Apple Pay FAQ

Which Assiniboine Credit Union cards can I use with Apple Pay?

ACU debit cards are currently available for Apple Pay. Plans are actively underway to enable more ACU cards for Apple Pay soon – stay tuned!

Can I add my ACU card to more than one Apple device?

Yes, you can add your card to one or more eligible Apple devices.

How do I make my ACU card the default card in Apple Pay?

The first card added to Apple Pay is automatically set to be the default card. To change your default card, open the Wallet app, hold and drag your ACU card to the front. You may also:

  1. Open Settings and select “Wallet & Apple Pay”
  2. Select “Default Card” under “Transaction Defaults” and choose your ACU card.

Which merchants accept Apple Pay?

Apple Pay is accepted in-store at any merchant that accepts contactless payments. To view a list, visit

Is Apple Pay free?

Yes, there are no fees to use or register you card with Apple Pay. Each transaction in Apple Pay will count as a transaction, if you pay transaction fees for your account. Your wireless carrier may charge additional fees for data usage.

How is Apple Pay secure?

Each payment requires your authorization through either TouchID or passcode. Your card details are not stored on your device and won’t be shared with the merchant. If your device is lost or stolen, you can remotely suspend Apple Pay or wipe your device.

Is my account number stored on my phone?

No, your account number is replaced with a secure digital number known as a token. The token represents your ACU card and is used to make secure purchases, in-app and in-store.

On which devices will Apple Pay work?

Apple Pay works on iPhone 6 or higher, or iPhone 5 if you have an Apple Watch.

Which devices can I use for in-store payments?

Every eligible iPhone and Apple Watch can make in-store payments.

Do I need network access to make a purchase?

No, a network connection is not required to make a payment, but it is recommended to receive transaction alerts.

How do I do a Refund?

Refunds are initiated by the Merchant at their POS terminal, following the same rules as refunds do today. It is recommended that you bring your physical card with you.

I’m having trouble with Apple Pay. Who do I contact?

If you are having difficulty with Apple Pay, please call us at 204-958-8588 (toll-free 1-877-958-8588) and we will be happy to assist you.

What if my device is lost or stolen?

If you have any reason to believe your ACU card details used for Apple Pay have been stolen or compromised please call us at 204-958-8588 (toll-free 1-877-958-8588). You can remove your card remotely using Apple’s “Find my iPhone”.

If I switch ACU cards, do I have to update Apple Pay?

Yes, please delete the previous card and add the new card as normal.

Can I remove my card from Apple Pay?

To remove a card from Apple Pay: open settings, select “Wallet & Apple Pay”, choose “Select Card”, and then select “Remove Card”.


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