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Apple Pay FAQs

Apple Pay Frequently Asked Questions

Apple Pay allows you to pay for your purchases with your iPhone® 6 or iPhone 6 Plus by holding your phone near a contactless reader. You can also use your iPhone, iPad Air™ and iPad Mini™ 3 to pay within certain apps.
  • iPhone 6 or iPhone 6 Plus to pay in stores and within apps
  • iPad Air™ 2 or iPad Mini 3 to pay within apps
  • iOS 8.1.1 or later
  • Touch ID™ or passcode on your device
  • iCloud® account
You can use all regular checking account debit cards.
Apple Pay uses a graphical representation, not an exact replica of your L&N Federal Credit Union card.
The credit or debit card associated with your iTunes® account or the first card you add to Passbook® is your default card. To change your default card:
  • Go to Settings > Passbook & Apple Pay.
  • Tap Default Card.
  • Choose a new card.
Yes. When you use Apple Pay, your L&N Federal Credit Union card number isn't stored on your phone or given to the merchant. A unique digital code is created specifically for that device.
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.
Adding your debit card to Apple Pay is your choice; you can add and remove cards when needed.
You can currently use Apple Pay at more than 220,000 locations, and the list is growing every day. You can visit and other third party websites to review updated lists daily.
Yes. Be aware that message and data rates may apply, depending on your data plan.
More information is available at