Apple Pay

Getting Apple Pay

Am I eligible for Apple Pay?

Which iOS devices support Interac® Debit on Apple Pay?

Can I use my Conexus Credit Union Credit Card with Apple Pay?

General Questions

Which account should I use for Apple Pay?

What happens if my Member Card is lost or stolen and it’s in my Apple Wallet?

Paying with Apple Pay

How do I use Apple Pay?

Is there a maximum dollar amount for a purchase?

Am I subject to a daily spending limit?

Is there a cost to using Apple Pay?

How do I know when a purchase is complete?

Does Apple Pay work internationally?

Where can I pay with Apple Pay?

Will I have to sign a receipt or enter a PIN when paying with Apple Pay?

How do I view recent Apple Pay transactions?

Will I receive a notification for a declined transaction?

Deactivating/Card Removal

How do I remove a card from Apple Pay?

Will removing my card deactivate my plastic card?

Troubleshooting Apple Pay

Will the case on my phone interfere with making purchases?

What should I do if Apple Pay is not working with the POS terminal?

Do I need network access to make a purchase?

Security & Technology

How is Apple Pay secured?

What is NFC?

How do I know if a terminal accepts NFC?

How does the technology work?

How am I protected against fraud?

Managing Change - What if I...

Download a new version of Conexus Mobile App?

Upgrade my iOS?

Change my SIM?

Change my lock screen password?

Delete my card and then want to reactivate it?

Sell or upgrade my iOS device?

Change my default account for Interac® Flash purchases?

Receive an error, “Card Not Added – Contact your issuer”, message while adding a card?


Getting Apple Pay

Am I eligible for Apple Pay?

If you have a Conexus Credit Union Member Card and an eligible Apple device, then you can get Apple Pay! Apple Pay is available to consumers and small businesses.

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Which iOS devices support Interac® Debit on Apple Pay?

Apple Pay is supported on the iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE, Apple Watch Series 2 and any Apple Watch paired with iPhone 5 or later.

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Can I use my Conexus Credit Union Credit Card with Apple Pay?

Apple Pay is being launched first with Member Card, allowing you to make everyday purchases directly from your Conexus Credit Union account.  We know that some Conexus Credit Union Members prefer to pay with Conexus Credit Union Credit Card, and are working towards supporting this option soon!


General Questions

Which account should I use for Apple Pay?

If you are activating a Member Card that you use today to make purchases using Interac® Debit, Apple Pay will use the same default account (CHQ/SVG) that you use for Interac® Flash purchases.  

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What happens if my Member Card is lost or stolen and it’s in my Apple Wallet?

Call us at 1.888.667.7477 to report your Member Card as lost or stolen.

You can also use the Find my iPhone app on another Apple device to temporarily or permanently suspend your card from Apple Pay.

You can also remove your card from Apple Pay:
  • Go to Settings, and select Wallet & Apple Pay
  • Select a card and tap Remove Card
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Paying with Apple Pay

How do I use Apple Pay?

If you’re using an iPhone, hold it up to the payment terminal with your finger on the home button.  You’ll see “Done” on the display, along with a subtle vibration and beep, letting you know your payment information was sent.  The display will let you know when the payment is approved.

For Apple Watch, hold the watch screen to the payment terminal and double click the side button. A tap and a beep will confirm your payment.

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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.  

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Am I subject to a daily spending limit?

Conexus Credit Union will continue to monitor your total spending limit across the payment services that access your account, including your Conexus Credit Union Member 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.  

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Is there a cost to using Apple Pay?

No.  Apple Pay is included as part of your Conexus Credit Union account.  Each Apple Pay payment will count as an additional transaction, if you pay transaction fees for your account.  Please contact Conexus Credit Union anytime to discuss the right account package for you.

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How do I know when a purchase is complete?

If you’re using an iPhone a vibration will confirm your payment information has been sent. For an Apple Watch a tap and a beep with confirm your payment.

Apple Pay transactions will show a tick mark with a “Done” message whether the transaction is successful or declined.

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Does Apple Pay work internationally?

Apple Pay using your Conexus Credit Union Member Card works wherever Interac® Flash is accepted.  At this point, Interac® Flash is only accepted in Canada.

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Where can I pay with Apple Pay?

You will know that a terminal is capable of reading NFC if it has the label to the right, which looks a bit like the Wifi symbol. To use your Conexus Credit Union Member Card on Apple Pay, the retailer’s device requires the correct software to accept Interac® Flash, and usually displays the Interac® Flash logo.

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Will I have to sign a receipt or enter a PIN when paying with Apple Pay?

No, Apple Pay purchases are approved using Touch ID.

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How do I view recent Apple Pay transactions?

To view your most recent Apple Pay transactions, open the Wallet app and select the card you want to view the transactions for.  You may see all your transaction in your Conexus Credit Union App or online at Back to top
Will I receive a notification for a declined transaction?

Yes, you will get notifications for both declined and successful transactions.

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Deactivating / Card Removal

How do I remove a 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”

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Will removing my card deactivate my plastic card?

No, removing add or removing your card from Apple Pay will have no effect on your plastic card.

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Troubleshooting Apple Pay

Will the case on my phone interfere with making purchases?

Apple Pay transactions use technology within the phone to communicate with the POS terminal and complete the purchase.  The Apple Pay signal is a magnetic field created by a small antenna – and interacts with a similar antenna on the POS reader.  Depending on the thickness and material of the phone’s case, there could be interference - resulting in inconsistent usage of Apple Pay.

By re-positioning the phone on the terminal, and waiting up to a few seconds for the devices to communicate with one another, you should be able to successfully complete a purchase.  For some thicker phone cases, you may need to remove the phone’s case to complete a purchase.

The antenna (an inductor actually!) is powered by NFC technology, which is further explained in the section on technology below.

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What should I do if Apple Pay is not working with the POS terminal?

Apple Pay should work at all retailers that accept Interac® Flash.  Depending on the location of the signal from the phone and the case that you are using, you may need to either remove your case or re-position your phone on the POS terminal.  And because POS terminals may be slightly different themselves, you may find that this experience varies a bit from retailer to retailer.  If you are having difficulties, ask your retailer if they accept Interac® Debit on Apple Pay.

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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.  

You will need network access to receive transaction notifications from Apple.

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Security & Technology

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.

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What is NFC?

NFC stands for Near Field Communication, which is a contactless proximity technology.  NFC uses the same technical standards as plastic cards (such as Interac® Flash or MasterCard PayPass), which allows you to tap your card to complete transactions.  It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm.  In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

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How do I know if a terminal accepts NFC?

You will know that a terminal is capable of reading NFC if it has the label to the right, which looks a bit like the Wifi symbol. For Interac® Debit on Apple Pay you will also need to ensure that the reader has the correct software to accept Interac® Flash.

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How does the technology work?

When you register a card with Apple Pay, the card is assigned a digital identification number, which is encrypted and verified by Apple and Interac – and protects your payment information.

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How am I protected against fraud?

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.

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Managing Change - What If I....

Download a new version of Conexus Mobile App?

Apple Pay should not be affected by updating your Conexus Credit Union App.

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Upgrade my iOS?

Apple Pay should not be affected by updating your iOS.

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Change my SIM?

Apple Pay should not be affected when you change your SIM.  

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Change my lock screen password?

Apple Pay should not be affected when you change your lock screen password.  

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Delete my card and then want to reactivate it?

You can add any cards you previously deleted as normal.

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Sell or upgrade my iOS device?

Before you sell your iOS device, you must delete your card from Apple Pay.  You must also delete the Conexus Credit Union App from the phone.  You may optionally contact Conexus Credit Union to ensure that your card has been fully deleted from Apple Pay.  

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Get a new debit or credit card?

If you get a new debit or credit card you must remove the previous card from Apple Pay and add the new card.

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Receive an error, “Card Not Added – Contact your issuer”, message while adding a card?

Your Conexus Credit Union Member Card is closed and therefor cannot be used.

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