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Apple Pay® FAQs

Apple Pay®

What is Apple Pay®?

Apple Pay is a new way to pay. You can now make purchases using contactless payment technology and unique security features built right into the devices you have with you every day. So you can use your iPhone, Apple Watch, or iPad to pay in a simple, secure, and private way.

Is Apple Pay® secure?

Yes. Apple Pay® is secure because it processes transactions through a tokenization service. This service replaces a card’s primary account number with a random numerical sequence unique to a specific device, merchant, transaction type or channel.

Actual account numbers are not stored on the device, nor on Apple servers, and cashiers will no longer see your name, credit card number or card security code, helping to reduce potential fraud.*


*Disclosure: Apple Pay and Touch ID are trademarks of Apple Inc.

How do I add my South State cards to Apple Pay®?

There are two ways to add your South State debit and credit cards to Apple Pay®. If you already have a South State card on file with iTunes, you can add it to Apple Pay® by entering the security code on the back of your card into the Passbook app.

To add a new or second South State card to Apple Pay®,you will:
1. Open the Wallet App on their iPhone.
2. Tap +.
3. Tap Continue.
4. Hold phone over the card you would like to add to take a picture.
5. Confirm card details, tap Next.
6. Accept Terms and Conditions.
7. Complete Card Verification selecting to receive a One Time Code through a text message or email.
8. Once you receive your code through a text message or email, enter that code into your Wallet to complete your activation.

For Apple Pay enrollment questions, please contact Customer Care at (800) 277-2175.

What cards are eligible for Apple Pay®?

We allow personal and business debit and credit cards and Health Savings Account cards to be used with Apple Pay®.*


*Disclosure: Apple Pay and Touch ID are trademarks of Apple Inc.

How do I use Apple Pay®?

To use Apple Pay®, your iPhone 6 or iPhone 6 Plus iPhone must be running iOS 8.1 or above, and you must have an iCloud account. To make a purchase at a retailer that has a contactless payWave terminal, hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep lets you know the purchase was successful.

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 Passbook. You may also be asked to provide a signature or debit card PIN to complete your transaction.*

How can I change my default card in Apple Pay®?

The first credit or debit card you add to Passbook automatically becomes your default card. This is the card that will appear when you use Apple Pay® at a contactless payment reader when checking out. To change your default card, simply open settings and select the Passbook & Apple Pay® tab.*


*Disclosure: Apple Pay and Touch ID are trademarks of Apple Inc.

What happens if my card is lost or stolen?

If your card is lost or stolen during normal business hours, call us at (800) 277-2175 to deactivate it.

If your card is lost or stolen after normal business hours, please call one of the following numbers:

  • ATM or Debit Cards, call (800) 523-4175
  • Personal Credit Cards, call (800) 558-3424
  • Business Credit Cards(866) 552-8855

You will no longer be able to use your card within Apple Pay®, so you should also remove the card from Apple Pay®. When you receive your new card, you will need to add it to Apple Pay®.*


*Disclosure: Apple Pay and Touch ID are trademarks of Apple Inc.

How do I remove a card from Apple Pay®?

To remove a card from Apple Pay®, select the card in Passbook 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.*


*Disclosure: Apple Pay and Touch ID are trademarks of Apple Inc.

What happens if I replace, update or lose my Apple Pay® device?

If you replace or update your device, your South State debit or credit card(s) will not be transferred automatically. You will need to set up Apple Pay® again and re-add your cards on the new device.

If your device is ever lost or stolen, you can use Apple’s Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay® or completely wipe the device clean, or call us at (800) 277-2175.

You can continue to make purchases using your physical card even when the device account number is suspended on Apple Pay®.*

*Disclosure: Apple Pay and Touch ID are trademarks of Apple Inc.