Apple Pay™
Additional Convenience for PNC’s Commercial Card Programs
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.
Simplify Purchasing While Traveling
- By adding a commercial card to Apple Pay, there’s no need to utilize the traditional plastic card when paying for travel-related expenses. Apple Pay also enables purchasing quickly and easily within many mobile apps that include Apple Pay payment capabilities.
- Best of all, with Apple Pay cardholders still get all the benefits and protection that their PNC commercial card already provides.
- When a purchase is made using Apple Pay, all transactions are monitored by the same PNC security and privacy that protects a PNC commercial card.
- Commercial card numbers are not stored on the mobile device and are never shared with the merchant.
Get Started Now
It’s easy to add a PNC commercial card to Apple Pay. Cardholders simply open the Apple Pay app on an eligible device.
- You should contact your company’s program administrator to ensure your cardholder account profile is updated with your mobile device number.
- Once your account profile is updated, you can begin the enrollment process.
- Simply open the app and follow the on-screen instructions to add the PNC commercial card to Apple Pay and make payments in stores, within apps and on the web.
- Apple Watch users can add cards to Apple Pay by opening the Apple Watch App on their iPhone.
- If a consumer debit or credit card is already on file with Apple iTunes®, it can be quickly imported into Apple Pay by simply entering the security code on the back of the card.
- To add your commercial card, either enter the required card information manually or hold the eligible iPhone over the card and use the device camera to capture it automatically. Validation of the card information will be completed before it is ready to use.
Pay in Stores
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.
Pay with iPhone
- To use your default card and fingerprint authentication, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see “Done” and a checkmark on the display.
- To pay with a different card instead of your default card on your iPhone, hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap the one that you want to use. Now you can use fingerprint authentication by resting your finger on Touch ID to pay.
- Depending upon the terminal utilized by the merchant, you may be required to select either Credit or Debit on the terminal. If prompted, choose Credit.
- If you need to provide the last four digits of your card, use the Device Account Number. For iPhone, open Wallet, tap your card, then tap info icon to see the Device Account Number.
- Depending on the store and transaction amount, you may need to sign a receipt or enter your PIN.
Pay with Apple Watch
- To use your default card, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader. Wait until you feel a gentle tap.
- To pay with a different card instead of your default card on your Apple Watch, double-click the side button. When your default card appears, swipe left or right to switch cards. Hold your watch near the reader to pay.
- Depending upon the terminal utilized by the merchant, you may be required to select either Credit or Debit on the terminal. If prompted, choose Credit.
- If you need to provide the last four digits of your card, use the Device Account Number. For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap your card to see the Device Account Number.
- Depending on the store and transaction amount, you may need to sign a receipt or enter your PIN.
Pay Within Apps
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.
To pay with Apple Pay within an app
- You can select either the “Buy with Apple Pay” or “Apple Pay” button or choose Apple Pay as the payment method when checking out.
- If you want to pay with a card that is not established as your default card, tap > next to your card.
- Validate or enter your billing, shipping, and contact information. Apple Pay will store that information, so you won't need to enter it again.
- On your iPhone place your finger on Touch ID to utilize fingerprint authentication. On your Apple Watch, double-click the side button. When your payment is successful, you'll see “Done” and a checkmark on the screen.
Apple Pay is a digital wallet platform built by Apple to enable in-store and in-app mobile purchases with eligible Apple devices.
Apple Pay Basics
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.
Apple Watch
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.
Using Apple Pay
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 benefits 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.
Managing Apple Pay
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.
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