Apple Pay

What is Apple Pay?

Apple Pay is a payments feature that allows you to add your credit and/or debit cards to a supported Apple^® device through the Wallet app and make purchases at participating merchants.

What devices are eligible for Apple Pay?

You can make payments with your iPhone^® 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE and Apple Watch^™ at participating in-store merchant locations. You will also need to ensure that your device is updated with iOS 9 software in order to pay using your Discover card with Apple Pay.

Does it cost anything to use Apple Pay?

There is no cost to cardmembers who use their Discover card in Apple Pay. However, your Discover card’s terms and conditions will apply for purchases. Also, additional message and data charges may apply depending on your wireless plan.  

What is a contactless payment?

Contactless payments are transactions that use Near Field Communication (NFC). To complete a transaction, these payments do not require a physical connection between your device and the participating merchant’s checkout terminal.

What is Near Field Communication (NFC) technology?

Near Field Communication (NFC) technology allows devices close to one another to communicate. Payments using this technology require an NFC contactless reader at checkout and an NFC-equipped mobile device.

Which Discover cards can I use with Apple Pay?

You can use these Discover cards with Apple Pay:

• Discover it^®
• Discover^® it Miles
• Discover it Chrome
• Discover More^®
• Discover Open Road^®
• Discover Miles           
• Discover Motiva℠
• Discover Essential^®
• Discover Escape

How do I add my Discover card to Apple Pay?

Add your card to Apple Pay in three simple steps.

iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and iPhone SE

• Open the Wallet app
• Tap the plus sign in the upper right corner
• Enter your card's security code to add your credit or debit card from your iTunes account. Or, select "Add a different card" and  use your iSight camera to enter the card information.*

Apple Watch

• Open the Apple Watch app on your iPhone
• Tap "Wallet & Apple Pay and select "Add a Credit or Debit Card"
• Enter your card’s security code to add your credit card from your iTunes account. Or, select "Add a different card" and  use your iSight camera to enter the card information.*

Can I continue to use my plastic card after I add my Discover card to Apple Pay?

You may continue to use your plastic card as you usually would after you add your Discover card to Apple Pay. 

Why can't I register for Apple Pay?

You may not have the eligible device and/or eligible card. If you need additional support, please contact us at 1-800-347-0251.

What are the notifications I'm getting from Apple Pay on my device? How can I turn them off?

You receive notifications when purchases are made using Apple Pay. To turn these notifications off, go to "Settings" and tap “Wallet & Apple Pay.” From there, select your added Discover card and turn your “Card Notifications” off. Please note that by turning off your “Card Notifications,” you will no longer see transaction notifications or your purchase history in Apple Pay. 

Can I see my transactions made using Apple Pay?

Yes. Your ten most recent transactions made using your Discover card in Apple Pay will be displayed.

How will an Apple Pay transaction appear on my Discover statement?

All transactions made using Apple Pay will appear as “APPLE PAY” on your Discover billing statement along with the merchant’s name.

After I add my Discover card to Apple Pay, how can I temporarily deactivate or remove it from my device?

There are 3 ways you can temporarily deactivate or remove your Discover card:

• Discover.com: Log in to your account. Then under “Account,” select “Manage Cards,” and then select “Activate/Deactivate” for Apple Pay devices.
• Discover mobile app: Log in to the app and select “Activate and Manage Cards.” Then, select the Apple Pay device that you want to temporarily deactivate or remove the card from.
• Wallet/Apple Pay: Select “Remove Card” in the “Wallet & Apple Pay” section of your device Settings.

If I choose to freeze my credit card account, what effect does it have on my card in Apple Pay?

If you freeze your credit card account, you will not be able to use your card in Apple Pay until you unfreeze your account. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

If my plastic card is lost or stolen, what effect does it have on my card in Apple Pay?

After you report your card as lost/stolen, it will be unavailable in Apple Pay for up to 24 to 48 hours while Discover generates a new account number and makes it available in Apple Pay. No further action is required on your part to continue to use your card in Apple Pay. 

What should I do if my card or device is lost or stolen?

If your card is lost or stolen:

Please use the “Contact Us” feature by selecting the information icon (i) in Apple Pay to reach Discover immediately from the mobile app or website. 

If your mobile device is lost:

You can temporarily deactivate Apple Pay by using the “Find my iPhone” app, or you can visit www.icloud.com and select “Lost Mode.” Alternatively, you can call us by using the “Contact Discover” feature in Wallet and we will assist you in temporarily deactivating your card in Apple Pay. 

 If your mobile device is stolen:

You can select the “Erase All” option on www.icloud.com to delete your cards from Apple Pay. Please note that when you select this option, all of the information on your phone will be erased.

You can restore the information on your device using iCloud Backup (if backup was turned on before you erased it). Restoring the information on your phone will not restore your card information in Apple Pay. You will need to add your card into Wallet again to resume using your card in Apple Pay. 

 If you don’t know your device account number, please use the "Contact Discover" feature in Wallet and we will assist you.

If I replace my device, what effect does it have on Apple Pay?

If you replace your device, you will need to re-register your Discover card in Apple Pay.

If I erase my device, does that deactivate my plastic card?

No. Erasing your device will delete your Discover card from Apple Pay and does not affect your plastic card. You will be able to use your plastic card as you normally would. 

Why am I being asked to verify my card?

You may be asked to provide additional information to add your Discover card to Apple Pay for security purposes. Wallet will tell you how to verify your card. After you have successfully verified your card, you will then receive a notification indicating that you are ready to use Apple Pay with that card.

How do I lock Apple Pay?

Apple Pay will be locked anytime your device is locked. For your security, your device’s passcode or Touch ID^TM is required for every in-store purchase made with Apple Pay.

Am I liable for unauthorized charges made with my card using Apple Pay?

Our $0 Fraud Liability Guarantee means you’re never responsible for unauthorized purchases on your Discover card.

How secure is an Apple Pay transaction?

When you use your Discover card in Apple Pay:

• Your transactions are monitored by Discover risk and fraud detection systems
• Our $0 Fraud Liability Guarantee means you are never responsible for unauthorized purchases on your Discover card. 

How do I pay using Apple Pay?

To pay in stores, there is no need to wake your iPhone or open an app. Just hold the iPhone near the contactless reader with your finger on Touch ID. You'll see "Done" on the display, along with subtle vibration and beep, letting you know your payment was sent.

On Apple Watch, double-click the side button and hold the display of your Apple Watch up to contactless reader. A gentle tap and beep confirm that your payment information was sent.*

Where can I use Apple Pay?

You can use Apple Pay in-stores at many of the places you shop every day. View the complete merchant list here. You can also use your Discover card while shopping in app with Apple Pay at select merchants. Check back soon for a full list of merchants.

How will I know if a transaction was successful when paying with my iPhone?

You will receive a notification on your phone if your transaction was successfully paid.

Will I need to sign a receipt after I pay in-store with Apple Pay?

You may need to sign a receipt depending on the merchant.

How do I return something I purchased using Apple Pay?

You can make a return by contacting the merchant directly, as you would with any payment made via your plastic card. When making a return, we recommend that you bring your receipt and the device used for the purchase.

What if I have questions about Apple Pay while shopping?

Open Wallet on your supported iPhone and tap the information icon (i) on the bottom right corner of your screen. Select "Contact Discover" from the popup screen to speak with a customer service representative, or you can visit the Discover/Apple Pay support page by selecting "Go to Website" for additional support. 

Can I use Apple Pay to pay for recurring charges, such as subscriptions and/or bills?

This service is currently unavailable.