Apple Pay

Apple Pay is a digital wallet that lets you pay for purchases in stores, online and in apps without having to use your physical card.

For a list of compatible Apple Pay devices, see the support page on the Apple website Opens an overlay [Will show a security message first].

Apple Pay can be used in stores wherever you see these symbols:

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to icloud.com/find Opens an overlay [Will show a security message first] or use the Find My iPhone app to suspend or permanently remove your first direct card from that device. This will happen even if your device is offline and not connected to a mobile or Wi-Fi network.

Apple will also be able to remove your card(s) from a device.

Alternatively, you can call us on 03458 504 068* to suspend or remove your card from Apple Pay.

*Lines are open 8am to 10pm every day except for Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.

You can report your card as lost or stolen in our App or by calling us on 03 456 100 100**. To find out how to do this in the App visit our Keep control of your cards in the App page.

Once your card has been reported it will be deactivated, and you will not be able to continue using Apple Pay with this card. When you receive your new card, you will need to register it with Apple Pay again.

**Lines are open Monday to Sunday, 24 hours per day except for Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.

If you replace or update your device, you will need to add your card(s) to Wallet again.

Please ensure that you remove your card(s) from any devices before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

You can remove a card from Apple Pay at any time. Go to 'Settings' > 'Wallet & Apple Pay', tap the card that you want to remove, then tap 'Remove Card'.

Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual first direct 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 iPhone, iPad, and Apple Watch. 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.

To protect your card:

You must not choose a device passcode that can be easily guessed by anyone else or tell anyone else what your device passcode is; And you must ensure that you do not store anyone else's fingerprint within your Apple Pay device.

Express Transit mode allows you to use Apple Pay on your iPhone or Apple Watch to touch in and touch out for your pay as you go journeys on TfL. There’s no need to use Face ID, Touch ID or double-click the side button of your Apple Watch.

To enable Express Transit mode for your first direct card in Apple Wallet, follow these simple steps:

For iPhone

1. Open the Settings app on your iPhone.
2. Tap Wallet & Apple Pay, then tap Express Transit Card*
3. Select your first direct card, then authenticate with Face ID, Touch ID, or your passcode.

For Apple Watch

1. Open Watch App on your iPhone and select the My Watch tab.
2. Tap Wallet & Apple Pay, then tap Express Transit Card*
3. Select your first direct card, then authenticate with your Apple Watch passcode.

If you have a default first direct card set for Apple Pay, Express Transit mode will automatically be enabled for this card. If you wish to disable this feature just follow the steps above to do this.

To find out more about Express Transit mode visit  the Apple Transit knowlege page Opens an overlay [Will show a security message first].

*You can only have one Express Transit card per Apple device.

The first card you add to Wallet is your default card. To change your default card go to 'Settings', select 'Wallet & Apple Pay‘ and tap 'Default Card'. Select your first direct card to make it the default card for transactions.

You can also change a default card by selecting the card you would like to make the default, and dragging it to the front in Wallet. Tap 'OK' when prompted.

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via text. Once received, please enter the one-time passcode into the appropriate field.

You will need a mobile data or Wi-Fi connection to add a card to Apple Pay. In most circumstances you do not need a mobile data or Wi-Fi connection to transact using Apple Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.

You don’t as long as your card is visible in the Cards menu. To add the card simply click on “Add to Apple Pay” under the card you want to add and then follow the onscreen instructions. If your card is not visible please call us on 03 456 100 100.

If the option to add your card to Apple Pay  doesn’t appear under the card it might be that you have already added it. Or it could be that you have exceeded the number of devices you can add the card to as the same card can only be added on up to 9 devices.

As soon as the new card is visible in the Cards menu the card can be added. In most cases we expect this to be earlier than the delivery of the physical card.

When you add your card within our App an extra security check may take place. This could be receiving a SMS or email with a code or it could direct you to call.