Welcome to easy, fast and secure payments with Apple Pay

With Apple Pay you can make purchases using your compatible iPhone or Apple Watch. Add your Heartland Bank Visa Debit card to Apple Pay for a quick and easy way to tap and pay.


Apple Pay is easy to use with the devices you use every day – your iPhone, Apple Watch, iPad, and your Mac.


With Apple Pay, there's no delay, or looking for cards and wallets. There's no touch-and-go, when you tap and pay.


Paying with Apple Pay is secure and private, as your card details are not stored on your device or handed over at the point of sale.

Pay faster, easier and more securely with Apple Pay

Add your Heartland Bank Visa Debit card to Apple Pay for an easy way to tap and pay. View Apple Pay Terms and Conditions.

Terms and Conditions

Adding your card to Apple Pay

  • Open the wallet app, tap the “+” sign and follow the prompts
Apple Watch
Apple Watch
  1. Open the Watch app on your iPhone and tap “Wallet & Apple Pay”
  2. Tap “Add Credit or Debit card” and follow the prompts

How to use Apple Pay

Paying in store
Quickly pay in stores using your iPhone or Apple Watch.

iPhone Face ID
Double click on the side button, glance at your screen, then hold your iPhone near the reader.

iPhone Touch ID
Hold your iPhone near the reader with your finger on Touch ID.

Apple Watch
Double click the side button and hold your Apple Watch up to the reader.

Where can I use Apple Pay?
Apple Pay can be used anywhere you can tap and pay or anywhere you see this symbol. Apple Pay

Paying online or in apps
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.

Quick check out
Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer need to create an account or fill out lengthy forms.

Questions? We have answers

What is Apple Pay?

Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchases in stores, within selected apps and participating websites in Safari, on your Heartland Bank Visa Debit card.

How does Apple Pay work?

When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card number is never stored on your device or on Apple servers, and it can't be shared with merchants. Apple Pay doesn't keep transaction information that can be tied back to you, ensuring all purchases are private.

Which Apple devices are compatible with Apple Pay?

Apple Pay works with:

  • iPhone SE (and later versions) in stores, within apps, and on the web in Safari
  • iPad Pro, iPad Air 2, and iPad mini 3 (and later versions) within apps and on the web in Safari
  • Apple Watch in stores and within apps
  • Mac for payments on the web in Safari

View a full list of compatible Apple Pay devices, see here

Does it cost me anything to use Apple Pay?

No, it doesn't cost anything 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, contactless or chip and PIN transactions.

Apple Pay requires 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.

Can a single card be added to multiple Apple Pay wallets?

Yes, a card can be added to Apple Pay on multiple devices. Your card will need to be added to each device separately.

Can multiple cards be added to a single Apple Pay wallet?

Yes, but it depends on the device model as to how many cards can be added to Apple Pay. On newer devices, such as the iPhone X, you can add up to 12 cards, earlier models will allow you to add up to eight cards. The first card added to the device will become the default card, but this can be changed. You must be the owner of all cards you add.

Can I use Apple Pay to make cash withdrawals?

No. At this stage you can't use Apply Pay to withdraw cash. You'll need to continue to use your plastic card to complete these transactions.

Is there a transaction limit when using Apple Pay in store?

No, there is no transaction limit when using Apple Pay. For transactions over $100 you might be asked to enter your card PIN on the retailer's payment terminal.

Will I be able to view my Apple Pay transactions in my bank statement?

Transactions will appear as they normally do on a bank statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.

Where can I go to learn more?

Visit Apple Support for further information and refer to Apple Pay Terms.