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Apple Pay® Frequently Asked Questions

How to use Apple Pay

How do I get Apple Pay?

You can access Apple Pay through the Apple Wallet, which comes pre-installed on your eligible iOS device. When setting up a new device, you will have the opportunity to add eligible Wells Fargo Cards, or you can always open the Apple Wallet app to add cards at any time. Please note, Apple Pay on the Apple Watch® is set up through the Apple Pay Watch app on an iPhone® paired to the Apple Watch.

Where can I use Apple Pay?

Apple Pay is accepted at millions of stores, in apps, and on participating websites using Safari® on your Mac®, iPhone, and iPad®.  Look for the Apple Pay logo or contactless symbol at checkout.

 

To see a list of businesses and apps that accept Apple Pay, click here.

Which devices are compatible with Apple Pay?

You can use Apple Pay on eligible iOS devices and operating systems. For a list of compatible devices and required operating systems, click here.

How to add your cards to Apple Pay

How do I add my Wells Fargo Cards to Apple Wallet?

There are two ways to add your Wells Fargo Cards to Apple Wallet, through the Wells Fargo Mobile® app or directly through the Apple Wallet. To learn how to add your eligible Wells Fargo Cards directly through the Apple Wallet, see the Apple Pay instructions.

How to add your cards through the Wells Fargo Mobile app (iPhone)

  1. In your Wells Fargo Mobile app, tap the Menu Icon, then tap Settings, then tap Set-Up Cards for Apple Pay.
  2. All eligible cards will display. Tap the Add to Apple Wallet button next to the card(s) you would like to add.
  3. Follow any additional instructions on the screen to verify and activate your card in Apple Wallet. Your card is now ready for use with Apple Pay.

For further information on how to add your eligible Wells Fargo Cards to your iPhone, iPad, or Apple Watch, follow the Apple Pay instructions.

Which Wells Fargo Cards can I use with Apple Pay?

You can use most Visa® and American Express® branded Wells Fargo Debit and Credit Cards with Apple Pay.

How do I set my Wells Fargo Card as my default card for use with Apple Pay?

The first card you add to Apple Pay will be your default card. To make your Wells Fargo Card your default card, go to your device's Settings, Wallet & Apple Pay, then tap Default Card selection and choose your preferred Wells Fargo Card as your default. You can also tap and drag your preferred card in the Apple Wallet app to the front to set your default.

Can I add multiple cards to Apple Pay?

Yes, depending on the model, you can add up to 8 or 12 eligible cards on each Apple Pay enabled device. To learn more about the number of cards you can add, visit Apple Pay Support. Also, devices do not share cards, so if you would like to use the same card on two different devices, you will need to add the card on each device separately.

Security

Is Apple Pay secure for making payments? How does Wells Fargo help protect me against fraud?

The security of your account information is a top priority.

When you pay with Apple Pay and your Wells Fargo Card:

  • Your actual card number is replaced with a unique digital card number, which means businesses do not see or store your full card number.
  • All Wells Fargo transactions are monitored by Wells Fargo’s 24/7 risk and fraud detection systems.
  • Purchases made with your Wells Fargo Cards are protected by Zero Liability, so you will be reimbursed for promptly reported unauthorized transactions.

Why am I being asked to verify my Wells Fargo Card?

For security reasons, we may need you to provide additional verification to add your eligible Wells Fargo Card to Apple Pay. If necessary, Wallet or the Apple Watch app will tell you how to verify your card.

What if I find unauthorized charges on the Wells Fargo Card(s) I use with Apple Pay?

Your Wells Fargo Debit and Credit Cards automatically come with the built-in security of Wells Fargo’s fraud monitoring and Zero Liability protection. If your card or its number is ever lost or stolen, you will be reimbursed for unauthorized transactions when you report them promptly.

  • To dispute a debit card transaction, call 1-800-TO-WELLS (1-800-869-3557).
  • To dispute a credit card transaction, call 1-800-642-4720.
  • To dispute a transaction on a business card, call 1-800-225-5935.

Visit the Wells Fargo Fraud Information Center to learn more about how to help reduce your risk of fraud and identity theft.

What if my Wells Fargo Card is lost or stolen?

Please call Wells Fargo immediately and mention that you added your Wells Fargo Card to Apple Pay. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from Apple Wallet or the Apple Watch app using the "Remove Card" option. When you receive your replacement card, you will need to add the new card to Apple Pay before making any Apple Pay purchases.

What if my device is lost or stolen?

In addition to notifying your mobile carrier, please call the Wells Fargo number on the back of your card promptly and mention that you added your Wells Fargo Card to Apple Pay so that we can disable your card for use with Apple Pay.

If you have the Find My iPhone app downloaded to your device, you can use it to remotely lock your device. Please refer to the Apple website for more information about Find My iPhone.

If you locate your device, you will need to add your cards back to Apple Wallet before making any Apple Pay purchases.

General

Does Wells Fargo charge anything to use Apple Pay?

No. Wells Fargo does not charge a fee for customers to use Apple Pay.

Where can I find more information about Apple Pay?

To learn more about Apple Pay, please visit the Apple Pay site.

How do merchants accept payments from Apple Pay?

Businesses that accept contactless payments can accept payments from Apple Pay.

Merchants with questions about their terminals’ capability to accept contactless payments, or about enabling terminals to accept payments from Apple Pay, should contact Wells Fargo Merchant Services at 1-800-451-5817.

Will merchants be charged a higher rate for transactions made through Apple Pay?

In-person purchases using Apple Pay will be processed just like other in-person transactions. Similarly, purchases made in-app using Apple Pay will be processed just like other online purchases. Merchants with questions should contact Wells Fargo Merchant Services at 1-800-451-5817 or their Merchant Services relationship manager if they have additional questions.

How can merchants let customers know they accept payments from Apple Pay?

Many customers may already be familiar with the universal contactless acceptance symbol. This symbol usually appears on the front of a merchant’s contactless capable terminal or peripheral.

Which cards can be added to Apple Pay?

Eligible Visa and American Express cards can be used with Apple Pay.

What is a contactless payment?

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

What is NFC technology?

Near Field Communication (NFC) technology enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device.

Who provides the customer service for merchants wanting to accept Apple Pay?

Wells Fargo Merchant Services customers can call 1-800-451-5817 if they have additional questions about accepting Apple Pay, or they can call their Merchant Services relationship manager.