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Apple Pay® - Now Available!


Apple Pay allows you to easily and securely make purchases at participating merchants with virtual GSCU Visa® Debit Cards using supported Apple devices. You can also use it on your Apple devices to make purchases in shopping apps.

Learn how to set up and use Apple Pay on your devices.

1. Open the Wallet® App, swipe down, and tap the plus sign.
2. Use your iSight® camera to enter the card or add it manually.
3. To pay in-store, move your device near a contactless reader with your thumb on Touch ID.
4. A subtle vibration and tone let you know your payment has been processed.

Frequently Asked Questions
What is Apple Pay?
What do I need to get started with Apple Pay?
Are my payments safe with Apple Pay?
How do I change my default card to my Granite State Credit Union card?
How are my privacy and personal information protected?
Am I able to opt out of Apple Pay at any time?
Which merhants are participating?
What should I do if my iPhone, iPad or Apple Watch is lost or stolen?
What should I do if my iPhone or iPad is stolen?
Where and how can I use Apple Pay to pay in a store or within apps?
Will I continue to earn rewards and benefits from my debit cards when I pay using Apple Pay?
How do I return an item that I bought using Apple Pay in a store?
Is Apple Pay free?
Where can I get more information on Apple Pay?

What is Apple Pay?
Apple Pay allows you to pay for your purchases with your iPhone® 6 or newer by holding your phone near a contactless reader. You can also use your phone, iPad Air™ and iPad Mini™ 3 to pay within certain apps.

What do I need to get started with Apple Pay?
  • iPhone 6 or newer to pay in stores and within apps
  • iPad Air 2 or iPad Mini 3 to pay within apps
  • iOS 8.1 or later
  • Touch ID™ or passcode on your device
  • iCloud® account
Are my payments safe with Apple Pay?
Yes. When you use Apple Pay, your Granite State Credit Union debit card number isn't stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your Granite State Credit Union debit card.

How do I change my default card to my Granite State Credit Union card?
The debit card associated with your iTunes® account or the first card you add to Wallet® is your default card. To change your default card:
  1. Go to Settings > Wallet & Apple Pay
  2. Tap Default Card
  3. Choose new card
How are my privacy and personal information protected?
Since Apple Pay doesn't store your debit card number on the device, you never reveal your name, card number or security code to merchants.

Am I able to opt out of Apple Pay at any time?
Adding your debit card to Apple Pay is your choice; you can add and remove cards when needed.

Which merhants are participating?
You can use Apple Pay at more than 220,000 locations, including McDonald's®, Macy's®, Nike®, and Staples®.

What should I do if my iPhone, iPad or Apple Watch is lost or stolen?
With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad or Apple Watch.

What should I do if my iPhone or iPad is stolen?
You can go to icloud.com/find or use the Find My iPhone app or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your credit union to suspend or remove your cards from Apple Pay. Learn more about what to do it your iPhone is lost or stolen.

Where and how can I use Apple Pay to pay in a store or within apps?
You can use Apple Pay with your iPhone 6 or newer and Apple Watch to pay in stores that accept contactless payments. Look for one of these symbols at checkout:



Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments, including Apple Pay. If you can’t use Apple Pay at a store that is displaying the contactless payment symbol, please let us know using our Apple Pay feedback form.

On iPhone 6 or newer, iPad Air 2 and iPad mini 3, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay or Apple Pay button as a payment method. Look for these buttons in apps:


Will I continue to earn rewards and benefits from my debit cards when I pay using Apple Pay?
Yes. When you pay using Apple Pay, you’ll continue to get the rewards, benefits and security that your debit card provides.

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number for your iPhone or iPad, go to Wallet, tap the card, and tap . For your Apple Watch, open the Apple Watch app on iPhone, tap My Watch > Wallet & Apple Pay. Tap your card to select it and see the Device Account Number. Apple Pay activity is also included on your credit and debit card statements.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment:
  1. On the device that you used to make the original payment, select the card that you want to be refunded.
  2. On your iPhone, hold the device near the reader and authorize the return with Touch ID or passcode. On your Apple Watch, double-click the side button and hold the face of your Apple Watch a few centimeters from the contactless reader. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement.
Is Apple Pay free?
Yes. Be aware that message and data rates may apply, depending on your data plan.

Where can I get more information on Apple Pay?
More information is available at apple.com.
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