Apple Pay FAQs

Apple Pay Frequently Asked Questions

How to Use Apple Pay in Participating Stores

  • Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.
  • Place your finger on the Touch ID™. Or, you may need to enter a passcode and sign a receipt.
  • Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

What is Apple Pay?
Apple Pay allows you to pay for your purchases with your iPhone®, iPad or Apple Watch by holding your phone near a contactless reader. View all compatible devices.

What do I need to get started with Apple Pay?

  • iPhone or Apple Watch to pay in stores and within app
  • iPad to pay within app
  • The latest version of iOSwatchOS, or macOS
  • Touch ID™ or passcode on your device
  • iCloud® account

Which Westerra card can I use with Apple Pay?
You can use all Westerra credit and debit cards, as well as your Business debit card.

When I add my Westerra 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 Westerra card. Westerra credit and debit cards are color coded like this:

Snowy Mountains = Debit Card
Fall Mountains = Platinum Credit Card
Mountains with Lake = Classic Credit Card
Brown = Business Debit Card

How do I change my default card to my Westerra 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:

  • Go to Settings > Passbook & Apple Pay
  • Tap Default Card
  • Choose a new card

How do I replace Westerra 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.

Are my payments safe with Apple Pay?
When you use Apple Pay, your Westerra card number isn't stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your Westerra credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

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.

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.

Which merchants are participating?
You can use Apple Pay at more than 220,000 locations. Click here for a listing of major retailers.

Is Apple Pay free?
Yes. Be aware that message and data rates may apply, depending on your data plan.

Where can I get more information on Apple Pay?
More information is available at

What happens if I lose my iPhone?
If your iPhone is ever lost or stolen, just use the "Find My iPhone" feature to disable your phone, or call us at 303-321-4209.