Apple Pay used on iPhone

Apple Pay® lets you use your iPhone 6® or iPhone 6 Plus to pay in stores and within apps in an easy, secure, and private way.

Simply add your Ozark Bank debit card to the Passbook app on your iPhone and you'll be able to make payments at many of your favorite retailers with a touch of a finger.

Paying in stores has never been easier.

To pay, just hold your iPhone near the contactless reader with your finger on the Touch ID button. There's no need to open an app or even wake your display. You don't even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep let you know.

Apple Pay also lets you make purchases quickly and easily within many of your favorite mobile apps that include the new feature.

Get Started Now

Adding an eligible Ozark Bank credit or debit card is easy: Just open the Wallet app on your iPhone, then tap the plus sign. From there, you can use your device's camera to enter the card information automatically or you can type it in manually.

For more details, including a complete list of participating stores and a demo video, visit the Apple Pay website.

Look for one of these symbols at checkout: 

ApplePay

 

HOW IT WORKS: APPLE PAY AND DIGITAL ACCOUNT NUMBERS

Q. On which devices / phones / tablets / computers will this work?

A. At this time, Apple Pay will work in stores with iPhone 6, , iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, Apple Watch paired with iPhone 5 or later.

Within mobile applications, Apple Pay is compatible with iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPad Pro, iPad Air 2, and iPad mini 3, iPad mini 4.

Apple is one of the first to make use of digital account numbers to enable secure mobile payments. In the future we expect digital account numbers to become available on any smart device, replacing your payment card numbers in digital wallets, at many e-commerce merchants, in mobile banking apps, and beyond.

Q. What is a digital account number and why should I care?

A. Your payment card information, such as the 16-digit account number found on the front of your card, will be replaced with a digital account number that can be securely stored on Apple devices and used to make purchases. Your credit and debit card numbers are NOT stored on the device, or on Apple servers. This helps to reduce the potential for fraud.

The process is invisible to consumers and happens behind the scenes. It also helps to simplify checkout by eliminating the need to enter and re-enter your account number when buying items in mobile applications “in-app” or at the point-of-sale.

Q. Where can I use my digital account number – In-store or online?

A. Initially, digital account numbers can be used for purchases through participating merchant mobile applications on your new Apple devices, as well as through the iPhone 6 and iPhone 6 Plus at any merchant where contactless payments are accepted. 

Q. Who utilizes digital account numbers?

A. Digital account numbers are used by the merchants accepting your payment, the payment network that processes your transaction, Apple Pay, and the financial institution that issues your card.

Q. Is Apple Pay free to use?

A. Use of Apple Pay is free to Ozark Bank cardholders. There could however be charges from your mobile carrier depending on your data plan.

Q. Can I load my Ozark Bank credit card into Apple Pay?

A. At this time only Ozark Bank personal and business debit cards can be used with Apple Pay.

Q. Why do I need to verify my card with Shazam when I add it to Apple Pay?

A. For security purposes, we will ask you to call Shazam (our debit card processor) to verify your card when adding it to Apple Pay. This is done to confirm your identity and protect your personal information.

Q. How will I know if my transaction was successful?

A. After completing a payment using Apple Pay, a confirmation will appear on your iPhone.  You can also register to receive notifications of the purchase.

Q. Will Ozark Bank support other mobile wallet technologies like Samsung Pay and Google Wallet?

A. Ozark Bank is committed to offering its customers secure and convenient payment options.  As we develop the processes necessary to support new payment technologies, we will announcement the availability to our customers.

Q. Do I need to be connected to the internet?

A. For in-store contactless payments you do not need to be connected to the internet.

 

SECURITY AND DATA PRIVACY

Q. How will this keep my information more secure?

A. By using a digital account number, you no longer need to share your personal account information when you shop, which reduces the threat of your sensitive data being stored or compromised, because only the digital account number is passed on and your payment details are never actually shared with a merchant. In addition, if your device is ever lost or stolen, you will not need to cancel your underlying card, only the digital account number, which can be quickly reissued.

Q. How does my Apple device transmit payment details?

A. When shopping in-store, simply activate the payment functionality on your Apple device and hold the device in front of a contactless reader. The digital account information stored on the device will be transmitted directly to that contactless reader.

Q. Will I know if my digital account number is being used?

A. Digital account numbers will support a seamless payment experience. Please contact your Ozark Bank for information on alerts or notifications.

Q. Are my credit and debit card numbers passed to the merchant?

A. No, your credit and debit card numbers are NOT stored on the device, nor on Apple servers. This helps to reduce the potential for fraud. Instead, a digital account number is used, and passed to the merchant.

Q. Can I remove my digital account number stored on my Apple devices?

A Yes, you are able to easily delete the account from your device. If you delete your digital account you will still be able to continue to make purchases with your physical payment card.

Q. Are my purchases protected under zero liability?

A Yes. Whether you use a digital account number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions. Please contact your Ozark Bank for more information.

The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult Ozark Bank for additional details.

Q. What information is stored about my purchases?

A. Transaction data that is stored is kept anonymous and recent purchase history is kept private, stored only on your device and not on Apple servers, nor is it used for Apple marketing.

CONVENIENCE AND USAGE

Q. What if my physical Visa card is lost or stolen?

A. Please contact Ozark Bank as soon as possible. Once you receive your replacement card you can add your new card to your mobile wallet.

Q. What if my Apple device is lost or stolen?

A. If your Apple device is lost or stolen, use “Find My Apple Device” to quickly suspend or remove your digital account numbers for the respective device. You may also contact Ozark Bank who can perform the same action on your Visa card(s). Once you receive your new device simply add cards to your wallet. In the meantime, you can continue to use your physical card without interruption.

Q. If I sell or give my Apple device to someone else, what will happen to the digital account information in the device?

A. When selling or giving away your iPhone 6 or other new Apple product you should make sure you delete all digital accounts in Apple Pay. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts. If you forget to do this, contact Ozark Bank who can perform this action for you on your behalf.

Q. If I lose my Apple device and if someone starts using it to make purchases, am I liable for those purchases?

A. Whether you use a digital account number or a physical Visa card, you are protected with Visa zero liability against fraudulent transactions. Please contact your Ozark Bank for more information.

Q. What should I do when I receive a new, renewed or replacement card?

A. For any new or replacement cards, you will go through the initial set up of providing the basic payments details to add the card to Apple Pay. For a card renewal, the new expiration date will be automatically provided from Visa to Apple seamlessly, with no action required by you.

Q. What if I need to return an item?

A. Any returns should be processed as they are done today. However, individual merchant return policies may vary.

Q. What payment information will be on my receipt?

A. Receipts should look the same as they always have. However, in some cases, receipts created from digital account usage may display the last four digits of your digital account which may differ from the last four digits of your physical card.

Q. Where can I view the full Terms of Use?

A. Please contact Ozark Bank and Apple for the terms and conditions for the service.

Q. Who do I contact for general questions about my digital account number?

A. Please contact Ozark Bank.