Apple Pay

Try it Today!

Notice: All members are able to sign up for this service today, however, legacy Crosstown Civic members are unable to process the verification and activation steps independently without assistance from once of our branch or Member Solutions Centre team members. This self-serve feature will be available to legacy Crosstown Civic members on or after June 9, 2021.

It’s Easy: Paying with Apple Pay is as easy as holding your iPhone to the payment terminal and clicking a button.

It’s Secure: Your actual card number is never stored on your device and your card details are never shared during a transaction, so you know your purchases are safe and secure.

Get started with Apple Pay

What you’ll need:
  1. An eligible iPhone: Apple Pay works on the iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone SE.
  2. Your physical Access Credit Union debit card
  3. Access 24/7 Mobile App
  4. Apple Wallet

Add a card to Apple Pay

Access 24/7 Mobile App:
  1. Log into the Access 24/7 Mobile App
  2. Click on “Settings”
  3. Select “Apple Pay”
  4. Follow the onscreen instructions to add your Access Credit Union debit card
  1. Open the Wallet app
  2. Tap the plus sign in the upper right corner
  3. Follow the onscreen instructions to add your Access Credit Union debit card

Using Apple Pay

iPhone: Hold your iPhone to the payment terminal with your finger on the home button. A beep and vibration will confirm your payment information has been sent.

Apple Pay transactions will show a tick mark with a “Done” message whether the transaction is successful or declined.

Frequently Asked Questions (FAQs) Expand/Collapse

Is Apple Pay free?

Yes, there are no fees to use or register your card with Apple Pay. Each transaction in Apple Pay will count as an additional transaction, if you pay transaction fees for your account. Your wireless carrier may charge additional fees for data usage.

Which Access CU cards can I use with Apple Pay?

Access Credit Union’s debit cards are currently available for Apple Pay. At this time, Apple Pay is available only for our non-business members. You can have up to 8 cards in Apple Pay on any individual device! You can add your card to one or more eligible Apple devices.

How many devices can I add my card to?

There is no maximum number of devices to which you can add your debit card for Apple Pay. However, you are responsible for verifying the validity of the debit card on that device, and for any charges made with the card to the account – unless there has been a fraud.

In the Apple Wallet, I am being asked to provide an expiration date for my debit card. What happens if my debit card does not have an expiration date?

All the eligible debit cards have an expiration date embossed on the front of the card. If you are unable to view the expiration date or are unsure what it is please call our Member Contact Centre at 1.800.264.2926 and we will be able to assist you.

How do I make my Access Credit Union debit card the default card in Apple Pay?

The first card added to Apple Pay is automatically set to be the default card. To change your default card, open the Wallet app, hold and drag your Access debit card to the front. You may also:
  1. Open “Settings” and select “Wallet & Apple Pay”
  2. Select “Default Card” under “Transaction Defaults” and choose your Access CU card.

On which devices will Apple Pay work?

Apple Pay works on the iPhone X, iPhone 8. iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone SE.

Which devices can I use for in-store payments?

Every eligible iPhone can make in-store payments.

Does Apple Pay work internationally?

Apple Pay using your debit card works wherever INTERAC® Flash is accepted. At this point, INTERAC Flash is only accepted in Canada.

Do I need network access to make a purchase?

No. Your phone (powered and unlocked) has everything you need to complete a purchase at a retailer, whether or not you have network access at that time. As with card purchases, you may not complete a purchase if the retailer’s POS terminal is off-line or unavailable. You will need network access to receive transaction notifications from Apple.

Which merchants accept Apple Pay?

Apple Pay is accepted by many retailers, with more being added all the time. Just look for retailers that display the Apple Pay or contactless logo for in-store purchases. To view a list, visit

Is there a maximum dollar amount for a purchase?

No, there is no maximum value for Apple Pay transactions, since each purchase is verified within Apple Pay using Touch ID or passcode (as long as you do not exceed your debit card ATM and Point-of-Sale (POS) daily spending limit).

Am I subject to a daily spending limit?

Access will continue to monitor your total spending limit across the payment services that access your account, including your debit card at retail locations, banking machines and now Apple Pay. Apple Pay purchases will be subject to this total limit, which helps protect you from unauthorized use or access to your account.

Is my account number stored on my phone?

No, your account number is replaced with a secure digital number known as a token. The token represents your Access CU card and is used to make secure purchases, both in-app and in-store.

How is Apple Pay secured?

Each Apple Pay transaction requires your authorization through TouchID or a passcode. Your card number is not shared with the merchant or saved on your iOS device, instead using a secure token to complete the purchase.

How do I do a refund?

Refunds are initiated by the merchant at their POS terminal, following the same rules as refunds do today. It is recommended that you bring your physical card with you.

What if my device is lost or stolen?

If you have any reason to believe your debit card details used for Apple Pay have been stolen or compromised, please call us at 1.800.264.2926. You can remove your card remotely using Apple’s “Find my iPhone”.

If I switch Access debit cards, do I have to update Apple Pay?

Yes, please delete the previous card and add the new card as normal.

Can I remove my card from Apple Pay?

To remove a card from Apple Pay on an iPhone:
  1. Open your Wallet App and select the card you would like to remove
  2. Touch the information button in the bottom right corner (underneath recent transactions)
  3. Select “Remove Card”

I'm having trouble with Apple Pay. Who do I contact?

If you are having difficulty with Apple Pay, please call us at 1.800.264.2926 and we will be happy to assist you.

Apple Pay® is a trademark of Apple Inc., registered in the U.S. and other countries.

iPhone® are registered trademarks of Apple Inc.

®Trademark of INTERAC Inc. Used under license.


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need help?


1.800.264.2926 (North America Toll-Free)