Mobile Wallet

Get Started With JPEFCU and Apple Pay

To add your JPEFCU credit or debit card, you will need an iPhone® 6 or iPhone 6 Plus with IOS 8.1 or later. Open the Wallet® App, swipe down and tap the plus sign. Use your iSight ® camera to enter the card or add it manually.

If your JPEFCU card is already in iTunes®, just key in the Security Code (the CVV code from the back of your card).

How to Use Apple Pay* in Participating Stores:

1. Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.
2. Place your finger on the Touch ID® or use Face ID ®; or, you may need to enter a passcode and sign a receipt.
3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

Easy. Secure. Private.

Making payments with Apple Pay is easy. The entire transaction is secure, as your credit and debit card numbers are not stored on the device or on Apple’s® server, so they are never shared with the merchant. Also, if your iPhone is ever lost or stolen, just use the “Find My iPhone” feature.

An Easier Way to Pay

Apple Pay* is an easy, secure and private way to make purchases. To pay, just hold your iPhone ® 6 or iPhone 6 Plus with IOS 8.1 or later, near a participating merchant’s contactless reader. Place your finger on the Touch ID® or use Face ID ®; or, you may need to enter a passcode and sign a receipt. A vibration and beep let you know your payment has been accepted. You can also use Apple Pay on your phone, iPad Air™ and iPad Mini™ 3 with shopping apps such as those for Target ®, Panera Bread ®, Petco ® and Uber ®.

A Safe Way to Shop

Using Apple Pay is safe. When you use Apple Pay, your JPEFCU card number is not stored on your phone or given to the merchant. A unique digital code is created specifically for that device. Your payment information is stored in Wallet ®. You still enjoy all the benefits of your JPEFCU credit and debit card, including Visa’s Zero Liability policy that protects you from unauthorized purchases.

A Simple Way to Get Started

To get started, you need an iPhone 6 or iPhone 6 Plus with IOS 8.1 or later. Simply add your JPEFCU credit or debit card to your Apple Pay account with your iSight ® camera or by entering it manually.

The first card you add will automatically become your default payment card. You can go to Wallet ® anytime to pay with a different card and add or remove any of your cards as needed.

A Secure Way to Protect Your Account

If your mobile device is ever lost or stolen, you can use the “Find My iPhone” feature to quickly set your device in “Lost Mode,” disabling purchasing ability and the ability to get into the phone without a PIN entry; or, you can wipe all information from your iPhone.

A Convenient Way to Shop

You can use your JPEFCU card on Apple Pay to pay at more than 220,000 locations, including Bloomingdale’s ®, McDonald’s ®, Macy’s ®, Nike ®, DuaneReade™, Petco ®, Subway ® and Staples ®. You can also use Apple Pay when using apps such as those for Apple ®, Groupon™, Panera Bread ®, Target ®, Starbucks ® and the Disney Store ®.

What is Apple Pay?

Apple Pay* allows you to pay for your purchases with your iPhone ® 6 or iPhone 6 Plus with IOS 8.1 or later, by holding your phone near a contactless reader. You can also use your phone, iPad Air™ and iPad Mini™ 3 to pay within certain apps.

What do I need to get started with Apple Pay?

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 or later
Touch ID ®, Face ID ® or passcode on your device
iCloud ® account

Which JPEFCU card can I use with Apple Pay?

You can use all JPEFCU credit and debit cards.

When I add my JPEFCU card to Apple Pay it does not look like the card in my wallet. Why?

Apple Pay uses a graphical representation, not an exact replica of your JPEFCU card.

How do I change my default card to my JPEFCU card?

The credit or debit card associated with your iTunes ® account or the first card you add to Wallet ® is your default card. To change your default card:

Go to “Settings > Wallet & Apple Pay.”
Tap “Default Card.”
Choose a new card.

How do I replace my old JPEFCU card with my new card on Apple Pay?

You will delete the old card from Apple Pay and add the new card. To delete the old card, go into “Settings,” open “Wallet & Apple Pay,” select the card you want to delete and tap “Remove Card.” To add your new card, simply follow the on screen instructions.

Are my payments safe with Apple Pay?

Yes. When you use Apple Pay, your JPEFCU card number is not stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your JPEFCU credit or debit card, which includes Visa’s Zero Liability policy that protects you from unauthorized purchases.

How are my privacy and personal information protected?

Since Apple Pay does not store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

Can I opt out of Apple Pay at any time?

Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed.

Which merchants are participating?

You can use Apple Pay at more than 220,000 locations, including Bloomingdale’s ®, McDonald’s ®, Macy’s ®, Nike ®, Duane ReadeTM and Staples ®.

Is Apple Pay free?

Yes. Be aware that message and data rates may apply, depending on your data plan.

Where can I get more information on Apple Pay?

More information is available at Apple.com.

As an Android™ user, you can now pay with your phone at more than 1 million stores across the United States. Google Pay™ is a new mobile payment solution that offers JPEFCU credit and debit card holders further simplicity, security and choice when paying for things every day.

Making payments is safe when you use Google Pay, thanks to tokenization, the industry standard for secure payments. Your card number is not stored on your phone or given to the merchant with your payment. Instead, Google Pay uses a virtual account number to represent your account information, providing an extra layer of security.

To add your JPEFCU credit or debit cards to Google Pay:

1. Download the Google Pay app and open it.
2. Take a photo of your card.
3. You’re done!

It’s that simple. When you are ready to pay, unlock your phone as usual and hold it over the merchant’s contactless payment terminal.

What is Google Pay™?

Google Pay is the new way to pay with your smartphone, offering simplicity, security and choice. Simply unlock your phone and place it near a contactless terminal, and your payment is complete.

What do I need to get started with Google Pay?

• Android™ device with OS KitKat or higher
• Google™ account
• Screen lock enabled

How do I set up Google Pay?

First, download the Google Pay app from the Google Play™ Store. If your JPEFCU card is already linked to your Google account, you can simply add it to the Google Pay app by confirming a few details. To add a new card, it’s as simple as snapping a picture. How do I pay with Google Pay?

• Unlock your device (no need to open the app).
• Hold the back of your device near a contactless payment terminal.
• Your phone will beep or vibrate, and you will receive a confirmation on-screen letting you know the payment was made.

Which JPEFCU cards can I use with Google Pay?

You can use your JPEFCU credit and debit cards with Google Pay. When I add my JPEFCU card to Google Pay, it does not look like the card in my wallet. Why? Google Pay uses a graphical representation, not an exact replica of your JPEFCU card.

How do I change my default card to my JPEFCU card?

The first card you add to Google Pay will automatically become your default card. To change your default, do the following:

• Open Google Pay.
• Tap on your preferred card to get the “back of card” view.
• Select “Set as default card”.

How do I replace an old JPEFCU card with my new card on Google Pay?

You will delete your old card from Google Pay and add your new one. To replace an old card, do the following:

• Open Google Pay.
• Select the card you want to delete to get to the “back of card” view.
• Select “Remove card”.
• To add the new card, simply press the “+” symbol and follow the step-by-step instructions.

Are my payments safe with Google Pay?

Yes. When you use Google Pay, your JPEFCU card number is not stored on your phone or given to the merchant. A unique virtual account number is created specifically for that card on that device. You still enjoy all the benefits of your JPEFCU credit or debit card, which includes Visa’s Zero Liability policy that protects you from unauthorized purchases.

How are my privacy and personal information protected?

Since Google Pay does not store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

Can I opt out of Google Pay at any time?

Adding your credit or debit cards to Google Pay is your choice; you can add and remove cards when needed.

Which merchants are participating?

Google Pay is accepted by more than a million stores across the United States. Stores include McDonalds®, Best Buy®, Office Depot®, Walgreens® and many, many more.

Is Google Pay free?

Yes. Be aware that message and data rates may apply, depending on your data plan.

Where can I get more information on Google Pay?

More information is available at www.google.com/pay.

We are excited to announce JPEFCU has partnered with Samsung Pay®, the latest in mobile payment options. This service is available to members with JPEFCU credit or debit cards.

Samsung Pay works at 90 percent of payment terminals by using Magnetic Secure Transmission (MST) and Near-Field Communication (NFC) to transmit payment information.

To protect your information, Samsung Pay uses tokenization and fingerprint authorization. Tokenization generates a unique sequence of numbers (instead of transmitting your account information) every time you make a purchase. The “token” is encrypted and eliminates the need for merchants to store your card data on their networks.

The service is free* for our JPEFCU credit and debit cardholders.

Eligible devices include the Samsung Galaxy S6®, Samsung Galaxy S6 Edge®, Samsung Galaxy S6 Edge+® and Samsung Galaxy Note® 5. Members can set up their JPEFCU credit or debit cards and start using Samsung Pay at authorized merchants.

What is Samsung Pay?

Samsung Pay is a safe and simple way to make mobile payments with select Samsung Galaxy devices, and it works at almost any retailer where you can swipe or tap your card.

How does Samsung Pay work?

Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near-Field Communication (NFC) to make contactless mobile payments. MST and NFC enable you to make secure transactions at virtually every card reader where you can swipe or tap your card.

MST is the name for mobile payment technology in which devices such as smartphones emit a signal that mimics the magnetic stripe on a traditional payment card. NFC is a set of communication protocols that enables communication between two electronic devices over a short distance.

Where can I use Samsung Pay?

Samsung Pay works almost anywhere you can swipe or tap your card. From the grocery store to the coffee shop to your favorite clothing stores, Samsung Pay is the only mobile payment service that works at the majority of U.S. retail locations. In situations where you have to dip your card or in places where you do not swipe your card yourself (e.g., sit-down restaurants, hotels, auto shops), it is better to use your actual card. Samsung Pay does not currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.

Which devices will support Samsung Pay?

Samsung Pay® is supported on the Galaxy S6®, S6 Edge®, S6 Edge+® and Note 5®. Please visit www.samsung.com/pay (www.samsung.com) for a full list of compatible devices.

Which cards can I add to Samsung Pay?

You can use your JPEFCU credit or debit cards with Samsung Pay.
In which countries will Samsung Pay be available, and when will Samsung Pay launch?
Samsung Pay is launching initially in the United States and South Korea. Samsung is working to expand into additional countries.

How do I get Samsung Pay?

For Galaxy S6, S6 Edge, S6 Edge+ and Note 5, Samsung Pay will be automatically installed through a software update. Going forward, compatible devices in supported countries will have Samsung Pay preloaded when purchased.

Will I receive a receipt after making a purchase with Samsung Pay?

When paying with Samsung Pay, you will receive and sign a receipt for your purchases, just as you would with a physical card. You will not receive a separate physical or digital receipt from Samsung Pay.

How do I return a purchase if I used Samsung Pay to make the payment?

Returns made through Samsung Pay are handled the same way as with your physical card, according to the store’s policies. If you return an item paid for through Samsung Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.

How can I keep track of purchases I have made with Samsung Pay?

Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a notification with your transaction details will be sent to your device after each Samsung Pay purchase. Note: notifications require an active internet connection.

When I add my JPEFCU card to Samsung Pay, it does not look like the card in my wallet. Why?

The card displayed in Samsung Pay will not always exactly match your physical card.

How can I add my card?

Cards can be easily added to Samsung Pay by using your device’s camera to scan in your card’s information or by manually inputting the card information yourself.

How many cards can I add into Samsung Pay?

You can add up to 10 cards using Samsung Pay. Both credit and debit cards can be added.

How long will it take for my card to activate after adding it to Samsung Pay?

The average amount of time it takes before your card is fully active for use after being added and verified will vary slightly between issuers, but should not take more than a few minutes. If you encounter any issues, please contact your card issuer for assistance. Do not try to enter the same card multiple times.

Where can I get more information on Samsung Pay?

More information is available at www.samsung.com/pay