Overview

What is Apple Pay?

Apple Pay allows you to make purchases in store using your Rafidain Bank debit or credit card via compatible Apple devices and contactless payment technology. You can also use it to make in-app purchases wherever the Apple Pay logo is displayed.

Your personal information, transaction data, credit and debit card information is protected by industry-leading security, plus you will continue to receive the benefits of your Rafidain Bank products.

Which Rafidain Bank cards are eligible?

All Rafidain Bank debit cards and credit cards are eligible, with the exception of the FlexOne cash card. You can upload multiple cards to your device and can easily switch between these cards within the Apple Pay app.

How does Apple Pay work?

Once your card is added to your device:

In store

You simply hold your device up to the contactless terminal, authorise the payment using Touch ID or your passcode and the payment is made instantly.

In-app

You select the Apple Pay logo, confirm your shipping details and then authorise the payment using Touch ID or your passcode.


How secure is the service?

Apple Pay uses the unique security features built into your Apple device:

  • All payments require authentication from the account holder with the use of Touch ID or your passcode for each transaction.
  • The Apple Watch is protected by the passcode that only you know. Your passcode is required every time you put on your Apple Watch, and Wrist Detect must be enabled.
  • Your card number and identity isn’t shared with the merchant and your actual card numbers aren’t stored on your device or Apple’s servers.
  • A security code is generated for each transaction to ensure it’s been requested by an authorised device.
  • Visa links the Device Account Number (DAN) - the digital version of your card - with your debit or credit card number and forwards the payment to us for processing.

Getting started

What do I need to use Apple Pay on my iPhone/iPad?

Before you start, you’ll need the following:


  • iPhone 6, iPhone 6 Plus, iPhone 6s and iPhone 6s Plus or newer (for in-store and in-app purchases)
  • Or an iPad Air 2, iPad mini 3, iPad mini 4, iPad Pro or newer (for in-app only)
  • iOS 8.3 or newer
  • A passcode set up on your device (plus Touch ID if you want to use one-touch payment)
  • iCloud account
  • An eligible Rafidain Bank debit or credit card
  • An up-to-date email address and mobile phone number and recorded on your Rafidain Bank account. You can update your email address and mobile number by logging into the internet bank. You will need your card reader and customer number to log in.

What do I need to use Apple Pay on my Apple Watch?

You’ll need:


  • Apple Watch paired with iPhone 5 or newer (for in-store purchases)
  • The latest iOS on your paired iPhone
  • A passcode on your Apple Watch and wrist detection enabled
  • An iCloud Account
  • An eligible Rafidain Bank debit or credit card
  • An up-to-date email address and mobile phone number and recorded on your Rafidain Bank account. You can update your email address and mobile number by logging into the internet bank. You will need your card reader and customer number to log in.

The Apple Watch can only be used to make in-store payments.

How do I add a card to my device?

First, you’ll need to have downloaded Apple’s iOS 8.3 or later.  Then:

  1. Access the Wallet app and tap '+'
  2. Select 'Add credit or debit card'
  3. Select 'Use card on file for iTunes' or 'Use a different credit or debit card'
  4. Use the camera to read the card or enter card details
  5. Enter the 3-digit security number on the back of your card
  6. Read and accept the terms and conditions
  7. Choose to receive the 6-digit verification code by text or email*
  8. Enter the 6-digit verification code
  9. Set up is complete.

*You also have the option to call our Apple Pay Team in the contact centre, who can verify you and activate the service. There’s a number displayed in the app for this at the verification options stage. However, if your contact details are up-to-date, you shouldn’t need to do this.

We do not share your contact information with third parties, including Apple.



How do I make a payment?

In-store using the default card

iPhone:

  1. Hold your iPhone up to the contactless terminal
  2. Authorise the payment using Touch ID or your passcode
  3. A subtle vibration and beep confirms the payment using the default card

Apple Watch:

  1. Double-click the side button and present the watch to the terminal
  2. A subtle vibration and beep confirms the payment using the default card

In-store using a different card

iPhone:

  1. Open the Wallet app
  2. Select the card
  3. Present your iPhone to the terminal
  4. Use Touch ID or enter your passcode
  5. A subtle vibration and beep confirms the payment using the default card

Apple Watch:

  1. Double click the side button
  2. Swipe left or right to select the card
  3. Present the watch to the terminal
  4. A subtle vibration and beep confirms the payment using the default card

In-app using the default card

  1. Tap the Apple Pay logo
  2. Authorise the payment using Touch ID or your passcode
  3. The payment is made using your default card

In-app using a different card

  1. Tap the Apple Pay logo
  2. Select cards and billing
  3. Select the card
  4. Authorise the payment using Touch ID or your passcode
  5. The payment is made using the selected card

Pre-authorising a payment on your device (e.g. when using the London Underground)

While queuing, you can pre-authorise your iPhone to make a payment.  To do this, select your payment card, place your finger on Touch ID and the phone will make the payment when you present it to the terminal. (You have 1 minute to present the device to a payment terminal.)

How does Apple Pay differ to contactless payments?

Apple Pay uses your Apple device to make contactless transactions, so you don't need a contactless-enabled debit or credit card to use the service.

Contactless payments are subject to a limit per transaction, which is currently set at £30 in the UK.

Apple Pay contactless transactions using your Apple device have no such limit, but are subject to your available balance or credit limit. This is because you have to authorise any Apple Pay payment using Touch ID or your passcode, increasing the security over standard contactless transactions. However, merchants may have a limit set on their terminal.

In-app transactions are also limitless: as long as you have the available balance or credit limit, the transaction should be authorised.

Apple, iPhone, iPad and iPad Air are trademarks of Apple Inc., registered in the US and other countries. Apple Pay, Apple Watch, Touch ID and iPad mini are trademarks of Apple Inc.

Frequently asked questions