Using Apple Pay
Managing Your Card in Apple Pay
What is Apple Pay and can I participate as a Berkshire Bank Debit MasterCard® customer?
You can now use an eligible Berkshire Bank Debit MasterCard® with Apple Pay to pay on the go at merchants who accept contactless payments, and in participating merchant apps wherever Apple Pay is accepted. As an Berkshire Bank Debit MasterCard® holder, you can also get these features in Apple Pay:
- Real-time notifications and details for your purchases when you use Apple Pay on iPhone® or iPad®. Notifications will be for your transactions made with Apple Pay.
- View transactions within the AMEB Mobile app for enhanced account monitoring, and servicing on the go.
Which Cards and devices are eligible for Apple Pay?
At this time, Berkshire Bank Debit MasterCard® is eligible for enrollment.
To use Apple Pay in-store, you must have an iPhone 6 or 6 Plus or an Apple® Watch that is paired with an iPhone 5, 5c, 5s, 6 or 6 Plus. You can also use Apple Pay on iPhone 6, 6 Plus, iPad Air® 2 or iPad mini® 3 for in-app payments only. To learn more about how to use Apple Pay, please visit apple.com/apple-pay.
Where can I use Apple Pay?
You can use Apple Pay to make payments in stores with supported devices wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.
You can also use Apple Pay in participating merchant apps with supported devices. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps. Visit apple.com/apple-pay for a list of merchants where in-app payments are accepted.
Is my Card account number or other information being shared with Apple?
We will never share your plastic Card number with Apple. To deliver you the best Apple Pay experience, we will display certain account information on your device, such as data for your recent purchases, for each Card you have selected to use with Apple Pay, but not your full account information. At any time, you can turn off the display of transaction data manually within Apple Pay by adjusting the “Card Notifications” for each Card. If you have any additional questions about your device’s security features, please contact Apple directly.
How secure is an Apple Pay transaction?
Your Card in Apple Pay is protected by “Touch ID” and/or your device “Passcode.” For your security, when you make a purchase using Apple Pay, you must either use “Touch ID” or the “Passcode” for your device. All of your payment information will be encrypted in the Secure Element, a dedicated chip in your device.
How can I add my Card to Apple Pay?
To add your Berkshire Bank Debit MasterCard® on a supported iPhone or iPad, go to “Settings,” open “Passbook & Apple Pay,” and select “Add Credit or Debit Card.” On a supported iPhone, you can also open the Passbook app to add a Card.
To add your Berkshire Bank Debit MasterCard® on Apple Watch, you must first pair your Watch with a supported iPhone running on iOS 8.2 or later using the Apple Watch app. Once paired, open the Apple Watch app on your iPhone, select "Passbook & Apple Pay" and then tap "Add Credit or Debit Card."
Please note that the iPhone 5, 5c and 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, 5c or 5s alone.
When enrolling, the card was unable to be verified. Why did this happen and what do I do next?
If some of your personal information cannot be verified systematically, you may be prompted to contact Berkshire Bank at: 800-773-5601. For your security, you will be asked questions by one of our friendly customer service representatives. After they are able to confirm your identity, they will complete the enrollment process in a few minutes time.
Can I put multiple Cards on my device?
Yes. At this time, Apple allows up to 8 Cards on a device.
Can I put my Card on multiple devices?
Yes, you can add your Card on up to 10 devices. Please note that your Card must be added to each device separately.
Can I have more than one Apple Watch?
Yes. However, only one Apple Watch can be paired with one iPhone.
If I load my Berkshire Bank Debit MasterCard® onto my Apple device, will I be charged any new fees or rates?
There is no cost associated with adding your card to Apple Pay, although it does require an active data plan. Note that additional message and data charges may apply.
Your credit card’s terms and conditions, and your debit card’s Deposit Account Agreement will apply to all Apple Pay purchases.
Once I add my Card, how can I suspend the ability to make payments or remove Cards from my device?
To remove your Card on iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3, select “Remove Card” in the “Passbook & Apple Pay” section of your device “Settings” or on the back of your Card in the Passbook app. You can also visit icloud.com/settings to remove your Card or “Find My iPhone” to temporarily suspend or permanently remove the ability to pay with your Cards on your device.
To remove your Card on Apple Watch, go to "Passbook" on your Apple Watch device, select your Card then hold and tap "Delete" to remove your Card. Additionally, you can remove your Card using the Apple Watch app on your iPhone. Open the Apple Watch app, select "Passbook & Apple Pay", then select your Card and navigate to the bottom and tap "Remove Card."
Please note that you can always visit icloud.com/settings to remove your Card on Apple Watch.
Using Apple Pay
What is a Device Account Number and how is it different from my card account number?
For your security, when you add your Berkshire Bank Debit MasterCard® to Apple Pay, a “Device Account Number” is created by Apple Pay for that card on that device. It is separate and unique to your device and different from your plastic card number. Your Device Account Number is used to make purchases with your card using Apple Pay. Your debit card number is never shared with merchants or transmitted with payments.
How will an Apple Pay transaction appear on my statement?
All transactions completed with Apple Pay will appear on your Berkshire Bank billing statement as a normal point of sale transaction.
How do I get a refund for something I purchased with Apple Pay?
If you need to make a return for a purchase made with Apple Pay you can receive refunds to your account. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your Card number. To find the last four digits of your Device Account Number for your Card, visit the “Passbook & Apple Pay” section of your device “Settings” or on the back of your Card in the Passbook app.
Why does my card image on my phone look different than my physical card when I load it in Passbook?
Your card image may appear differently in Apple Pay, but the last 4 digits of your card appear at the bottom of the card in Passbook so you know the correct card was loaded into Apple Pay.
How do I make sure Apple Pay is turned off when I don’t want to use it?
Apple Pay is locked when the device is locked. Touch ID is required in order to use Apple Pay.
I’m having a problem with my device’s software or hardware. What should I do?
If you are having difficulty with your software or hardware, please contact Apple (apple.com/apple-pay).
Can I use my Berkshire Bank Debit MasterCard® with Apple Pay outside of the United States?
If you are shopping at a participating retailer, Apple Pay will work outside of the United States.
I have a chip enabled MasterCard®card, will it still work in Apple Pay?
Yes, Apple Pay will work with chip cards.
Managing Your Card in Apple Pay
How do I set my Berkshire Bank Debit MasterCard® as my default card in Apple Pay?
Go to Passbook in your iPhone General Settings to set your default card.
Where can I view and manage my Card in Apple Pay?
For iPhone 6, iPad Air 2 and iPad mini 3, you can view and manage your Cards in Apple Pay by going to “Settings” and selecting “Passbook & Apple Pay.” By tapping on an individual Card, you can view the “Transaction Display” and manage the settings associated with that Card in Apple Pay.
For iPhone 6, you can also view and manage your Cards in the Passbook app. When you select an individual Card, you can tap the “i” to get to the back of the Card, where you can view the “Transaction Display” and manage the settings associated with that Card in Apple Pay.
For Apple Watch, you can view and manage your Cards on Apple Watch within the Apple Watch app on your iPhone. Simply tap on an individual Card to manage the settings associated with that Card in Apple Pay. The Apple Watch app will not display transaction detail or transaction history.
I’m getting notifications for my Card in Apple Pay on my device. What are these notifications and how can I turn them on/off?
You will receive “Card Notifications” for your Berkshire Bank Debit MasterCard® in Apple Pay on iPhone and iPad letting you know about purchases made with your plastic Card and purchases made in Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Passbook & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications or other special messages from Berkshire Bank Debit MasterCard® on the front of your Card, and you will no longer see your transaction history on the back of your Card in Apple Pay.
You will not receive specific "Card Notifications" for Cards added to Apple Pay for your Apple Watch.
You may receive notifications on your Apple Watch if you have a Card added to Apple Pay on your paired iPhone and have push notifications enabled.
You may also receive notifications on your Apple Watch if you have an active Berkshire Bank Debit MasterCard® Pass for Passbook.
If you do not want to receive these notifications on your Apple Watch, visit the notifications section under "General Settings" in the Apple Watch app on your supported device and unselect "Passbook & Apple Pay."
What are the transactions listed with my Card in Apple Pay?
Berkshire Bank has enabled Card Members to see their last 10 purchases in the “Transaction Display” of their Card in Apple Pay on iPhone or iPad. The “Transaction Display” will show the last 10 purchases you’ve made with both your plastic Card and Card using Apple Pay. You can turn “Transaction Display” off when you turn off your “Card Notifications” in the “Passbook & Apple Pay” section of your device “Settings.”
Why is the information shown in Apple Pay different from my Berkshire Bank Online Statement?
Apple Pay will only include your last 10 purchases. For all official statement information, please refer to your Card account information in the AMEB mobile app. If you suspect that there has been fraudulent activity on your account, please contact Berkshire Bank at the number on the back of your Card.
If I receive a replacement Card, do I need to update my Card information with Apple Pay?
No. Your Device Account Number is connected to your new Card number automatically. You can use your Card in Apple Pay to make transactions before receiving your new plastic Card.
My device is lost or was stolen and I want to delete my Card. What should I do?
If you believe your device or Apple Pay Card information has been lost, stolen or compromised in any way, call Berkshire Bank immediately at the number on the back of your Card.
For iPhone or iPad, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your Card(s) using Find My iPhone, you can reactivate your Card(s) simply by unlocking your device and entering your Apple ID "Passcode" when prompted. For any supported Apple device, you can always go to icloud.com/settings, choose the applicable device and delete your Card(s).
Lastly, contact your service provider so they can suspend your service.