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SERVICE ONE Alliance Bank Visa debit and credit cards can now be added to digital pay solutions Apple Pay, Google PayTM and Samsung Pay. Use the tabs below to find out how to add cards and transact depending on the device you're using.


 

Using Apple Pay is simple and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps and on the web has never been easier, safer, or more private.

Adding a card on iPhone

  1. open the Wallet app
  2. tap the plus (+) sign in the upper-right corner, follow the prompts
  3. add the card details by either:
    - entering the card’s security code to add the credit or debit card you use with iTunes7
    - using the camera to capture the card information
    - typing the card details in manually
  4. follow the remaining prompts which will include a verification check (choose from a One-Time Password sent to a mobile phone or email or phone the card verification line as indicated)

OR 

  1. open the SERVICE ONE Alliance Bank App
  2. tap the menu option on the top left and then select 'cards'
  3. bring the card you want to add to your Wallet App into focus, tap 'Add to Apple Wallet' and follow the prompts

Changing the default payment network

When you add your SERVICE ONE Alliance Bank Visa Debit card to Apple Pay, the card will be defaulted to the Visa network for payments with Apple Pay (to minimise fees, Members are encouraged to maintain the default option of Visa). To change the payment network:

On iPhone

  1. open the Wallet app
  2. tap on your SERVICE ONE Alliance Bank Visa Debit card
  3. tap the  symbol and choose the network
  4. you can also change the payment network prior to tapping your device. Simply, authenticate, choose network on screen, then tap device for payment

On Apple Watch

  1. double-click the side button and select your SERVICE ONE Alliance Bank Visa Debit card
  2. firmly press the display and choose the network

Making a payment in store with an iPhone

  1. to use your default card, double-click the side button or the home button (depending on device), then glance at your iPhone to authenticate with Face ID, enter your device passcode OR rest your finger on Touch ID (dependent on the second-level security being used on the device)
  2. hold the top of your iPhone within a few centimetres of the contactless reader until you see Done and a tick on the display

Making a payment in store with an Apple Watch

  1. to use your default card, double-click the side button and hold the display of your Apple Watch within a few centimetres of the contactless reader.
  2. wait until you feel a gentle tap
When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated

Learn more on how to use Apple Pay.


  More about Apple Pay:
  • You can make a payment within an App or participating website if you can see the Apple Pay icon during checkout. Enter your billing, shipping and contact information (you should only have to do this once as Apple Pay will store that information). If you want to pay with a different card, tap > next to your card. When you are ready, make the purchase by completing the device's second-level security (Passcode etc.) and once the payment information sends successfully, you'll see 'Done' and a checkmark on the screen.
  • You can make a payment on a website using a Mac but the Mac needs to be signed into the same iCloud account as the iPhone and have Bluetooth enabled on your Mac. Follow the prompts.
  • You can view the last 10 transactions made using Apple Pay on that device within the Wallet app. eftpos transactions made using your SERVICE ONE Alliance Bank Visa debit card with Apple Pay can currently only be viewed via Internet banking and/or the SERVICE ONE Alliance Bank app. Apple Pay transactions will appear on bank or credit card statements.
  • Your card details are not stored on the device or in the Cloud. Instead, when a card is added to Apple Pay, a Device Account Number replaces the need for the card number. This Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigend to. The Device Account Number can be found by opening the Wallet app, tap the card, then tap the  symbol in the top right corner and then scrolling down to find Device Account Number.
  • A single card can be added to Apple Pay on up to nine different devices but the card will need to be added to each device separately.
  • Up to eight cards can be added to Apple Pay on a single device. The first card added to the device becomes the default card but you can change the default card.

Apple Pay FAQs

  What is Apple Pay and which Apple devices can I use?

Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch, iPad or Mac to make secure contactless purchase in stores, within selected apps and participating websites. 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. Click here for a list of compatible Apple Pay devices.

  Does it cost me anything to use Apple Pay?

No, it does not cost you anything extra to use Apple Pay.The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions. You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.

  How do I set up Apple Pay and add cards?

You do not need to download any additional app to use Apple Pay. The latest version of iOS and watchOS is required to set up cards in Apple Pay. More on setting up Apple Pay. Adding a card to Apple Pay is different depending upon device:

Apple Watch

  1. open the Apple Watch app on your iPhone
  2. tap Wallet & Apple Pay and then Add a new Credit or Debit Card, follow the prompts
  3. add the card details by either:
    - entering the card’s security code to add the credit or debit card you use with iTunes
    - using the camera to capture the card information
    - typing the card details in manually

iPad

  1. go to Settings
  2. tap Wallet & Apple Pay and then Add Credit or Debit Card, follow the prompts
  3. add the card details by either:
    - entering the card’s security code to add the credit or debit card you use with iTunes
    - using the camera to capture the card information
    - typing the card details in manually
  How do I activate my card with Apple Pay?

For security purposes, when a new card is added to Apple Pay we’ll ask you to complete a verification check before it can be used with Apple Pay. We’ll either:

  • send a one-time password to the mobile phone number you have registered with us
  • send a one-time password to the email address you have registered with us
  • ask you to call us on 1800 857 959 and answer some security questions
  • direct you to our mobile banking application to activate your card with Apple Pay.
  Where can I use Apple Pay?

You can use your device to make a payment using Apple Pay in stores or anywhere you can tap and pay. Apple Pay can also be used within apps or on participating websites wherever they see the buy with Apple Pay mark.

  How do I make payment within an app or on participating websites?

With your iPhone, iPad and Apple Watch, you can use Apple Pay to pay within apps and on participating websites when you see Apple Pay as a payment option. 

To pay with Apple Pay within an app:

  1. tap the Apple Pay button or choose Apple Pay as your payment method
  2. check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap > next to your card
  3. if you need to, enter your billing, shipping and contact information on your iPhone or iPad. Apple Pay will store that information, so you won't need to enter it again
  4. confirm the payment. When your payment is successful, you'll see Done and a tick on the screen

To pay with Apple Pay on the web in Safari using iPhone or iPad):

  1. tap the Apple Pay button
  2. check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap > next to your card
  3. if you need to, enter your billing, shipping and contact information. Apple Pay will store that information, so you won't need to enter it again.
  4. when you’re ready, make your purchase and confirm the payment
  5. when your payment is successful, you’ll see Done and a tick on the screen.
  Is there a transaction limit when using Apple Pay in store?

No, there is no transaction limit for Apple Pay transactions. Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

  How do I return an item purchased with Apple Pay in stores?

You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card. You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet app and tapping the (...) symbol in the top right corner and then scrolling down to find Device Account Number.

  Can I get cash out with my SERVICE ONE Alliance Bank Visa Debit card with Apple Pay? 

You may be able to get cash out at selected merchants with your SERVICE ONE Alliance Bank Visa debit card by selecting 'eftpos CHQ' or 'eftpos SAV' in Apple Pay.

  Is Apple Pay secure?

Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer. Other features which help to keep your payments secure and safe include:

iPhone and iPad - all transactions require authentication using Face ID, Touch ID (if enabled), or by entering the device passcode.

Apple Watch - payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.

Please note, you should never share your device passcode, or register more than one person’s Face ID, or Touch ID, while your card is registered to Apple Pay. 

  How do I change my default card? 

The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:

iPhone

  1. open the Wallet app 
  2. touch and hold your finger over the card you want to make the default card
  3. drag the card to the front of the cards in the Apple Pay section

Apple Watch

  1. open the Watch app on your iPhone
  2. go to the My Watch tab
  3. tap Wallet & Apple Pay and then Default Card
  4. choose a new card

iPad

  1. go to Settings 
  2. tap Wallet & Apple Pay and then Default Card
  3. choose a new card
  How do I remove a card from Apple Pay? 

To remove a card from Apple Pay you must follow these steps:

iPhone

  1. open the Wallet app 
  2. select the relevant card and then tap  symbol in the top right corner to see all the card details
  3. scroll down and select Remove Card

Apple Watch

  1. open the Watch app on your iPhone
  2. go to the My Watch tab
  3. scroll down and tap Wallet & Apple Pay
  4. tap the card and then tap Remove Card

iPad

  1. go to Settings 
  2. scroll down and tap Wallet & Apple Pay
  3. tap the card and then tap Remove Card

Please note, if you remove your device passcode or Face ID, Touch ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.

  How do I update my SERVICE ONE Alliance Bank card in Apple Pay to include the eftpos payment network?

To update your Card on iPhone 

  1. remove your SERVICE ONE Alliance Bank card from Apple Pay on your iPhone - open the Wallet app, tap your SERVICE ONE Alliance Bank card, tap , then tap Remove Card.
  2. add your SERVICE ONE Alliance Bank card back into Apple Pay on your iPhone - open the Wallet app, tap the “+” sign in the upper-right corner then tap ‘Add a Different Card’ and follow the prompts (do not choose previously provisioned card option)

To update your card on Apple Watch

  1. remove your SERVICE ONE Alliance Bank card from Apple Pay on your Apple Watch - open the Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, tap the card, then tap Remove Card.
  2. add your SERVICE ONE Alliance Bank card back to Apple Pay on your Apple Watch
  3. open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay”, tap "Add Card” and select ‘Add a Different Card’ at the bottom of the screen, follow the prompts (do not choose previously provisioned card option)
More information on updating your eligible dual-network debit card in Apple Pay to include eftpos.
  What should I do if my card or device is stolen?

If my card is lost or stolen? 

You should contact us straight away on 1300 361 761 so the lost or stolen card can be cancelled and no further purchases made. When the replacement card is issued we will automatically update Apple Pay with your new card details. You can continue to make purchases using Apple Pay before your new card arrives. You may be limited to transactions under $100 until your new PIN arrives. 

If my iPhone or iPad is lost or stolen?

If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into iCloud.com and remove all cards from Apple Pay remotely. If you do not have the app you should contact us on 1300 361 761 to request that your card be disable for use with Apple Pay. 

If my Apple Watch is lost or stolen?

You should contact us on 1300 361 761 to request that your card be disable for use with Apple Pay. You should also go to iCloud.com and remove your card from Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally. 

More information if your iPhone, iPad or iPod touch is lost or stolen.

 


 

Adding a card

  1. download the Google Pay App from the Google Play Store
  2. open the Google Pay App
  3. go to Payment and add a payment method
  4. either take a photo of the physical card or enter the card details manually
  5. follow the remaining prompts which will include a verification check (choose from a One-Time Password to a mobile phone or email or phone the card verification line as indicated)

Making a payment in store

  1. simply wake your device - there's no need to launch the App or authenticate
  2. hold the device near the POS terminal when the merchant requests the payment

  More about Google Pay:
  • You can use Google Pay almost anywhere contactless payments are accepted - just look out for the payWave and Google Pay logos. You can also make in-app purchases when you see ‘buy with Google Pay’ and in participating mobile apps.
  • The first card you upload to Google Pay will be your preferred card. You can swap your preferred card at any time within the Google Pay App.
  • As long as you have an Android phone running Lollipop 5.0 or above that is NFC enabled you should be fine to use Google Pay. To check the operating system on your device, go to Settings - About - Device - Android version.
  • Don't get confused between Google Pay and Google Wallet - Google Wallet is a separate App that allows you to send and request money but Google Pay is the App you want to add SERVICE ONE Alliance Bank cards and to be able to transact on these cards digitally.

 

Adding a card

  1. open the Samsung Pay App and sign in using your Samsung ID
  2. register your fingerprint and device Passcode that you'll use to authorise payments (if you have a Galaxy S8 or Galaxy S8+ or later you can also scan your irises to authenticate)
  3. either take a photo of the physical card or enter the card details manually and provide your signature when prompted
  4. follow the remaining prompts which will include a verification check (choose from a One-Time Password sent to a mobile phone or email or phone the card verification line as indicated)

Making a payment in store

  1. swipe-up from the home button or open the Samsung Pay App
  2. bring the card into focus that you want to use for the payment
  3. you will need to authenticate depending on the second-level security being used on the device (Passcode, fingerprint or iris recognition)
  4. hold the device near the POS terminal when the merchant requests the payment

  More about Samsung Pay:
  • You can pay on the web where Samsung Pay is available by selecting Samsung Pay as the payment method during checkout and then authenticate with your fignerprint, Passcode or iris scan. 
  • Near Field Communication (NFC) and Magnetic Secure Transaction (MST) support means that Samsung Pay is accepted virtually anywhere you can pay by tapping or swiping your card. MST technology means Samsung Pay can be used almost everywhere around the globe.
  • You can add up to 10 payment cards to Samsung Pay.
  • Find out what devices are compatible with Samsung Pay.
  • There is no default card in Samsung Pay. When you open the App or activate the Simple Pay feature by swiping up from the home key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.
  • Samsung Pay uses Tokenisation, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify either using your fingerprint, iris scanner (Galaxy S8 and Galaxy S8+ devices (or later) only) or a 4-digit Passcode when making purchases. For out more about Samsung Pay security features.

 

 

Fraud monitoring

Digital pay transactions are protected by our 24/7 fraud monitoring service.

Find out more
 

New Payments Platform

Are you using the NPP to send and receive instant payments?

Find out more
 

Credit Card

Our low rate, low fee credit card with interest free period provides access to extra funds should you need it.

Find out more

 

Digital pay FAQs

  What SERVICE ONE Alliance Bank cards can be used for digital payments?

The Visa debit and Visa credit cards can be added to the digital wallet solutions. The rediCARD cannot be used as it does not have contactless functionality.

  Are these digital payments secure?

The actual debit or credit card numbers are not stored on your phone or device, so your card details are safe. Additional information on security measures can be found in the specific 'More about' expand areas for each of the digital pay solutions.

  Does it cost anything to use digital payments?

No. These are treated as contactless Visa transactions and go through the credit network - refer to the SERVICE ONE Alliance Bank Schedule of Fees and Charges for details. Keep in mind some retailers may apply a Visa credit surcharge to purchases and this applies to digital payments. In addition, retailers now have the option to push contactless payments through as EFTPOS transactions (SAV) so this may impact fees you are charged. You require an active data plan or Wi-fi connection to add a card to a digital wallet and based upon your mobile plan and network, additional message and/or data charges may apply.

  Why are the mobile phone or email details used to verify a new card not the same as the details registered with SERVICE ONE?

The digital pay solutions use the same details linked to your device (so for instance, on an iPhone the device uses the same details linked to the App Store).

  I'm trying to add a brand new card to a digital wallet but I only get one option to authenticate the card and that's to phone the card veritifcation line - why?

This is generally because you have not transacted on the card yet. If you transact using the physical card first you should then see all three verification options (OTP to SMS or email or the card verification line) and if your only option is the card verification line, conducting a transaction will help as they will ask details of the last transaction on the card to then authenticate the card to add to your digital wallet.

  The POS terminal in store is not accepting payment from my device - why?

The POS terminal must be equipped to process contactless transactions. Some device cases can also interfere with the transmitting of the necessary information - try turning the phone over so the phone screen is closest to the POS terminal or you may need to remove the device from the case. In addition, once you authenticate to process a digital payment, some devices will give you a certain timeframe to complete the transaction - if this time passes the device will stop transmitting the necessary information. In this case, you should repeat the process.

  What is the transaction limit with digital payments?

As digital payments are processed as contactless (payWave) transactions, the transaction limit is under $100. For transactions over $100 you might be asked to enter your card PIN into the POS terminal.

  I made a digital payment for over $100 and it did not ask for my PIN - why?

Certain POS terminals recognise a biometrics authentication such as fingerprint or Face ID on an iPhone to authorise a transaction and therefore do not require additional verification such as the PIN. 

  Does this work on Apple Watch and other similar devices?

Yes. On these devices you should open the wallet App, select the 'Add a card' option and follow the prompts. To then make a payment with Apple Watch, you need to double-click the side button and hold the display up to the POS terminal. A beep confirms that your payment information was sent.

  How will digital pay transactions appear on my statements?

Transactions will appear as standard Visa transactions. It is not possible to show if a transaction was made using a digital pay solution, contactless card or chip and PIN.

  I'm seeing a 'Visa Provisioning Service' transaction on my account - what is this?

If you see a pending transaction for $0.00 with the description 'Visa Provisioning Service (USD)' on the account your SERVICE ONE Alliance Bank card is linked to (the same card that you've just added to a digital wallet), this is part of the authentication process and there is no need to be alarmed. It will disappear after a few days. Of course, if you have any concerns about any transactions on any of your accounts, phoneus on 1300 361 761 immediately.

  Can refunds be processed to cards in digital wallets?

Some merchants will be able to process refunds back onto cards within digital wallets. If they can, you simply bring the card into focus that you want the refund processed to and then authenticate (if required) and then hold the phone to the POS terminal. Some merchants may need to process the refund using the physical card and a more traditional transaction.

  I've just received a renewal card - will I need to update the card details in my digital wallet?

No, the renewal card will automatically replace the existing linked card in your digital wallet.

  What should I do if my card is lost or stolen?

If you feel you've misplaced a physical card but it's in a secure environment and you are confident of finding it, you can use the SERVICE ONE Alliance Bank App to temporarily lock the card. This will also stop the card from working in a digital wallet. Once you've found the card, simply unlock and start using it again. If the card is permanently lost or stolen, you should immediately either use the SERVICE ONE Alliance Bank App to report the card lost or stolen or phone us on 1300 361 761.

  What should I do if my device is lost or stolen?

If your device is lost or stolen, if available you can use the Find My Mobile service to remotely lock or wipe your device (also locking or wiping the digital wallet and all the payment cards registered in it). You can also contact SERVICE ONE to cancel linked card(s) as this will also cancel them within the digital pay environment.

  Can I add, remove and manage cards myself in the digital wallets?

Yes. Within the digital wallet App, you can add and remove cards yourself. If you report a card lost or stolen, you may need to remove the cancelled card depending on the digital pay solution you use. Keep in mind you can also add loyalty cards to your digital wallet for convenience but there are limits on the number of cards that can be stored in your digital wallet.

 

  Related information:

 

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

Google Pay, the Google logo and the Google Play logo are trademarks of LLC.

Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.