Apple Pay Frequently Asked Questions

Yes. The following TD Bank products are eligible for use with Apple Pay:

• TD Bank Visa Debit Cards:
  • TD Bank Visa Debit Card
  • TD Bank Business Visa Debit Card
  • TD Bank Private Client Visa Debit Card


• TD Bank Visa Credit Cards:
  • TD Cash Visa Credit Card – Platinum & Signature
  • TD Easy Rewards^SM Visa Credit Card – Platinum & Signature
  • TD Cash Rewards^SM Visa Credit Card – Platinum & Signature
  • TD Payment Plus^® Visa Platinum Credit Card
  • TD First Class^SM Visa Signature Credit Card
  • TD Business Solutions Visa Credit Card
  • TD Simply Flexible Business^SM Visa Credit Card
  • TD Ameritrade Client Rewards Credit Card – Platinum & Signature
  • TD Aeroplan^TM Visa Credit Card – Platinum & Signature


• TD Bank Visa Reloadable Prepaid Cards:
  • TD Connect Visa Prepaid Card
  • TD Go Visa Prepaid Card

Apple Pay is available in the United States to customers with compatible Apple devices running the latest version of iOS.

Here's what you need to use Apple Pay:

• A compatible Apple device. A list is available on the Apple website^*.
• The latest version of iOS
• United States as your selected region
• Touch ID^TM or passcode on your device
  • For Apple Watch^®: a passcode and Wrist Detection turned on
• iCloud account
• Eligible TD Bank Visa Card

You can start using Apple Pay as soon as you add your eligible TD Bank Visa Card to Apple Pay.

To add your TD Bank Visa Card:

To a compatible iPhone^®: Open the Wallet app (formerly Passbook) and tap the plus sign in the upper-right corner, then follow the steps on the device.

To a compatible iPad^®: Open the main Settings app on the device, then go to Wallet & Apple Pay (formerly Passbook & Apple Pay), tap Add Credit or Debit Card, and then follow the steps on the device.

To an Apple Watch: Open the Apple Watch app on the paired device and go to Wallet & Apple Pay (formerly Passbook & Apple Pay), tap Add Credit or Debit Card and then follow the steps on the device.

If your card successfully loads and activates, no further steps are required. If activation is required, call the number that appears on the screen. If no number appears, call the number on the back of your card.

The first card you add to Apple Pay will be the default payment card. To change your default card:

On an iPhone or iPad: Open the main Settings app on the device, then go to Wallet & Apple Pay (formerly Passbook & Apple Pay), tap Default Card and then tap the TD Bank Visa Card you would like to select as your default card.

On an Apple Watch: Open the Apple Watch app and tap Default Card, and then tap the TD Bank Visa Card you would like to select as your default card.

To use another card for in-store purchases:

On an iPhone: Your default card will be shown at the top of your screen. Your other cards will be stacked at the bottom of the screen.

To use a card other than your default card, tap the stack of cards at the bottom of the screen, then select the one you'd like to use to make your payment.

On an Apple Watch: Double-click the side button and you'll see your default card. To change cards, swipe left or right.

To use another card for an in-app purchase: Tap , then tap card and select the card you'd like to use to make your payment.

TD Customer Service is ready to help you with any issues you may have adding your TD Bank Visa cards to a compatible Apple device.

• For help with your Personal and Small Business TD Bank Visa Debit Cards: 888-937-0005
• For help with your Personal and Small Business TD Bank Visa Credit Cards: 866-606-7470
• For help with your TD Bank Visa Reloadable Prepaid Cards:
  • TD Connect Visa Prepaid Card: 1-888-568-7130
  • TD Go Visa Prepaid Card: 1-855-219-8050

For issues with your Apple device or Passbook please contact Apple for support.

You can use Apple Pay with your compatible Apple device to pay in stores that accept contactless payments. Visit the Apple website^* for a list of participating merchants and mobile apps, or look for one of these symbols at checkout:

 

Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments including Apple Pay.

Using Apple Pay within Apps

With a compatible Apple device, you can use Apple Pay to pay within apps when you see the "Buy with Apple Pay" or "Apple Pay" button as a payment method. Look for these buttons in apps:



Learn more about how to set up and use Apple Pay^*.

It depends on the merchant. In some cases you may need to sign a receipt or enter your PIN – just as you would with your plastic TD Bank Visa Card. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the icon while viewing your card in the Wallet (formerly Passbook) or Apple Watch app.

Yes. If your TD Bank Visa Card earns points or rewards for eligible transactions, you'll continue to earn the same points and/or rewards for eligible transactions when you pay using that card in Apple Pay.

When you view your TD Bank Visa Card in Wallet (formerly Passbook), you'll see the last transaction for each card.

You can also see the last 10 transactions for each card. Just tap the card in Wallet (formerly Passbook), then tap .

Occasionally only initial authorization amounts will be passed to Apple Pay, which might be different from the final transaction amount. As a result, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to your TD Bank account statement for final transaction details.

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional card payment. To see the last four digits of the Device Account Number, tap the card and tap .

If the cashier needs your card details to process the return, you can follow the same steps for making a payment. Hold the Apple Pay device you used to make the payment near the reader, select the card you used to make the original payment, and authorize the return.

Depending on the return and refund policies of the store, it may take several days for the return transaction to appear on your TD Bank Visa Card statement. We recommend keeping your receipt until the return posts to your account.

Your actual card numbers aren't stored on your device or on Apple servers. When you pay in stores, neither Apple nor your device sends your actual TD Bank Visa Card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping address you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount.

Learn more about Apple Pay security and privacy on the Apple website.

If you lose your Apple Pay-enabled Apple device, contact TD Bank Customer Service to deactivate your TD Bank Visa Cards in the device.

• For Personal and Small Business TD Bank Visa Debit Cards: 888-937-0005
• For Personal and Small Business TD Bank Visa Credit Cards: 866-606-7470
• For TD Bank Visa Reloadable Prepaid Cards:
  • TD Connect Visa Prepaid Card: 1-888-568-7130
  • TD Go Visa Prepaid Card: 1-855-219-8050

If your Apple Device is lost or stolen, you also have the ability to suspend or permanently remove the ability to pay from that device with Apple Pay. To learn more, visit the Apple website.

When you suspend or remove your cards in Apple Pay, only your device-specific Device Account Number is suspended or removed.

Your plastic card numbers are not saved on the device, and you can continue to use your plastic cards normally, as long as you didn't deactivate them.

When you receive a replacement TD Bank Visa Card, TD Bank will not automatically update your device account number within Apple Pay with your new card information. You can contact TD Bank Customer Service to update the current device account number on your device with your new TD Bank Visa Card information.

• For Personal and Small Business TD Bank Visa Debit Cards: 888-937-0005
• For Personal and Small Business TD Bank Visa Credit Cards: 866-606-7470
• For TD Bank Visa Reloadable Prepaid Cards:
  • TD Connect Visa Prepaid Card: 1-888-568-7130
  • TD Go Visa Prepaid Card: 1-855-219-8050

Alternatively, you can delete your old TD Bank Visa Card from your device and add the replacement card, which will create a new device account number.