X
America's Christian CU
America's Christian Credit Union
Digital Wallet
Apple Pay® | Google Pay® | Samsung Pay® | Microsoft® Edge
Apple Pay®

Setup is simple.

Apple Wallet already stores your boarding passes, tickets, coupons, and more. Now it can store your credit and debit cards, too. To get started, you can add the credit or debit card from your iTunes account to the Wallet app by simply entering the card security code.

More secure payments.

Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Apple Pay®, instead of using your actual credit and debit card numbers, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in the iPhone, iPad, and Apple Watch. These numbers are never stored on Apple® servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple® with merchants or transmitted with payment.

Keep your purchases private.

Apple® doesn’t save your transaction information. With Apple Pay®, your payments are private. Apple Pay® doesn’t store the details of your transactions so they can’t be tied back to you. Your most recent purchases are kept in the Wallet app for your convenience, but that’s as far as it goes.

Keep your cards in your wallet. Since you don’t have to show your credit or debit card, you never reveal your name, card number, or security code to the cashier when you pay in a store. This additional layer of privacy helps ensure that your information stays where it belongs. With you.

How Apple Pay® Works

To use Apple Pay® in stores:

  1. Look for the contactless and Apple Pay® symbol at the register or the Apple Pay® logo
  2. Hold your iPhone near the contactless reader with your finger on Touch ID™
  3. Keep your phone by the contactless reader until it vibrates and beeps indicating your payment was accepted

Please keep in mind the following about Apple Pay®:

  • For security purposes, Apple Pay® uses a Device Account Number which is a unique number assigned to each card
  • Making payments with Apple Pay® is easy. The entire transaction is secure, as your credit and debit card numbers aren’t stored on the device or on Apple’s® server, so they’re never shared with the merchant. And, if your iPhone is ever lost or stolen, just use the “Find My iPhone” feature.
  • In participating apps, checking out is as easy as selecting Apple Pay® and placing your finger on Touch ID™.

Apple Pay® FAQ

What is Apple Pay®?

Apple Pay® allows you to pay for your purchases with your iPhone by holding your phone near a contactless reader at participating merchants. You can also use your iPad to pay within certain apps.

How do I add my cards to Apple Pay®?

Click here for instructions.

When I add my card to Apple Pay® it doesn’t look like the card in my wallet. Why?

Apple Pay® uses a graphical representation, not an exact replica of your card.

When I use the camera to add the card, the card details are not showing correctly. What do I do?

In the event your card detail cannot be captured by your phone through your camera, proceed with entering in all of the required fields manually. This will also process and add your card normally into Apple Pay®.

How do I change my default card to my card?

The credit or debit card associated with your iTunes® account or the first card you add to Passbook is your default card. To change your default card:

  1. Go to Settings > Wallet & Apple Pay®
  2. Tap Default Card
  3. Choose a new card

How do I pay with a card other than my default card?

  1. Position your iPhone close to the contactless reader without placing your finger on Touch ID®. After your iPhone wakes up, your default card will appear on your screen.
  2. Tap your default card to display a list of available cards, then tap the card you want to use.
  3. Position your finger on the Touch ID sensor, and hold your iPhone close to the reader to complete your transaction. Some stores may also ask you to sign a receipt, depending on the transaction amount.

Are my payments safe with Apple Pay®?

Yes. When you use Apple Pay®, your card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

How are my privacy and personal information protected?

Since Apple Pay® doesn’t store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

Am I able to opt out of Apple Pay® at any time?

Adding your credit or debit cards to Apple Pay® is your choice; you can add and remove cards when needed. To remove a card, go to Apple Pay®, tap on the card, tap the “i”, then tap Remove card.

Which merchants are participating?

You can use Apple Pay® at thousands of merchant locations, including Bloomingdale’s®, McDonald’s®, Macy’s®, Nike®, DuaneReade™ and Staples®. You can also look for the contactless terminal logo and/or Apple Pay® logo at participating merchants

Can I use Apple Pay® internationally?

Yes. Apple Pay® will work on contactless terminals for international payments.

What if my phone gets lost or stolen?

Apple’s Find My iPhone website lets you suspend its ability to make payments. Or you can contact your credit union, who can suspend Apple Pay® for your credit union card. In any case, without your thumbprint or card information, a thief should not be able to use your phone to make purchases.

What if my card is lost or stolen?

Contact your credit union as soon as possible. Once you receive your replacement card you can add your new card to Apple Pay®.

How do I return an item?

The merchant can process the return like any other return. To see the last four digits used by Apple Pay®, go to the Wallet app, tap the card, and tap “i” to find “device number.” Some merchants may need to “see” the card. You would follow the same steps you used when making the purchase.

When paying in a store, if the merchant terminal asks me to choose Debit or Credit, which should I choose?

If you choose Debit, you will be required to enter your PIN, which some backend systems may not be able to process yet. Choosing Credit will give you the most consistent experience.

How do I get Apple Pay® push notifications on transactions?

This is a setting on your device. Go to Settings > Privacy > Location Services, select the Wallet app and choose “While Using.”

Is Apple Pay® free?

Yes. Be aware that message and data rates may apply, depending on your data plan.

What do I need to get started with Apple Pay®?

You will need the following:

  • iPhone or iPad
  • Software version iOS 8.1 or later
  • Touch ID™ or passcode on your device
  • iCloud® account

Where can I get more information on Apple Pay®?

More information is available here.

Google Pay®

Setup is simple.

Google Pay® lets you carry your favorite cards on your devices so you can pay in-store or in-app while you’re on the go. To get started, you can add the credit or debit card from ACCU into the Google Pay® app.

More secure payments.

Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Google Pay®, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in an Android® device. These numbers are never stored on Android® servers. And when you make a purchase, the Device Account Number and a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Android® with merchants or transmitted with payment.

Keep your purchases private.

Android® doesn’t save your transaction information. With Google Pay® all your payments are private. Google Pay® doesn’t store the details of your transactions so they can’t be tied back to you.

Keep your cards in your wallet. Since you don’t have to show your credit or debit card, you never reveal your name, card number, or security code to the cashier when you pay in a store. This additional layer of privacy helps ensure that your information stays where it belongs. With you.

How Google Pay® Works

Please keep in mind the following about Google Pay®:

  • For security purposes, Google Pay® uses a Device Account Number which is a unique number assigned to each card
  • Making payments with Google Pay® is easy. The entire transaction is secure, as your credit and debit card numbers aren’t stored on the device or on Android® servers, so they’re never shared with the merchant.
  • In participating apps, checking out is as easy as selecting Google Pay® and placing your finger on the Home key.

Samsung Pay®

Setup is simple.

Samsung Pay® lets you carry your favorite cards on your devices so you can pay in-store or in-app while you’re on the go. To get started, you can add the credit or debit card from ACCU into the Samsung Pay® app.

More secure payments.

Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Samsung Pay®, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in Samsung® device. These numbers are never stored on Samsung servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Samsung with merchants or transmitted with payment.

Keep your purchases private.

Samsung® doesn’t save your transaction information. With Samsung Pay®, your payments are private. Samsung Pay® doesn’t store the details of your transactions so they can’t be tied back to you.

Keep your cards in your wallet. Since you don’t have to show your credit or debit card, you never reveal your name, card number, or security code to the cashier when you pay in a store. This additional layer of privacy helps ensure that your information stays where it belongs. With you.

How Samsung Pay® Works

To use Samsung Pay® in stores:

  1. Look for the contactless and Samsung Pay® symbol at the register Samsung Pay® Logos
  2. Hold your device near the contactless reader with your finger on Home button. To use your Samsung Pay® PIN, touch PIN. Then, enter your four-digit PIN.
  3. Keep your device by the contactless reader until it vibrates and beeps indicating your payment was accepted

Please keep in mind the following about Samsung Pay®:

  • For security purposes, Samsung Pay® uses a Device Account Number which is a unique number assigned to each card
  • Making payments with Samsung Pay® is easy. The entire transaction is secure, as your credit and debit card numbers aren’t stored on the device or on Samsung’s® server, so they’re never shared with the merchant.
  • In participating apps, checking out is as easy as selecting Samsung Pay® and placing your finger on the Home button.

Microsoft® Edge

Microsoft Edge® lets you store your favorite cards on your Microsoft® devices so you can pay without needing to grab your debit or credit card.
To get started, you can add the credit or debit card from ACCU to your Microsoft® Edge browser.