Apple Pay™ FAQS

You can use your Apple iPhone® 6, 6 Plus, 6s or 6s Plus for in store purchases at Participating Merchants. You can also use your Apple Watch™, iPad Air® 2 or Mini™ 3 to make purchases online through Participating Apps. All devices must be running iOS 8.1 or later.

Note: Apple Watch can also be used for in-store purchases when paired with iPhone 6, 6 Plus, 5S or 5C.

Not all merchants are currently accepting Apple Pay. Click Here for a list of national merchants and apps currently accepting Apple Pay. You can also look for these symbols at checkout.

Vermont Federal's Visa® Platinum, Visa® Platinum Reward and Business Visa® Platinum Credit Cards as well as your Vermont Federal MasterCard® Debit Cards are available for use through Apple Pay.

Don't have a Vermont Federal Visa® Platinum Credit Card? Apply Online today!


1. Open Apple Wallet (for iOS 9 and up) or the Passbook® App on your eligible Apple device. Select "Set Up Apple Pay" then "Add a New Credit or Debit Card." If you're already using Apple Pay, swipe down and tap the "+" sign at the top right, then select "Add Another Card."

2. Type in your card information or simply tap the camera icon and take a picture of your card. Enter the three digit security code found on the back of your card and fill in any remaining information.

You're now ready to use your debit or credit card with Apple Pay! If you receive a prompt to contact Vermont Federal to verify your card for Apple Pay, this is not unusual. Call our Call Center at (888) 252-0202, Option 2 during normal business hours.

Yes, you can add your Vermont Federal debit and credit card to multiple eligible devices.

You can add up to eight cards to Apple Pay. To add another card:

  1. Launch Apple Wallet (for iOS 9 and up) or the Passbook App
  2. Click on the "+" button in the top right
  3. Select "Add Another Card"
  4. Enter your card information
  5. Enter the card's three digit security code located on the back of your debit or credit card and click "Next"
  6. Accept the terms and conditions

The first card you enter into Apple Pay automatically becomes your default card. If you would like to make your Vermont Federal debit or credit card your default card, simply open your device settings, open "Passbook & Apple Pay" then "Default Card" and select your debit or credit card as your default card.

To complete the enrollment process Apple Pay may require your account to have additional verification, this is not unusual. To verify your card, contact our Call Center at (888) 252-0202, Option 2 during normal business hours.

Yes. When completing transactions using your Vermont Federal debit or credit card with Apple Pay, your name, card number and security code aren't shared with the merchant. Your card numbers aren't stored on your device or on the Apple Servers.

The retailer only receives a transaction-specific code to process your payment. A new code is sent each time, only being used once, keeping your accounts better protected against fraud.

Yes, your Vermont Federal debit and credit cards are protected under the same card benefits as if you were to swipe your card to make the purchase.

If your iPhone is ever lost or stolen, you can use Apple's Find My iPhone feature to put your device in "Lost Mode". This will suspend Apple Pay. You can also call our Call Center at (888) 252-0202, Option 2 during normal business hours.

  1. To pay in stores, just hold your eligible iPhone near the merchant's card reader. Apple Wallet or the Passbook App should open automatically. If it does not, manually open the app on your iPhone.
  2. Select the card you would like to use
  3. Hold your phone near the merchant's card reader
  4. If you have Touch ID™ activated, the symbol will appear automatically. Otherwise, enter your passcode to complete the transaction.

To pay within apps, checking out is as easy as selecting "Apple Pay".

You will not need to show your Vermont Federal debit or credit card when using Apple Pay, though many merchants still don't have this technology, so you may want to bring your card with you to make purchases at non-participating merchants.

Apple Pay will replace your card number with a device account number. This means your card number will not be stored on the device or on Apple servers. This helps to reduce the potential for fraud.

There may be times the merchant asks for the last four digits on your card. When using Apple Pay, provide the merchant with the last four digits of your Device Account Number rather than the actual numbers on your card. To locate the Device Account Number:

  1. Select the "I" icon below the payment card in Apple Wallet or the Passbook App (this information icon is small in size and located in the bottom right hand corner.
  2. The last four digits of your Device Account Number are shown on this screen.

Touch ID is the fastest way to complete your transaction. With Touch ID, you use your thumb print to authorize the use of your card with Apple Pay. Touch ID can also be used with many other features on your phone such as unlocking your phone or making purchases in iTunes. To set up Touch ID:

  1. Open the Settings on your phone
  2. Select the "Touch ID & Passcode" menu option
  3. Follow the onscreen instructions to complete the Touch ID set up


Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.




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