Apple credit card payment

Credit Card & Debit Card

Can I change my payment method?

The payment method for an order cannot be amended once the order has been submitted to Apple. To chose an alternative payment method, you will need to cancel your existing order and place a new order with your preferred payment method. Please note that when cancelling credit card orders, it can take up to 3 days for the payment authorisation to be removed by your credit card company. As debit cards are charged at time of ordering, Apple will need to process a refund if you decide to cancel your order.

Are my Credit/Debit card details secure?

The security of Apple Store servers is closely monitored to prevent any unauthorised disclosure or use of credit card numbers and to protect the confidentiality of your personal information. The Apple Store uses the SSL (Secure Socket Layer) industry standard, the highest level of security available today for web-secured applications. SSL relies on a pair of public an private key technologies provided by Verisign, Inc. and based on a 40-bit encryption algorithm developed by RSA Data Security, Inc.

What Credit/Debit cards can I pay with?

• VISA
• MasterCard
• American Express
• Maestro

When will my debit card be charged?

Our bank will automatically debit your account for the value of your order when the order has been placed and accepted by Apple.

When will my credit card be charged?

When you place your order, Apple request authorisation to charge the order amount from your credit card company. Once we have received approval, Apple reserve the amount on your card until all items are available and your order has shipped. Your card will be charged when your order has shipped.

Why was my credit card payment not processed?

Your credit card company may have declined authorisation to debit your card due to one of the below mentioned reasons. If such a situation arises, we will inform you of this via email:

• there may be a credit limit on your account
• the incorrect card type, number or expiry date was accidentally selected when placing the order
• there were dashes or spaces in the account number that could not be recognised
• a simple administrative step taken when the card holder is not present to sign for the transaction
• your card may be recently issued and has not yet been activated

My credit card was declined, can I re-authorise it?

If your order was not authorised online, please confirm you have correctly entered your credit card details and place your order again. If you still have difficulties please contact your credit card company to make them aware of your order.

If you have already received an order number but were informed by Apple that your card was declined, to prevent further delay of your order, please:

1. Contact your card provider to advise them that you have placed an order with Apple so that the payment can be processed.

2. Visit Order Status to verify your payment or to make changes to your payment information. Please note that it may take up to 24 hours for the status to update. If you placed your order without an Apple ID and wish to make changes to your payment information, please contact the Apple Store Customer Service team for assistance.

Can I change my billing address?

Your billing address is the registered address that your credit card company holds. Please ensure that your billing address is correct at the time of placing your order. Once your order has been accepted by Apple your billing address cannot be changed as it would have already been authorised by your credit card company.

What if the shipping address differs from the billing address?

If your billing and shipping addresses differ and you are paying by credit card, you may be asked for additional documentation before Apple can process your order. Please note we can only deliver within the same country that you are ordering from. American Express require you to register the shipping address with them if it differs from the card holder’s address they have on record.

Can I place an order using a non-Irish credit card?

If your purchase is made on the Apple Online Store using a credit/debit card from a country other than the country of the Apple Online Store you are purchasing from, then Apple will charge your card in the local currency of the Store. Your card statement will display the local currency that the purchase was made in and the conversion value to the card currency. The foreign exchange rate will be calculated at the time of purchase.

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Set up Apple Pay

To set up Apple Pay, add a credit, debit, or prepaid card to the Wallet app on your iPhone, Apple Watch, or other compatible device.

To use Apple Pay, you need:

• A compatible device 1 with the latest version of iOS or iPadOS, watchOS, or macOS.
• A supported card from a participating card issuer.
• An Apple ID signed in to iCloud 2 .

Learn if your country/region supports Apple Pay. To check if your card is compatible with Apple Pay, contact your card issuer.

How to add a card for Apple Pay on your iPhone

Add a new debit or credit card to the Wallet app, or add a card you previously used on a device associated with your Apple ID.

Add a new card on your iPhone

1. In the Wallet app, tap the Add button .
2. Tap Debit or Credit Card.
3. Tap Continue.
4. Follow the steps on the screen to add a new card. If prompted, choose your bank or card issuer from the list or find them using the search bar.
5. Verify your information with your bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.
6. If you have a paired Apple Watch, you have the option to also add the card to your watch.

Add a previous card on your iPhone

1. In the Wallet app, tap the Add button .
2. Tap Previous Cards to see cards that you previously added to the Wallet app.
3. Choose the card or cards that you want to add and tap Continue.
4. Follow the steps on the screen to add your card.
5. If necessary, verify your information with your bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.
6. If you have a paired Apple Watch, you have the option to also add the card to your watch.

Once you’ve added your card, you can start using Apple Pay.

To remove a card from the Previous Cards screen, tap Edit > Remove button > Delete. Then, tap Delete Card to confirm and remove the card from all your devices.

How to add a card for Apple Pay on your Apple Watch

You can add a new debit or credit card, or a card you previously used on a device associated with your Apple ID, directly on your Apple Watch. You can also add a card with the Apple Watch app on your paired iPhone.

Add a card for Apple Pay on your Apple Watch

1. On your Apple Watch, open the Wallet app.
2. Scroll down and tap Add Card.
3. Tap Debit or Credit Card to add a new card, or tap Previous Card to choose a card that you previously added to the Wallet app.
4. Tap Continue.
5. Follow the steps on the screen to enter your card information and add your card.
6. If necessary, verify your information with your bank or card issuer using the Apple Watch app on your paired iPhone. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.

Apple Watches managed with Family Setup might not be able to add cards directly on the Apple Watch.

Add a card for Apple Pay with the Apple Watch app on your iPhone

1. On your paired iPhone, open the Apple Watch app.
2. In the My Watch tab, tap Wallet & Apple Pay.
3. Tap Add Card.
4. Tap Debit or Credit Card to add a new card, or tap Previous Card to choose a card that you previously added to the Wallet app.
5. Tap Continue.
6. Follow the steps on the screen to add your card.
7. If necessary, verify your information with the bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.

Once you’ve added your card, you can start using Apple Pay.

How to add a card for Apple Pay on your Mac or iPad

1. Open Wallet settings on your device.
   • On your Mac model with Touch ID, go to System Preferences > Wallet & Apple Pay.
   • On your iPad, go to Settings > Wallet & Apple Pay.
2. Tap Add Card. 3,4
3. Follow the steps on the screen to add a card.
4. Verify your information with your bank or card issuer. They might ask for more information.

Once you’ve added your card, you can start using Apple Pay.

On Mac models without built-in Touch ID, you can complete your purchase using Apple Pay on your compatible iPhone or Apple Watch: On your iPhone, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.

1. Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Face ID, Touch ID, or a passcode. On your Apple Watch, you need to set up a passcode. If you sign out of iCloud or remove your passcode, all credit, debit, prepaid, transit, and student ID card will be removed from that device.
2. If you’re less than 13 years old, Apple Pay isn’t available and you can’t add a card in the Wallet app. Age varies by country or region.
3. In China mainland, you can use Apple Pay on the web in Safari only on compatible iPhone and iPad models using iOS 11.2 or later. In the Netherlands, you can use Apple Pay on the web only on a compatible iPhone or iPad.
4. In Italy, you can’t add Maestro cards to iPad or Mac. In Australia, you can’t add eftpos cards to your iPad or Mac. In the Netherlands, you can add Maestro cards to all compatible devices except Mac.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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How to make Apple Card payments

See how to make a payment, check your balance, and choose a payment source.

Check your balance

To see your Card Balance, open the Wallet app on your iPhone and tap Apple Card. 1 The Card Balance shows below your card. Card Balance includes all new spending and any remaining monthly balance. If you have Apple Card Monthly Installments, then your balance includes the newly billed monthly installment.

You can only pay off purchases after they clear, so Card Balance will continue to reflect pending transactions, even if you make a maximum payment.

Find your monthly balance

The monthly balance includes all of your spending in a calendar month (except for any pending transactions), interest charges, and credits posted to your account. It also includes any remaining balance from the previous month. If you have Apple Card Monthly Installments, 2 your monthly balance includes your interest-free monthly installment. When you pay the monthly balance, it stops additional interest charges on your account.

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Your monthly balance is automatically selected and you see a green checkmark.

If you already paid some of your monthly balance, your remaining monthly balance is shown. If you pay off your monthly balance each month by the due date, you aren’t charged interest.

Find your minimum payment due

The minimum payment is the minimum amount you must pay towards your Apple Card balance to keep your account current.

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Press and slide counterclockwise until the wheel turns red and stops.
4. You see the minimum payment due.

When your minimum payment is due, Payment Due appears with the amount below your Apple Card. If you bought an iPhone, iPad, Mac, or other eligible Apple product with Apple Card Monthly Installments, your monthly installment is included in the minimum payment amount.

How to make payments

You can set up recurring scheduled payments or make a one-time payment in the Wallet app with just a few taps. If you don’t have an eligible iPhone or iPad, you can make an Apple Card payment online at card.apple.com.

For Apple Card Family, account owners and co-owners are responsible for all payments on the shared Apple Card account. On a co-owned account, each co-owner can make payments on the account and can add a bank account. Before making or scheduling a payment on a shared Apple Card acocunt, co-owners should verify that the correct bank account is selected. 3

Set up scheduled payments for Apple Card

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap the more button , tap Scheduled Payments, then tap Continue.
3. Tap Pay My Bill to pay your previous monthly balance or tap Pay Different Amount to choose an amount. Then tap next:
   • If you chose Pay My Bill, select when you want your payment to be made, then tap Next.
   • If you chose Pay Different Amount, select your payment amount, when you want the payment to repeat, when you want the first payment to be made, then tap Next.
4. Confirm with Face ID, Touch ID, or passcode.
5. Tap Done.

If you want to change your scheduled payment, you need to first cancel your current scheduled payment. Just tap the more button , then tap your scheduled payment under Scheduled Payments. Tap Cancel Payments and tap Cancel Payments again to confirm your choice.

Make a one-time payment

On your iPhone in the Wallet app, you can make an immediate one-time payment or you can schedule a one-time payment.

Pay now

To make an immediate one-time payment, follow these steps:

1. Open the Wallet app on your iPhone and tap Apple Card.
2. Tap to pay.
3. Hold and slide the payment wheel to choose a payment amount.
4. Tap Pay Now to instantly make your payment, then follow the instructions on your screen.

Pay later

Here’s how to schedule a one-time payment:

1. Open the Wallet app on your iPhone, tap Apple Card, then tap to pay.
2. Hold and slide the payment wheel to choose a payment amount, then tap Pay Later.
3. Choose the date you want to make the payment. 4
4. Tap Pay on [your chosen date], then follow the instructions on your screen.

If you set up Apple Cash and verified your identity, you can use Apple Cash or your bank account to make an immediate one-time payment.

Make additional payments on your Apple Card Monthly Installments

If you pay your minimum payment due each month, you’re automatically paying your Apple Card Monthly Installment for that month. To make an additional payment or pay off your installment balance, you need to pay your Maximum Payment for all other Apple Card purchases before additional payments can be applied to your installment balance.

Apple Card Monthly Installments are interest-free and all other purchases you make with your Apple Card have a variable APR. 2 When you pay toward your Apple Card balance first, you can reduce or eliminate interest charges.

If you pay more towards your installment balance, you might reduce the number of payments, but you’re still required to pay your installment the next month.

If your iPhone or iPad is unavailable

If your iPhone is missing or stolen, you can call an Apple Card specialist to make a payment. You can also ask an Apple Card specialist to help you set up scheduled payments so you won’t miss a payment.

If you added your Apple Card to another iPhone, you can make a payment or set up scheduled payments in the Wallet app on that iPhone. If you added your Apple Card to your iPad, you can go to Settings > Wallet & Apple Pay > Apple Card, then tap Make a Payment or set up Scheduled Payments.

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