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With Apple Pay™, cardholders can now use their eligible iPhone, Apple Watch or Touch-ID enabled Mac to simplify purchasing for travel-related expenses at accepting merchant locations nationwide without having to reach for their physical wallet. To start using Apple Pay, cardholders must ensure their eligible Apple device is running the most recent version of software. Once the device's software is up to date, the Apple Pay wallet app will appear on the home screen.
It’s easy to add a PNC commercial card to Apple Pay. Cardholders simply open the Apple Pay app on an eligible device.
With your iPhone or Apple Watch, you can pay in stores that accept contactless payments. Just look for the Apple Pay or contactless symbols at checkout.
With your iPhone iPad you can use Apple Pay to pay within apps when you see Apple Pay as a payment option. Look for one of the following buttons in apps.
Apple Pay is a digital wallet platform built by Apple to enable in-store and in-app mobile purchases with eligible Apple devices.
Does PNC support Apple Pay for commercial cards?
Yes. PNC commercial cardholders can now add their PNC commercial card to Apple Pay. You should contact your company’s program administrator to ensure that your cardholder account profile is updated with your mobile device number. Once your account profile is updated, you can begin the enrollment process.
Please refer to https://support.apple.com/ for a complete list of eligible devices.
How do I add my PNC commercial card to Apple Pay?
PNC cardholders using an eligible Apple device will use the
Wallet app to add and manage their commercial card. PNC
cardholders using Apple Pay on the Apple Watch with a paired
iPhone will instead use the Apple Watch app to add and manage
their commercial card. A maximum of 8 commercial cards can
be added to Apple Pay on each eligible device.
iPhone or iPad
To add your first commercial card to Apple Pay on your iPhone or iPad, you will open the Wallet app and select the “Add Credit or Debit Card” option. If you already have a debit or credit card on file with iTunes, you can add it to Apple Pay as your first card simply by entering the security code on the back of your card when prompted.
To add a new commercial card to Apple Pay, use the device camera to capture your card information, or type it in manually. Once verified with PNC, your commercial card will be ready to use for Apple Pay on your eligible device.
To add your first commercial card to Apple Pay on the Apple Watch, you will open the Apple Watch App on your paired iPhone and select the “Wallet & Apple Pay” option. If you already have a debit or credit card on file with iTunes, you can add it to Apple Pay as your first card simply by entering the security code on the back of your card when prompted. To add a new commercial card to Apple Pay, use the device camera to capture your card information or type it in manually. Once verified with PNC, your commercial card will be ready to use with Apple Pay on your Apple Watch.
Please note that if you wish to use the same commercial card on both your Apple Watch and your iPhone, you must add the card twice — once to the Wallet app using the first method listed above for the phone, and once to the Apple Watch app as described here for the Apple Watch. Cards added via the Wallet app are not automatically transferred between paired devices.
How do I verify my card for Apple Pay?
For security reasons, cardholders will be asked to provide additional verification to activate their commercial cards within Apple Pay. After entering the card account information, a screen will be displayed on the iPhone that provides two options for completing the verification process. Cardholders can choose either to utilize a one-time passcode or to contact a toll-free customer support number to provide additional information.
How does the one-time passcode verification process work?
Upon selecting the one-time passcode option for verification purposes, the cardholder will receive a SMS text message on their iPhone that contains a 6-digit verification number. Once this number is entered within Apple Pay, a message will be displayed on the cardholder’s iPhone confirming that the card has been activated. A second enrollment verification text message will be sent to the cardholder’s iPhone confirming enrollment. Once confirmed, the card will be ready to use with Apple Pay.
If cardholders choose to utilize the customer support number for verification purposes, what additional information will be required?
When contacting the customer support number to complete the verification process, cardholders will be asked to provide their 4-digit authorization code and their mobile device number. The cardholder authorization code is established by the cardholder’s employer at the time of card issuance and may be the last four digits of their SSN or employee ID number. Prior to enrolling within Apple Pay, cardholders must work with their company’s program administrator to ensure their mobile device number is added to their cardholder profile so that it can be validated during this process. Once completed, a verification text message will be sent to the cardholder’s iPhone confirming enrollment. Once confirmed, the card will be ready to use with Apple Pay.
How do I use Apple Pay on my eligible device?
To use Apple Pay on your eligible iPhone, your device must be
running the most recent version of software. When making
purchases using Apple Pay at a merchant equipped with a
contactless payment terminal, simply hold your device over
the terminal and accept the charge with your fingerprint or
passcode when prompted. A subtle vibration and beep will let
you know that your purchase was successful.
Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the merchant with the last four digits of the device account number. The device account number can be found by selecting the icon while viewing your card in the Wallet app. You may also be asked to provide a signature to complete your transaction. You can also use Apple Pay on your eligible iPhone to make purchases within participating mobile apps. Look for the Apple Pay logo while completing your in-app purchase to use this feature.
How do I use Apple Pay on my iPad?
To use Apple Pay on your iPad, your device must be running the most recent version of software. PNC cardholders using an iPad are only eligible to make in-app purchases using Apple Pay. Simply look for the Apple Pay logo while completing your in-app purchase to use this feature. These devices cannot be used to make in-store purchases using Apple Pay at this time.
How do I use Apple Pay on my Apple Watch?
To use Apple Pay on your Apple Watch, your paired iPhone must
be running the most recent version of software.
When using Apple Pay on the Apple Watch, you will be prompted to unlock the device for payments by entering your four-digit PIN. Once the watch is placed on your wrist and the PIN is entered, your Apple Watch will remain unlocked for Apple Pay until it is removed from your wrist. You can also enter your four-digit PIN from your paired iPhone. The Apple Watch will automatically lock the Apple Pay feature once the watch is removed from your wrist, and cannot be used with Apple Pay again until it is placed back on your wrist and unlocked using the four-digit PIN.
To make a purchase using the Apple Watch, unlock the Apple Pay feature by entering your four-digit PIN and double-tap the small button on the side of the watch twice to display your default credit or debit card. To pay with a card other than your default card, simply swipe up and down to select the desired payment method. To make a payment, hold the watch a few centimeters away from the contactless payment terminal with the display facing toward the reader. A gentle vibration and beep will let you know that your purchase was successful.
Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the icon while viewing your card in the Apple Watch app. You may also be asked to provide a signature to complete your transaction.
How will Apple Pay keep my information protected?
With Apple Pay, your commercial card information is never shared with the merchant. When you make a purchase, a digital account number along with a dynamic, transaction-specific code is used to process your payment. This means that your actual commercial card number is never transmitted with the payment to the merchant.
Where can I use Apple Pay?
Visit the Apple Pay site for a list of participating merchants and mobile apps.
If you are currently enrolled for rewards benefi ts through your company’s commercial card program, you will continue to earn rewards or points for purchases made using your physical card, or through your card enrolled in Apple Pay.
What if I need to return an item?
The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your iPhone or Apple Watch over the contactless payment terminal and wait for the slight vibration of the device to confi rm that the refund has been processed. You must use the same Apple Pay–enabled device you used to purchase the item to process the return.
Can I make purchases with Apple Pay using my iPad?
Yes, Apple Pay is available on the iPad Air 2 and the iPad Mini 3, and can be used to make purchases within participating mobile apps. The iPad Air 2 and iPad Mini 3 cannot be used to make in-store purchases at this time.
Can I make purchases with Apple Pay using my Apple Watch?
Yes, Apple Pay is available on the Apple Watch and can be used to make purchases in-store at participating merchants. The Apple Watch cannot be used to make in-app purchases at this time.
Can I use a card other than my default card to make a purchase?
When you hold your eligible iPhone over a contactless
payment terminal to make a purchase, your default card will
be displayed at the top of the screen and your other cards will
appear stacked at the bottom.
If you would like to use a card other than your default card to make the purchase, simply tap on the stack of cards at the bottom of the screen to view your other cards, select the one you would like to pay with and use your fi ngerprint or passcode to complete the purchase. Your PNC commercial card should not be established as your default card within Apple Pay.
When making a purchase using the Apple Watch, doubletapping the small button on the side of the watch will display your default card ready for use. To pay with a card other than your default card, simply swipe up and down to select the card you would like to use and hold your watch face near the terminal to complete your purchase.
Do I need to verify my commercial card with PNC when I add it to Apple Pay?
For security purposes, you will be asked to call a toll-free customer service support number to verify your commercial card when adding it to Apple Pay and to complete your enrollment. This is done to confirm your identity and protect your personal information.
For security purposes, your Apple Watch will not be eligible for Apple Pay if you disable wrist detection, disable your device passcode, log out of iCloud or unpair your Apple Watch from your eligible iPhone. If you set up Apple Pay on your Apple Watch and then disable any of these features, the cards you enrolled in Apple Pay will be deleted and you will need to add them again. Please see the Apple Watch site for more Apple Watch and Apple Pay troubleshooting.
What should I do when I receive a replacement card?
When a PNC commercial card enrolled in Apple Pay expires or is replaced due to loss, theft or fraud, PNC will automatically update your card information in Apple Pay within two (2) business days from when your replacement card is activated. To update Apple Pay immediately and not wait the two (2) business days for the automatic update, manually remove the existing card and add the new card to the Wallet app.
What happens if I replace, update or lose my Apple Pay device?
If you replace or update your eligible iPhone, Apple Watch
or iPad, your PNC commercial card will not be transferred
automatically. You will need to set up Apple Pay again and add
your commercial card on the new device.
If your Apple Pay device is ever lost or stolen, you can use Find My iPhone to easily suspend the device account number, or call pnc.com/corporate/applepay PNC Bank using the number found on the back of your card to suspend the use of Apple Pay for you. You can continue to make purchases using your physical card even when the device account number is suspended on Apple Pay.
How can I change my default card in Apple Pay?
The first credit, debit or commercial card you add to the Wallet or Apple Watch app will automatically become your default card. This is the card that will appear on your Apple Watch when you use Apple Pay at a contactless payment reader when checking out. To change your default card, simply open settings and select the Wallet & Apple Pay tab for iPhone or the Apple Watch app tab for Apple Watch users. Your PNC commercial card should not be established as your default card within ApplePay.
Why does my card image in the Wallet app look different from my physical card?
Your commercial card image in the Wallet and Apple Watch app is a digital representation of your physical PNC commercial card. The image you see in the Wallet and Apple Watch app may not be an exact copy of your PNC commercial card.
Can I add my PNC debit and credit cards to Apple Pay on multiple devices?
Yes, you can add multiple PNC commercial cards to Apple Pay on multiple compatible devices.
How do I remove a card from Apple Pay?
To remove a card from Apple Pay, simply select the card in the Wallet or Apple Watch app and click on the icon in the bottom corner to view the back of the card. Scroll to the bottom to find the “remove card” option. After deleting, you can re-add this card to Apple Pay at any time.
At PNC we combine a wider range of financial resources with a deeper understanding of your business to help you achieve your goals. To learn more about how we can bring ideas, insight and solutions to you, please contact your Relationship Manager.
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