Apple Pay®

Pay with your BankIowa cards using Apple Pay.

Apple Pay is protected by unique security features built into the app and Apple® devices.  It uses Face ID® and Touch ID® authentication to make your contactless payments quick, easy, and secure.

Apple Pay will change the way you shop!  Adding your BankIowa credit or debit cards to your Apple device’s Wallet app will allow your iPhone® or Apple Watch® to act as your wallet at store checkouts.  The Wallet app will also store your purchase information so you can keep track of your recent transactions.

You can also use your iPhone, iPad®, or Apple Watch to make fast, secure purchases online or within apps.  You will still get all the rewards, benefits, and securities your BankIowa cards provide.

Set up and use Apple Pay on your Apple device


Add a card to your iPhone, iPad, or Apple Watch:

  1. Access the Wallet app on your device.
    • iPhone: Go to Wallet and tap the plus icon in the upper-right corner
    • iPad: Go to Settings then Wallet & Apple Pay and tap “Add Credit or Debit Card”
    • Apple Watch: Open the Apple Watch app on your iPhone and go to the My Watch tab. Tap Wallet & Apple Pay then tap “Add Credit or Debit Card”
  2. If your card is already on file with iTunes, enter the card’s security code. Otherwise, use the camera to capture the information on the front of your card.  Enter any additional information needed, including the security code found on the back of your card.  Tap Next.
  3. BankIowa will need to verify your information before your card is added to Apple Pay. You will be asked to verify a one-time verification code that can be sent via text or email.  If we need more information, you will be prompted to call 1-844-392-3685 to provide additional verification to complete the process.  You can verify your card any time after you add it to Wallet.  Just return to Wallet and follow the steps.
  4. After your card is verified you can start using Apple Pay.

Pay with Apple Pay in stores:

  1. When given the option to use Debit or Credit, choose Credit.
  2. To pay with an iPhone, place within a few centimeters of the contactless reader with your finger held on Touch ID until you see ‘Done’ and a checkmark on the display. To use Face ID, double-click the side button, authenticate using Face ID, and then hold your iPhone close to the contactless reader until the display reads ‘Done’ with a checkmark.
  3. To pay with Apple Watch, double-click the side button and hold the Apple Watch display close to the contactless reader until you feel a gentle tap. A subtle vibration lets you know your payment information was successfully sent.  
  4. Depending on the store and transaction amount, you may need to enter your card’s PIN or sign a receipt.

Pay with Apple Pay in apps:

  1. Tap the “Apple Pay” button or choose Apple Pay as your payment method.
  2. Review your payment information and contact details. Enter other billing, shipping, and contact information if necessary. Apple Pay will store the information so you won't need to enter it again.
  3. Confirm the payment on iPhone by using Touch ID or Face ID, on iPad by using Touch ID or your passcode, or by double-clicking the side button on Apple Watch.

Pay with a different card on your Apple device:

  • iPhone X or later: Double-click the side button. You'll see your default card on your screen. Tap the default card then tap to choose another card. Glance at your iPhone to authenticate with Face ID then hold your device near the contactless reader to complete the payment.
  • iPhone 8 or earlier: Hold near the contactless reader without placing your finger on Touch ID. Your iPhone will wake up and you'll see your default card on your screen. Tap the default card then tap to choose another card. Place your finger on Touch ID to complete the payment.
  • Apple Watch: Double-click the side button. You’ll see your default card on your screen. Swipe left or right to choose another card then hold your watch near the contactless reader to pay.

Questions? Click here to read our Apple Pay FAQ.


Apple, Apple Pay, iPhone, iPad, Apple Watch, Touch ID, Face ID, and the Apple Pay logo are trademarks of Apple Inc.