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Apple Pay®

Add your debit card or credit card to Apple Pay and easily pay for your purchases with your iPhone® or Apple Watch®

Get started with Apple Pay

What you'll need to use Apple Pay:

  • An eligible iPhone or Apple Watch: Apple Pay works on the iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone SE, Apple Watch Series 2, and any Apple Watch paired with iPhone 5 or later.
  • Your physical debit card
  • Our SCU mobile app
  • Apple Wallet 

Add a card to Apple Pay

Adding a debit card to your iPhone:

  1.     Open the Wallet app
  2.     Tap the plus sign in the upper right corner
  3.     Follow the onscreen instructions to add your debit card

Adding a debit card to your Apple Watch:

  1. Open the Apple Watch app on your iPhone
  2. Tap the plus sign in the upper right corner
  3. Follow the onscreen instructions to add your debit card

Looking to add your Collabria® credit card? Visit our partner site:

Using Apple Pay

iPhone: Hold your iPhone to the payment terminal with your finger on the home button. A beep and vibration will confirm your payment information has been sent.

Apple Watch: Hold the watch to the payment terminal and double click the side button. A tap and a beep will confirm your payment. Apple Pay transactions will show a tick mark with a "Done" message whether the transaction is successful or declined.

View the full terms and conditions.

Everyday purchases made easy

Simply add your debit or credit card to your mobile wallet and pay with your phone.

Explore our mobile wallet products

Apple Pay Frequently Asked Questions (FAQs)

Is Apple Pay free?
Yes, there are no fees to use or register your card with Apple Pay. Each transaction in Apple Pay will count as an additional transaction, if you pay transaction fees for your account. Your wireless carrier may charge additional fees for data usage.
Which SCU cards can I use with Apple Pay?
SCU debit cards are currently available for Apple Pay. At this time, Apple Pay is available only for our personal members.
How many devices can I add my card to?
There is no maximum number of devices to which you can add your debit card for Apple Pay. However, you are responsible for verifying the validity of the debit card on that device, and for any charges made with the card to the account — unless there has been a fraud.
Apple Wallet is asking for my debit card expiration date but my SCU debit card doesn't have one.
If you still have our old version of our debit card, you may not have an expiration date on your card. Please call our Member Contact Centre at 1.800.728.6440 and we will be able to provide you with one.
How do I make my SCU debit card the default card in Apple Pay?

The first card added to Apple Pay is automatically set to be the default card. To change your default card, open the Wallet app, hold and drag your SCU card to the front. You may also:

  1. Open "Settings" and select "Wallet & Apple Pay"
  2. Select "Default Card" under "Transaction Defaults" and choose your SCU card.
On which devices will Apple Pay work?
Apple Pay works on the iPhone X, iPhone 8. iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone SE, Apple Watch Series 2, and any Apple Watch paired with iPhone 5 or later.
Which devices can I use for in-store payments?
Every eligible iPhone and Apple Watch can make in-store payments.
Does Apple Pay work internationally?
Apple Pay using your debit card works wherever INTERAC® Flash is accepted. At this point, INTERAC Flash is only accepted in Canada.
Do I need network access to make a purchase?
No. Your phone (powered and unlocked) has everything you need to complete a purchase at a retailer, whether or not you have network access at that time.

As with card purchases, you may not complete a purchase if the retailer's POS terminal is off-line or unavailable. You will need network access to receive transaction notifications from Apple.
Which merchants accept Apple Pay?
Apple Pay is accepted by many retailers, with more being added all the time. Just look for retailers that display the Apple Pay or contactless logo for in-store purchases:
To view a list, visit
Is there a maximum dollar amount for a purchase?
No, there is no maximum value for Apple Pay transactions, since each purchase is verified within Apple Pay using Touch ID or passcode (as long as you do not exceed your debit card ATM and Point-of-Sale (POS) daily spending limit).
Am I subject to a daily spending limit?
SCU will continue to monitor your total spending limit across the payment services that access your account, including your debit card at retail locations, banking machines and now Apple Pay. Apple Pay purchases will be subject to this total limit, which helps protect you from unauthorized use or access to your account.
Is my account number stored on my phone?
No, your account number is replaced with a secure digital number known as a token. The token represents your debit card and is used to make secure purchases, both in-app and in-store.
How is Apple Pay secured?
Each Apple Pay transaction requires your authorization through TouchID or a passcode. Your card number is not shared with the merchant or saved on your iOS device, instead using a secure token to complete the purchase.
How do I do a refund?
Refunds are initiated by the merchant at their POS terminal, following the same rules as refunds do today. It is recommended that you bring your physical card with you.
Why does the transaction history on my iPhone not include purchases made with my Watch?
Your phone displays transactions performed only with that device, since the virtual "card number" on your watch is different than the "card number" on your phone. This security feature helps us to manage situations when a device (either the watch or the phone) is lost, stolen, or upgraded.
What if my device is lost or stolen?
If you have any reason to believe your debit card details used for Apple Pay have been stolen or compromised, please call us at 1.800.728.6440. You can remove your card remotely using Apple's "Find my iPhone".
If I switch SCU cards, do I have to update Apple Pay?
Yes, please delete the previous card and add the new card as normal.
Can I remove my card from Apple Pay?
To remove a card from Apple Pay on an iPhone:
  1. Open your Wallet App and select the card you would like to remove
  2. Touch the information button in the bottom right corner (underneath recent transactions)
  3. Select "Remove Card"
To remove a card from Apple Pay on an Apple Watch:
  1. Open the Apple Watch App and select "My Watch"
  2. Tap on "Passbook & Apple Pay"
  3. Select the card you would like to remove and tap "Remove Card"
I'm having trouble with Apple Pay. Who do I contact?
If you are having difficulty with Apple Pay, please call us at 1.800.728.6440 and we will be happy to assist you.

Apple Pay® is a trademark of Apple Inc., registered in the U.S. and other countries.
iPhone® and Apple Watch® are registered trademarks of Apple Inc.
®Interac, the Interac logo and Interac Flash are trademarks of Interac Corp. Used under licence

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