Apple Pay FAQs

 You can use any Interra debit card, except Interra's HSA debit card. Interra's consumer MasterCard Platinum and Classic credit cards are also available in Apple Pay.

Hold the iPhone or Apple Watch near the payment reader while placing your finger on the Touch ID to complete the payment. You won't need to open an app or even wake the phone display. You will see "Done" and a checkmark on the screen when the payment information has been successfully sent.

The "Find My iPhone" app can suspend all payments in the event of a lost or stolen device.

  • Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode
  • Your card number and identity aren't shared with the merchant, and your actual card numbers aren't stored on your device or on Apple servers
  • Apple Pay’s secure system uses a method called tokenization, designed to protect your account by assigning a unique, randomly generated, Device Account Number. This number (or “token”) is stored securely on the Secure Element chip embedded in the iPhone
  • When you make a purchase, this number is paired with a dynamic, transaction-specific security code to process your payment
  • Merchants’ cashiers will not see your card number, account number or security code when you make a purchase through Apple Pay and your card never has to leave your wallet
  • For more information about security, please visit Apple Pay's Privacy and Security page

Apple Pay uses the Near Field Communication (NFC) antenna, the “TouchID” fingerprint scanner and a Secure Element chip built in to iPhone to securely send encrypted payment data to an NFC sensor at the point of sale. Completing a transaction is easy, just hold your iPhone near a contactless reader while holding your finger on Touch ID. For more information, please visit Apple's website.

 Apple doesn’t save your transaction information. Apple Pay doesn’t store the details of your transactions so they can’t be tied back to you. Your most recent purchases are kept in Passbook for your convenience, but that’s as far as it goes.

Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment. 

No, there is no fee to use Apple Pay.

The first card you add will be your default payment card, but you can always choose a different card when you have all of your cards loaded.
  •  iPhone - Add additonal cards within the Passbook app. Tap the plus sign and follow the onscreen instructions
  • iPad Air & Mini - Open Settings, tap "Passbook & Apple Pay", then "Add Credit or Debit Card"
  • Apple Watch - open the Apple Watch app on your iPhone, tap "Passbook & Apple Pay", then "Add Credit or Debit Card"

Apple Pay can be used at participating businesses throughout the United States. Look for the Apple Pay or contactless symbol at your local merchants checkout line. View Apple's website for a current listing of major merchant stores that accept Apple Pay.


  1. Open the Passbook app on your device
  2. Select “Add Credit or Debit Card”
  3. Interra takes steps to keep your information secure, including a stringent account verification process that we use when you add an Interra debit or credit card onto your Apple device.
  4. For more information about Apple’s security features, please visit Apple’s website
  • iPhone® 6
  • iPhone 6 Plus
  • iPad Air® 2
  • iPad mini 3
  • Apple Watch (Paired only with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus.)
  • Tap the "Buy with Apple Pay" button or Apple Pay button
  • Review your payment information and contact details
  • Place your finger on the Touch ID to complete the payment
  • Once the payment information is successfully sent, you will see "Done" and a checkmark on the screen.


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Home > Personal > Electronic Services > Mobile Wallet

Mobile Wallet

Mobile App

Apple Pay® - Pay outside the wallet!

An easy, simple, secure, and private way to use your Interra MasterCard® debit and credit cards1 to make in-store and in-app purchases2 at participating merchants.

  • Quick and easy way to pay in stores with Touch ID
  • Set up is simple with the Passbook app
  • For added security a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element instead of your debit or credit card numbers
  • Recent purchases are kept in Passbook, but transaction details are never stored in Apple Pay for added privacy

Apple Pay can change how you make purchases with contactless payment technology and unique security features. Visit Apple's website for additional features and questions on Apple Pay.

Apple Pay Learn More

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1Available for Interra MasterCard debit card and for Interra MasterCard consumer Platinum and Classic credit cards. Not currently available for Interra MasterCard business credit cards or HSA debit cards.
2Eligible devices include iPhone 6 or Apple Watch to pay in stores. Eligible devices to make purchases within participating apps are iPhone 6, iPad Air 2, and iPad mini 3. 

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Apple Pay, TouchID, and iPad mini are trademarks of Apple Inc. iPhone, iPad Air, Passbook, iSight, and iTunes are registered trademarks of Apple Inc. IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

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