Pay enabled, yes. Can I use Apple Pay outside of the United States? As long as you're shopping at a participating retailer, Apple Pay will work outside of the U.S. Based on your wireless plan and mobile carrier's offering, additional message data charges and foreign transaction fees may apply. Can an Apple Pay token be used for recurring charges, subscriptions or bills (Netflix, Amazon Prime, etc.)? This service is not currently available. What is Near Field Communication (NFC) technology? Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Apple Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal. Can I lock Apple Pay? Apple Pay is locked when the device is locked. A device passcode or Touch ID is required per transaction in order to use Apple Pay. Is Apple Pay secure? Yes! Apple Pay protects your personal information, transaction data, and credit, debit, and prepaid card information with industry-leading security. Click here to learn more about Apple Pay security and privacy features.

4 Keeping your payment information secure To help ensure the security of Apple Pay, you must have a passcode set on your device and, optionally, Touch ID. You can use a simple passcode, or you can set a more complex passcode for even greater security. On Apple Watch, Wrist Detect must also be enabled. What is a device account number (token)? A device account number (token) is a substitute account number that replaces your card number in each transaction. This means that your actual account information isn t shared where you shop. Am I liable for unauthorized charges made with Apple Pay? You will not pay for any unauthorized transactions made with your Century Bank MasterCard Debit Card as long as they are reported promptly. Certain limitations may apply. Please see the Your Deposit Account: Regulations, Rules & Disclosures agreement, Electronic Funds Transfers section, given to you at account opening. If you do not have a copy of this, please contact us at to request another copy. What if my card is lost or stolen? If your card is lost or stolen, click on "Contact Century Bank" from your card in Apple Wallet or use the phone number on the back of your card to contact Century Bank immediately. We will help you replace your lost or stolen card. When you receive your replacement card from Century Bank, you will need to add the new card to your Apple device. What if my device is lost or stolen? If your device is lost or stolen, you can suspend Apple Pay by using the Find my iphone app or visiting and selecting the option for Lost Mode. You will also be given the option to Erase All on This will delete all cards from Apple Pay and the Secure Element. You should also call Century Bank, and we ll assist you with suspending the cards in Apple Pay, allowing you to continue to use your plastic cards. If you find your phone, you can unsuspend Apple Pay by following the prompts on your phone or via "Find my iphone app.

5 What happens when I replace or update my device? If you replace or update your device, you will need to add your card(s) again to Wallet as new Apple Pay setup. What happens when my card is replaced? Whether your card is replaced because it is lost or stolen, or if the card has expired, you will need to add the new card to your Apple device. How do I make returns with purchases I ve made using Apple Pay? You will first have to contact the merchant directly. To return something you bought with Apple Pay you'll need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, simply hold the back of your phone to the contactless payment terminal. For some returns, you might have to provide the last 4 digits of device number. You can find your device number on the card details screen in your Apple Pay app. Apple, the Apple logo, Apple Pay, iphone, ipad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.