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Apple Pay

A safe, convenient, and easy way to pay

Oregonians CU members have the option of using Apple Pay to complete their debit or credit purchases with participating retailers and within apps. Apple Pay lets you use iPhone or Apple Watch to pay in over a million stores accepting contactless payments. You can also make purchases within participating apps. And more stores and apps are accepting Apple Pay every day.

And because your card details are never shared when you use Apple Pay — in fact, they aren’t stored on your device at all — using Apple Pay is the safer and more private way to pay.

Look for one of these symbols at checkout:

Apple Pay  Mobile Payments pay symbol


Getting started with Apple Pay

  • Open the Wallet app on your iPhone or Apple Watch with iOS 8.1 or later.

  • Swipe down and select the plus sign to add your debit or credit card.

  • Enter your Oregonians card number manually or use your device’s camera to upload it

Note: If your Oregonians card is already on file with iTunes, you may be prompted to simply enter the security code or CVV number located on the back of your card.

You may be prompted to call (844) 646-5465 to verify your account when adding your Oregonians card to your digital wallet on your mobile phone. Upon calling, you will be asked verification questions in order to confirm your identity and then your Oregonians card will be activated for use with your phone.

3 Simple Steps to Pay

  1. Look for the Apple Pay symbol at checkout and position your device close to the terminal.

  2. Initiate payment by clicking your device’s home button when prompted by the Touch ID icon.*

  3. Your device will vibrate when the transaction is complete.

*Touch ID must be enabled on your phone to use Apple Pay. This can be activated in your device’s settings.

Helpful Resources

Need an eligible card to get started?

Open a Checking AccountApply for a Credit Card

Frequently Asked Questions:

How does Apple Pay work? 
Simply add your Oregonians credit or debit card to your Apple Wallet. Once set up, the number on the front of your OCU card will be replaced with a digital account number that will be securely stored on your Apple devices. Simply hold the device in front of a contactless reader at a participating retailer to make your payment. 

How is this more secure? 
Only the digital account number is passed on to the retailer. Your payment details including account name and number are never shared with the retailer or seen by the cashier. This reduces the threat of personal data being compromised. If your mobile device is ever lost or stolen, you won’t need to cancel the cards attached to your Apple Pay account. You can just reset your digital account number remotely using iCloud.

Why am I being asked to verify my Oregonians card in Apple Pay? 
This is for security reasons, we may need you to verify certain information. The app will tell you specifically what steps you need to take to verify your card if they are needed. The verification phone number is 844-646-5465.

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 us and we can perform the same action on your card(s). Once you receive your new device, simply add your cards to your wallet. In the meantime, you can continue to use your physical card without interruption. 

What merchants accept Apple Pay?
Apple Pay is currently accepted at hundreds of thousands of stores (and growing!) and in select iPhone apps. Major merchants include McDonalds, Whole Foods, Walgreens, Staples, Subway and more.

How do I make my Oregonians card my default card in Apple Pay?
Go to Settings-Wallet & Apple Pay and tap Default Card. Select your Oregonians card. However, the first card you add to Apple Pay is automatically set as your default card.

Is Apple Pay free to use? 
Yes, Oregonians Credit Union does not charge members for using Apple Pay, but messaging and data rates may apply depending on your plan.

What devices work with Apple Pay?
iPhone® 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, or Apple Watch.® Users can also make in-app purchases with the iPad Pro,™ iPad Air® 2, iPad mini™ 4 and iPad mini 3.

When I get a new card will I need to update it in Apple Pay?
Yes, anytime you get a new or updated card you’ll need to re-enter the information in to the Apple Pay Wallet. This includes all reissued or replacement cards.

How will these transactions appear on my OCU statement?
Apple Pay transactions will appear like any other card transaction on your statement and online banking.