An Easier Way to Pay
You can use Apple Pay on your phone, iPad Air™, iPad Mini™ 3 and Apple Watch with shopping apps such as those for Target®, Panera Bread®, Petco® and Uber®.
A Safe Way to Shop
Using Apple Pay is safe. When you use Apple Pay, your Oklahoma Central card number is not stored on your phone or given to the merchant. A unique Device Account Number is created specifically for that device. Your payment information is stored in Passbook/Wallet. You still enjoy all the benefits of your Oklahoma Central credit and debit card, including our Zero Liability policy that protects you from unauthorized purchases.
A Simple Way to Get Started
To get started, you need an iPhone 6, iPhone 6 Plus or Apple Watch with iOS 8.1 or later. Simply add your Oklahoma Central credit or debit card to your Apple Pay account with your iSight® camera or by entering it manually.
The first card you add will automatically become your default payment card. You can go to Passbook/Wallet anytime to pay with a different card and add or remove any of your cards as needed.
A Secure Way to Protect Your Account
If your mobile device is ever lost or stolen, you can use the "Find My iPhone" feature to quickly set your device in "Lost Mode," disabling purchasing ability and the ability to get into the phone without a PIN entry. Or, you can wipe all information from your iPhone.
A Convenient Way to Shop
You can use your Oklahoma Central card on Apple Pay to pay at more than 220,000 locations, including:
You can also use Apple Pay when using apps such as those for Apple®, Groupon™, Panera Bread, Target, Starbucks® and the Disney Store®.
For a complete list of merchants, visit apple.com/apple-pay/where-to-use-apple-pay.
1 iPhone® 6 or 6 Plus and newer
Apple Pay FAQs
1. What is Apple Pay?
Apple Pay is a secure way for you to pay for your purchases by holding your phone near a contactless reader. Your details are never shared when you use Apple Pay—in fact, they aren’t stored on your device at all. You can use your iPhone® 6 or iPhone 6 Plus phone, Apple Watch, iPad Air™ and iPad Mini™ 3 to pay within certain apps.
Apple Pay is simple to use and works with the cards you already have on the devices you use every day.
2. What do I need to get started with Apple Pay?
3. Which Oklahoma Central cards can I use with Apple Pay?
You can use all Oklahoma Central credit and debit cards, as well as our Business credit and debit cards.
4. Who can I contact for help setting up Apple Pay?
Contact Oklahoma Central Member Services at 918-664-6000 option 8 if you have questions about setting up Apple Pay with your Oklahoma Central card. When talking with us, please reference your plastic card number.
5. When I add my Oklahoma Central card to Apple Pay it doesn't look like the card in my wallet. Why?
Apple Pay uses a graphical representation, not an exact replica of your Oklahoma Central card. It also uses a unique Device Account Number, which is different than your plastic card number. Nothing has changed with your plastic card on your account. The Device Account Number improves security because it is only associated with Apple Pay. View it at any time in Passbook.
6. How do I change my default card to my Oklahoma Central card?
The credit or debit card associated with your iTunes® account or the first card you add to Passbook® is your default card. To change your default card:
1. Go to Settings > Passbook or Wallet & Apple Pay.
2. Tap Default Card.
3. Choose a new card.
7. How do I replace my old Oklahoma Central card with my new card on Apple Pay?
You'll delete the old card from Apple Pay and add the new card. To delete the old card, go into "Settings," open "Passbook & Apple Pay," select the card you want to delete and tap "Remove Card." To add your new card, simply follow the easy step instructions.
8. Are my payments safe with Apple Pay?
Yes. When you use Apple Pay, your Oklahoma Central card number isn't stored on your phone or given to the merchant. A unique Device Account Number is created specifically for your device. You still enjoy all the benefits of your Oklahoma Central credit or debit card, including our Zero Liability policy that protects you from unauthorized purchases.
9. How are my privacy and personal information protected?
Since Apple Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.
10. Am I able to opt out of Apple Pay at any time?
Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed. Changes can be made in Settings > Passbook or Wallet & Apple Pay.
11. Which merchants are participating?
You can use Apple Pay at more than 220,000 locations, including grocery stores, boutiques, restaurants, hotels and many more places you already enjoy. Use Apple Pay in these stores.
12. Is Apple Pay free?
Yes. Be aware that message and data rates may apply, depending on your data plan.
13. Where can I get more information on Apple Pay?
More information is available at apple.com/apple-pay.
14. How do I setup Apple Pay on my Apple Watch?
Add your Oklahoma Central credit or debit card to Apple Watch using the Watch app on your paired iPhone. Click here for the complete setup directions.
Usage and Security Concerns
What if my physical Visa card is lost or stolen?
Contact Oklahoma Central Member Services at 918-664-6000, option 8 (or 800-791-2525 if it’s after-hours) as soon as possible. Once you receive your replacement card you can add your new card to your mobile wallet.
What if my Apple device is lost or stolen?
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 Member Services (918-664-6000, option 8) 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.
If I sell or give my Apple device to someone else, what will happen to the digital account information in the device?
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 Member Services (918-664-6000, option 8) who can perform this action for you on your behalf.
If I lose my Apple device and if someone starts using it to make purchases, am I liable for those purchases?
Whether you use a digital account number or a physical Visa card, you are protected with Visa zero liability against fraudulent transactions. Contact Member Services (918-664-6000, option 8) for more information.
Will I continue to earn UChoose Rewards from my credit and debit card(s)?
Yes, Apple Pay transactions are treated as regular card transactions and are rewarded as normal.
What will it look like on my monthly / online statement?
We expect that the use of digital account numbers will result in a similar statement experience; however, contact Member Services (918-664-6000, option 8) for more information.
What should I do when I receive a new, renewed or replacement card?
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.
What if I need to return an item?
Any returns should be processed as they are done today. However, individual merchant return policies may vary.
What payment information will be on my receipt?
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.
Who do I contact for general questions about my digital account number?
Contact Member Services (918-664-6000, option 8). When talking with us, reference your plastic card number.