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Apple Pay

Use your new wallet.  Apple Pay is here.

Apple Pay logo

Missouri Credit Union now offers Apple Pay, and that means your MCU debit card transactions can be simpler, more secure and more private than ever.

What is Apple Pay?

Apple Pay allows you to pay for your purchases with your iPhone® 6 and iPhone 6 Plus devices, and it’s free to use, apart from any message or data rates specified in your wireless plan. Once you’ve entered your card(s) into your phone’s Passbook® app, you’ll be able to make purchases at thousands of merchant locations across the country and internationally. Apple Pay also lets you use your iPad Air® and iPad Mini™ 3 for online-only shopping within certain apps.

What do I need to get started with Apple Pay?

  • iPhone XS, iPhone XS Max, iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, or iPhone SE.
  • iPad (6th generation), iPad Pro, iPad Air 2, iPad (5th generation), iPad mini 4, iPad mini 3.
  • Apple Watch (when paired with iPhone 5 or greater).
  • Software version iOS 8.1 or later.
  • Touch ID™ or passcode on your device.
  • iCloud account.

How do I add cards to Apple Pay?

Open your Wallet app, swipe down and tap the plus sign. Then enter your debit card by snapping a photo with your device’s iSight® camera, or adding the data manually. If you already have a card in iTunes, you’ll be prompted to add it to Passbook (it becomes your default payment card) or you can add different cards. If you don’t want the card you store in iTunes to be your default payment card, you can switch it in Settings.

For more information, check out the official Apple Pay support page or this video tutorial.

If your card is new to iTunes or the App Store, you may be prompted to call the MCU call center at (573) 874-1477.

How do I know which merchants allow Apple Pay?

You can use Apple Pay at numerous merchants. Here’s a partial listing:

Accept Apple Pay Accept Apple Pay in Their App Coming Soon
 McDonald’s  Apple  Baskin Robins
 Macy’s  Best Buy  Besy Buy
 Aeropostale  Dunkin Donuts  Big Lots
 American Eagle  Etsy  Dunkin Donuts
 Express  Groupon  Forever 21
 Foot Locker  Panera  JC Penney
 Fudruckers  Pinterest  Kohl’s
 Office Depot  Sephora  Marriott
 Panera  Staples  Regal Cinemas
  Petco  Starbucks T-Mobile
 Radio Shack  Ticketmaster White Castle
 Sephora   Zulily

You also can look for the contactless terminal logo/Apple Pay logo:

Apple Pay Accepted logo

Are my payments safe with Apple Pay?

Apple Pay’s advanced technology works behind the scenes to make using a traditional debit or credit card more secure than ever before. In participating stores, you just hold your phone near the merchant’s contactless reader, with your finger on the Touch ID sensor. That’s it. Your name and card number remain anonymous to cashiers and bystanders, and your phone carries an unique, encrypted Device Account Number rather than your actual debit or credit card numbers. And you still enjoy all the benefits of your card including the Zero Liability policy that protects you from unauthorized purchases.

Learn more about security on the official Apple Pay Security and Privacy policy page.

What if my phone gets lost or stolen?

If this happens to you (and we hope it doesn’t), you have three options:

  1. You can remove your credit or debit cards from Apple Pay on iCloud.com. Sign in, click settings, choose your device, and remove your cards in the Apple Pay section;
  2. If Find My iPhone is turned on, you also can help keep your data secure doing this:
    • Turn on Lost Mode to lock your device and suspend Apple Pay;
    • Erase your device remotely to prevent anyone else from accessing the data on your missing device and to remove your cards; and
  3. You can call MCU (573-874-1477) to suspend or remove your cards from Apple Pay.

Learn more about what to do if your iOS device is lost or stolen.

Apple, the Apple logo, iPad Air, iPhone and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, iPad Mini and Touch ID are trademarks of Apple Inc.

What should I do if I have additional questions?

If you have additional questions, please call (573) 874-1477 to speak to our call center, or email questions@missouricu.org. (Please do not email any sensitive financial information, such as account numbers.) You may also visit Apple's support portal.