Apple Pay

Apple Pay. A secure and easy way to pay with your iPhone.

No more digging around for your Vancity debit card or credit card. Instead, just tap your iPhone at the store checkout and you’re done.

Use Apple Pay wherever you see one of these symbols.

What you will need to get started.

Apple devices you can use with Apple Pay.

  • iPhone 6 or later (including iPhone SE) with the latest version of iOS.
  • Apple Watch paired with iPhone 6 or later.

Visit the Apple Pay website for a complete list of other compatible Apple Pay devices, including iPads and Macs.

Vancity cards you can use with Apple Pay.

Vancity Member Card™ debit card (personal)

Vancity Member Card™ debit card (business)

enviro™ Visa* card

Pay in stores

Pay in apps

Pay online (in Safari)

Add your card.

To use Apple Pay, you’ll need to add your card(s) to your iPhone.

  1. Open the Wallet app on your iPhone
  2. Select ‘+’ and follow the simple instructions on your screen
  3. Follow these steps to add your card to other Apple devices

Pay at the store checkout.

To use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID.

With Touch ID:

  1. Hold the top of your iPhone close to the card reader screen
  2. Put your finger on the home button
  3. When you see ‘Done’ on your iPhone screen, the transaction is complete

With Face ID (with iPhone X only):

  1. Double-click the side button and look directly at the screen to confirm Face ID
  2. Hold the top of your iPhone close to the card reader screen
  3. When you see ‘Done’ on your iPhone screen, the transaction is complete

Set your Vancity credit card or debit card as your default card.

  1. Open the Settings app on your iPhone
  2. Select ‘Wallet &Apple Pay’ and ‘Default card
  3. Select the Vancity card you want to use as your default card. You can learn more about it here.

Banking with Vancity helps create a more vibrant local economy.

Your money gets invested into local businesses, helping you and the people who live here prosper. Plus, when you pay with your credit card, you’ll earn valuable My Visa Rewards Plus points. Every year, five per cent of Vancity enviro™ Visa*’s profits go to support the enviroFund™ program, which invests in local, innovative solutions to improve the environmental well-being of our members and communities.


Is Apple Pay secure?

Yes, Apple Pay is a secure way to make transactions using your iPhone and Apple Watch. Every purchase is kept secure with Touch ID, Face ID, or your passcode to prevent strangers from using Apple Pay on your devices. Apple Pay also doesn’t store or share your private account information, including your name and your original card number. For more information, visit the Apple Pay Support site.

How much does it cost to use Apple Pay?

There are no additional fees to use Apple Pay. Paying with your Vancity debit and/or credit cards through Apple Pay is the same as paying with your physical Vancity debit and/or credit cards, so any fees associated with the cards still apply.

Does Apple Pay have a transaction limit? Can I make purchases that exceed $100?

No, unlike your tap enabled credit and debit cards, we have not set a $100 transaction limit (the spending limit for a single purchase) when you use Apple Pay with your Vancity credit and debit cards. However, if you have any daily spending limits on your chequing or savings card account, they will still apply. Merchants can also set their own transaction limits for tap payments and Apple Pay if they choose.

What should I do if my iPhone gets lost or stolen?

If you have a Find My iPhone locator app enabled on another device, such as another iPhone or iPad, you can put your missing iPhone in Lost Mode, track its location, and suspend or remove the ability to use Apple Pay on that device. You can also call our Member Services Centre (MSC) at 1-888-826-2489 from 8 am-8 pm Monday to Saturday and 10 am to 5 pm on Sundays, or our 24/7 Card Services at 1-800-611-8472 for help.

In the meantime, Apple Pay has security features that prevent unauthorized use of your debit and/or credit cards. Each time you make a payment with Apple Pay, you need to authorize the purchase with your Touch ID, Face ID, or passcode. Apple Pay also doesn’t store or share your private account information on your device or with anyone else.

Can I return an item I purchased using Apple Pay?

Returning an item purchased using Apple Pay is similar to returning an item purchased using your physical debit or credit card. The cashier may need to look at the last four digits of your debit or credit card that was used to purchase the item or the Device Account Number, which can be found on your iPhone or Apple Watch. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your Vancity account statement; also, certain stores may only be able to process your return using your physical card, or by cash. Anytime you make a purchase, it's always a good idea to inquire about the store's return policies.

More steps here.

How do Apple Pay transactions appear on my statement or in online banking?

Apple Pay transactions appear on your statement as a regular transaction.

Why is Vancity offering Apple Pay?

We’re always looking for ways to make our members’ lives a little easier. It’s your money, and you should be free to manage it anytime, anywhere — securely and conveniently. That’s why we’re excited to introduce Apple Pay as another payment option for our members. If you have an iPhone, you probably already use it for many things. Now you'll be able to use it to pay securely with your Vancity credit and debit cards when you’re on-the-go, while still supporting the local community.

Find out more on the Learning Hub ››

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