Apple Pay^TM
Frequently Asked Questions Apple Pay trademark Frequently Asked Questions

• Personal Credit Cards
• Personal Debit Cards
• Small Business Debit Cards

It’s easy. Go into Settings on your eligible Apple device, open Passbook & Apple Pay, and select “Add Credit or Debit Card.” On your iPhone^®, you can open Passbook, then swipe down and tap the plus sign. From there, use the camera on your Apple Pay-enabled device to take a photo of the card you wish to upload or type in the card number manually. If you already have credit and debit cards in your iTunes^TM account, you can add those to Passbook by simply entering the card’s security code — the three-digit number on the back of the card. It’s easy. Go into Settings on your eligible Apple device, open Passbook & Apple Pay, and select “Add Credit or Debit Card.” On your iPhone registered, you can open Passbook, then swipe down and tap the plus sign. From there, use the camera on your Apple Pay-enabled device to take a photo of the card you wish to upload or type in the card number manually. If you already have credit and debit cards in your iTunes trademark account, you can add those to Passbook by simply entering the card’s security code — the three-digit number on the back of the card.

No. For a full list of participating merchants, please visit Apple.

Please visit Apple for a current list of supported devices.

A virtual card is a digital form of your credit or debit card that you entered into your Apple Passbook. Once your card is loaded into Passbook, it will be assigned a Device Account Number. This number is different from the card number printed on your physical card.

An "in-app" purchase is the act of buying content, services or items within an application on your participating Apple Pay device.

It's a good idea to download Apple's Find My iPhone app in case this should happen. You can use the app to quickly place your device in “Lost” mode so your information is not accessible, or you can remotely erase your iPhone. Please note: Find My iPhone must be enabled in iCloud settings on your device before you can locate it with this app. If your BMO card is lost or stolen, please contact:

• Debit: 1-888-340-2265
  Debit: 1 8 8 8 3 4 0 2 2 6 5
• Credit: 1-866-522-7030
  Credit: 1 8 6 6 5 2 2 7 0 3 0
• World Credit: 1-877-465-7200
  World Credit: 1 8 7 7 4 6 5 7 2 0 0

Erasing the information on your iPhone has no impact on your credit or debit card account(s). But it will delete your cards from Apple Pay. Simply follow the process described above to re-enter your cards.

If you get a new card account number, you will need to go into Apple Pay to delete your old account and add the new, replacement account.

This is just an extra security step. Simply call the number provided so we can verify your card. Then look for a Passbook message letting you know your card is ready for Apple Pay.

Yes. Just like your physical credit and debit cards, your BMO virtual credit and debit cards are covered by Zero Liability.* Yes. Just like your physical credit and debit cards, your BMO Bank virtual credit and debit cards are covered by Zero Liability. footnote *

Most merchants won’t have access to your physical card number; they’ll receive the unique Device Account Number associated with your credit or debit card.

Please note: MasterCard^® must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase. Most merchants won’t have access to your physical card number; they’ll receive the unique Device Account Number associated with your credit or debit card. Please note: MasterCard registered must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

The card image might not be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.