Lifepay Visa Virtual Card

See Apple’s official documentation here: https://www.apple.com/au/apple-pay/

a. How secure is an Apple Pay transaction?
i. Security and privacy are at the core of Apple Pay. Apple uses security features built-in to the
hardware and software of your device to help protect your transactions. Apple doesn’t store or
have access to your full card details, and these are never stored on your device or shared with
merchants when you use Apple Pay. Merchants are only provided with your Device Account
Number.
ii. Each transaction is authorised by your Face ID, Touch ID or the device passcode and a
confirmation is displayed in the Wallet. This shows the merchant name, where and when the
transaction occurred and the amount of the payment or refund.
iii. If you misplace your device you can use Apple’s Find My app service to remotely lock your
device or permanently erase the data on your device, including your card details to prevent
further Apple Pay transactions being processed.
iv. Subject to our Pre-paid Terms and Conditions, you are covered by our Fraud Money Back
Guarantee for any unauthorised purchases made with your Westpac card on Apple Pay. Subject
to our Deposit Account Terms and Conditions, you are covered for any unauthorised
transactions made on your pre-paid Card on Apple Pay.
v. More information on Apple Pay security and privacy: https://support.apple.com/enau/HT203027

a. Apple Pay is available on iPhone, iPad, Apple Watch, Mac with Touch ID, Mac with an Apple
Pay enabled iPhone or Apple Watch and the latest OS.
More information at https://support.apple.com/enau/HT208531 and https://support.apple.com/en-au/HT204204

To add your card to Apple Pay, you’ll need to have enabled either Face ID, Touch ID or a
passcode on your device, and an Apple ID signed in to your iCloud account. Ensure your region
is set to Australia and you have internet access.
Add your card to Apple Pay from our Mobile Banking app
  • Select the eligible card, and tap Add to Apple Wallet
  • Enter the SMS Protect Code to authenticate your identity and follow the prompts
  • Your eligible card is added to your Apple Wallet and ready to use.
Add your card to Apple Pay on an iPhone or iPad
   • On iPhone open the Apple Pay app and tap manual entry
   • On the iPad, go to Settings, tap Wallet & Apple Pay and tap Add Card
   • Follow the prompts, using your device’s camera to capture your card’s information, or enter the
      card details manually. Ensure your card number, expiry date, CVC and embossed name exactly
      match the details displayed on your physical card. You can change any scanned details that were
      incorrectly pre-populated or scanned by the Wallet. Tap Next
   • Read and agree to the Novatti Apple Pay Terms and Conditions
   • We may ask you to verify your identity via an SMS code for security purposes, your details are
      verified your card is added and ready to use
   • More information: https://support.apple.com/en-au/HT204506
Add your card to Apple Pay on an Apple Watch
   • You will need to pair your compatible iPhone device with your Apple Watch
   • Open the Apple Watch app on your iPhone, Tap Wallet & Apple Pay and tap Add Card
   • Follow the prompts, using your device’s camera to capture your card’s information, or enter
      the card details manually. Ensure your card number, expiry date, CVC and embossed name
      exactly match the details displayed on your physical card. You can change any scanned details
      that were incorrectly pre-populated or scanned by the Wallet. Tap Next
   • Read and agreed to the Novatti Apple Pay Terms and Conditions
   • We may ask you to verify your identity via an SMS code for security purposes, you may need
      to enter the SMS code, your details are verified your card is added and ready to use
   • More information: https://support.apple.com/en-au/HT204506

You can remove a card from Apple Pay at any time, the process is slightly different for each device.
iPhone or iPad
• Go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then scroll down
and tap Remove This Card
• Or open Wallet app, tap a card, tap the three dots, then scroll down and tap Remove This Card
Apple Watch
• On the iPhone, open the Apple Watch app, and go to the My Watch tab
• Scroll down, tap Wallet & Apple Pay, tap the card, then scroll down and tap Remove This Card
• Or tap Wallet on the Home screen of your Apple Watch, tap a card, press it firmly, and tap
Remove Card

Apple Pay is the easier, safer way to pay in stores, in selected apps and on participating websites with your iPhone, Apple Watch, iPad and Mac.* You can quickly check out using the devices you carry every day. Use Apple Pay wherever you see the Contactless symbol or Apple Pay mark.

*For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105.

The first card added to Apple Wallet is the default card. If you add more than one card, you can
change the default card at any time, the process is slightly different for each device.
iPhone or iPad
• Go to Settings > Wallet & Apple Pay, scroll down to Transaction Defaults
• Tap Default Card and choose a new card
Apple Watch
• On the iPhone, open the Apple Watch app, and go to the My Watch tab
• Scroll down and tap Wallet & Apple Pay > Default Card and choose a new card
Mac with Touch ID
• Go to System Preferences > Wallet & Apple Pay
• Choose a new card from the Default Card pop-up menu

You can pay with Apple Pay anywhere contactless payments are accepted, with your iPhone or Apple Watch. You will need to authenticate with either Face ID, Touch ID or your device passcode. Make sure you do not share your device passcode with anyone else or let anyone register their face or fingerprint on your device, as that person will be able to make Apple Pay payments and you will be responsible for their use of your card.

You can also use Apple Pay to make in-app payments and pay online with your eligible Visa prepaid card
For more information on how to use Apple Pay: https://support.apple.com/en-au/HT201239

Pay in store using Face ID

• To pay using Face ID and your default card, double-click the side button, glance at your iPhone to authenticate with Face ID. Once authenticated, you then have 60 seconds to make the payment using the device.
• Hold the top of the iPhone near the contactless reader until you see Done and a checkmark on the iPhone.
  

Pay in store using Touch ID

• To pay using Touch ID and your default card, rest your finger on Touch ID to authenticate
  while holding the top of your iPhone near the contactless reader until you see Done and a
  checkmark on the iPhone More information: https://support.apple.com/en-au/HT201239#stores

Pay with Apple Watch

• To pay using Apple Watch and your default card, you must have first entered your passcode when you first put your watch on your wrist. Double-click the side button on your Apple Watch and hold the display near the contactless reader.
• Wait until the watch generates a gentle tap. The screen will also display done and a checkmark.

Pay within apps or online
To pay in-app, look for the buy with Apple Pay icon or choose Apple Pay as your payment method
at checkout.

• Follow the prompts and confirm that your payment, shipping and contact information are all
  correct. Tap > to change any of the payment information
• Use Face ID or Touch ID to confirm your payment with an iPhone or Double Click the side button to confirm payment with an Apple Watch
  More information: https://support.apple.com/en-au/HT201239#inapp
• For online payments with your Mac with Touch ID, follow the prompts on the Touch Bar and place your finger on Touch ID when prompted to authenticate your payment

You can pay with Apple Pay anywhere Visa cards are accepted, with your iPhone or Apple Watch. You can also pay with Apple Pay in-app and on the web wherever you see the Apple Pay icon or buy with Apple Pay displayed using your Visa pre-paid card on the Visa payment network.

I can see my card in Apple Wallet but my transaction is declining, why?

Some possible reasons for why the transaction is declining even though the digital card still appears
in the Apple wallet include:

• Your physical card is not activated, has been blocked or closed
• Your card or the transaction account has insufficient funds or limit for the transaction
• An incorrect card PIN has been entered at the terminal
• The terminal does not support contactless payments

No, there are no additional fees to add your card or use Apple Pay.

If your device has been lost or stolen, you can prevent unauthorised payments being made with your card on Apple Pay by:

• Remotely locking your iPhone, iPad or Apple Watch using the Find My app service to mark as lost. The ability to make payments on the device is suspended when it is put in Lost Mode
• Permanently erasing all the data on your iPhone or iPad using the Find My app service. All your card information will be deleted from the device
• Placing a temporary block on your physical card via Novatti Customer Service
• Contacting Customer Care to report your physical card lost or stolen
• If you have reported your card lost or stolen, you will receive a replacement card, which will need to be activated before you can use it. You can use your digital card details to add your replacement card to Apple Pay while you wait for the physical card to arrive.

a. You can view the Novatti Apple Pay at https://novatti.com/apple-pay-terms-and-conditions/