You pay how you want – with your favorite device that you have always at hand, such as iPhone or Apple Watch.
You pay wherever you want – for shopping online, at traditional stores and via apps.
Your payments are secure – you authorize transactions with Touch ID or Face ID.
Open the Wallet app on your devise and click + in the upper right-hand corner.
Take a photo of your Mastercard debit or credit card or enter its data.
Confirm adding the card with an authorization code received via SMS.
Apple Pay is an easier and safer way of paying at shops, via apps and on the Internet using an iPhone, Apple Watch, iPad and Mac*. You can pay instantly using your everyday devices. Apple Pay is also a safer and faster method of paying on the Internet and via apps, without the need to open accounts or fill in long forms.
in order to make a payment with your iPhone or iPad via an app or on a website opened with Safari, choose Apple Pay at the stage of transaction finalization and make a payment using Face ID or Touch ID.
in order to pay using Face ID, double click the side button and hold your iPhone near a payment terminal. If you wish to pay using Touch ID – hold your iPhone near a payment terminal and simultaneously hold your finger on the Touch ID reader. When paying by Apple Watch – double click the side button and hold your Apple Watch near a payment terminal.
When shopping, Apple Pay uses a number assigned to a particular device and a unique transaction code. A full card number in never stored on a device or on Apple servers and cannot be shared with vendors. Apple Pay does not store transaction details that could be linked to your identity, so you make all of your shopping in complete confidentiality.
Apple Pay works in all places designated with the below symbols
Apple Pay is a payment method that is simple and secure, and ensures absolute privacy. It is available on a mobile device (iPhone, iPad or Apple Watch) or a Mac.
Apple Pay requires:
Apple Pay can be used both in stationary and online stores:
In some countries and regions Apple Pay can be used on an iPhone and Apple Watch to pay for public transit.
It can be necessary to check the settings to use Apple Pay in Safari on a Mac without a Touch ID reader. On a device with the iOS system, select Settings > Wallet & Apple Pay and make sure that the Allow payments on Mac option is on.
iPhone with Touch ID,
except iPhone 5s.
iPad Pro, iPad Air, iPad and iPad mini with Touch ID or Face ID.
Apple Watch Series 1 and 2 or later.
Apple Watch (1st generation).
Mac with Touch ID.
Mac launched in 2012 or later with an iPhone or Apple Watch and enabled Apple Pay.
You can start using Apple Pay immediately after adding a credit, debit or business debit Citibank Mastercard card issued by Bank Handlowy w Warszawie S.A. to your Wallet application. You should add a card on the device you are going to use with Apple Pay. Your device model must meet Apple criteria for Apple Pay. NFC service has to be on and for eCommerce transactions – the function for internet payments has to be also on. Credit cards have internet payments function enabled by default, for debit cards this service has to be activated in Citibank Online > Services and Profile > General Services > Manage Cards.
Setting a card as default card
After a card is added, you may set it as your default card. Just go to Wallet, select and hold your preferred card and move it to the first place. The card is now your default card. Please remember you can change your default card at any time.
After a card is added, you may set it as your default card on your iPad.
Please remember you need watchOS version 5.0 or higher to add a card to Apple Pay.
After a card is added, you may set it as your default card on your iPad.
Please remember that you need a model with Touch ID to add a card to Apple Pay on your Mac.
In a store: Sign in to your mobile device and place your iPhone or Apple Watch close to the payment terminal. Accept your payment with Touch ID or Face ID or by double pressing the button of your watch. Depending on the setting of the POS terminal, you may be asked to make additional authorization, by entering your PIN code or putting your signature. Remember that in case you switched off contactless on your card you will not be able to execute Apple Pay transaction at POS.
In applications: You may pay on your iPhone or iPad. You only need to select Apple Pay as payment method. Accept your payment with Touch ID or Face ID. Remember that in order to make transactions Apple Pay in applications or internet you have to have function of internet payments enabled for your card.
On the internet: : You may pay from the Safari browser on your iPhone, iPad or MacBook. No need to create an account or fill in long forms. Select Apple Pay and accept. You can also pay on your MacBook using Touch ID. In case of such Apple Pay transactions you also have to have the internet payments function enabled.
|iPhone SE, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS max, iPhone XR and newer versions||
|iPad mini 3, iPad mini 4, iPad Air 2, iPad Pro, iPad (5th generation), iPad (6th generation) and newer versions||
|Apple Watch (1st generation), Apple Watch Series 2 and newer versions||
|MacBook Pro with Touch Bar and Touch ID||
Please remember that you can use Apple Pay in stores which accept Apple Pay or contactless payments (see the following symbols):
Apple Pay may be used by the User of a card:
który posiada kartę debetową lub kredytową Mastercard.
The Bank charges no fee for an Apple Pay payment, unless it is a Cash Transaction or Special Transaction within the meaning of the Citibank Credit Cards Terms and Conditions of Bank Handlowy w Warszawie S.A. In such a situation, fees and commissions are charged according to the Table of Fees and Commissions.
You can use Apple Pay:
In all contactless terminals in Poland and throughout the world which can be (but not necessarily are) marked with the following symbols:
In mobile applications and on the Internet on websites with the following symbol:
Remember to enable internet payments function (for credit cards it is enabled by default).
No. This service is only available on Apple devices running iOS (iPhone, iPad), watchOS (Apple Watch) or macOS (iMac/MacBook). It is not available, for example, on Android or Windows-enabled Mobile devices.
Payment security depends on technical safeguards used by entities involved in the processing of a payment and the client’s compliance with the rules of protection of the data and device used to initiate a payment.
When paying with Apple Pay, the card details are not stored in the device memory or on Apple servers, and are not made available to sellers during transactions. During a transaction, an Apple device introduces itself on the network using a token, i.e. the device account number that represents a card on the device. Such token is generated during registration of such card in Apple Pay. When using Apple Pay, Apple does not store transaction details that could be linked with the buyer. Transaction details are only exchanged between you, the seller (or the app developer), the payment organization and the bank. Apple Pay transactions are additionally secured, depending on the method you use to unlock the phone, with your fingerprint (Touch ID), face scan (Face ID) or PIN (Passcode), which are also used for the preliminary authorization of your transaction.
Critical security aspects include the appropriate protection of the phone used to initiate payments and the data that make it possible to initiate transactions. Please remember to comply with the security rules specified by the Bank, including the procedures required in case a phone is lost or other persons are in possession of data that make it possible to execute transactions.
To avoid unauthorized transactions, a User of Apple Pay must comply with the following do's and dont’s:
At present, the Bank makes it possible to add only Mastercard cards to Apple Pay.
In the case of an attempt to add a card that is not supported by the Bank (for example a VISA card) to the Wallet app, the message will appear: “This issuer does not offer a card that supports Apple Pay at the moment”.
12 different cards on iPhone X, iPhone 8, iPhone 8 plus and Apple Watch Series 3.
8 different cards on the other devices with Apple Pay.
Please remember that the same card can be added on many devices, but the limit of tokens on all the digital wallets for the same card (including the removed ones) is 40. A token removed from Apple Pay will be kept for 540 days – the time to claim a chargeback.
First go to the Apple support website and check if you can add a card in your current region (country). If not, go to Settings > General > Language & region > Region and change it to Poland.
In the Wallet app, tap on the card and click the small "i" icon in the bottom-right corner. The “remove card” option is at the bottom of the screen.
In the Wallet app, after selecting the card, you may see maximum of 10 transactions done with Apple Pay using that device (the history of transactions made using your other Apple devices will not be visible). You can see the place of your payment and the amount and date of your transaction.
Please remember that Apple Pay shows transactions not older than 30 days.
To access full history of transactions you shall log into Citibank Online and there you will select the card and see the history of your account. In the transactions history Apple Pay transactions are identified by letter A and four digits i.e. “A1234” – where “A” means Apple Pay and “1234” are four digits of the token number.
A token is the virtual representation of a payment card stored on a device, in the so-called “secure element,” access to which is very limited.
You control a token to the same extent you can control your card. You can block a token temporarily, unblock it or remove it from Apple Wallet.
As in the case of a regular card with contactless payment option, a card added to Apple Pay does not require Internet connection to make payments. However, you need Internet connection to add a card in the Wallet or Citi Mobile app (i.e. to enable card payments via Apple Pay) – such connection is required to verify the data you have entered and to authorize that process.
If such representative has an active card issued to the account for his or her name, he or she may add it to Apple Pay.
Go to Settings on the iPad. Open “Wallet & Apple Pay” and select “Add a credit/debit card”. Enter the card details using the iPad camera or manually. Confirm with the authorization code sent to the telephone number set as your Main mobile telephone number.
You may add a card to an Apple Watch in the Watch app available on iPhones.
You can pay with your watch if:
Open System Preferences on your MacBook. Open “Wallet & Apple Pay” and select “Add another card”. Scan the card details using the MacBook Pro camera and enter them manually. Confirm with the authorization code sent to the telephone number set as your Main mobile telephone number.
Yes, if, apart from the Android-enabled device, your trusted list includes a device running iOS that meets the Apple requirements for Apple Wallet. On your Android device you can use your Mastercard card on the phone in Google Pay and on your iOS phone you may use Apple Pay.
You cannot add a card to Apple Wallet if the Bank has not provided such option for that card, the card is not active (for example it has been closed, frozen or blocked) or you do not meet other conditions (for example, you have not given the Bank your consent to provide transaction data to Apple or you do not have internet connection). In some cases, a card cannot be added due to security reasons, for example the device lacks an original operating system.
If your Apple Watch is paired with an iPhone, it seems you did not unlock your watch before the process to add a card was started. Unlock the Apple Watch and try to add a card again.
Apple Pay can be used when the device lock is set on the device and (optionally) biometric readers (Face ID or Touch ID) are used.
In the case of majority of POS terminals, the card PIN code is not required to accept transactions, however it depends on the POS setup how transactions should be authorized. Please remember that Apple Pay payments can only be made after the device is correctly unlocked.
To make a payment using an Apple Watch, you have to unlock the watch first:
The bank sends Apple information on Apple Pay transactions such as transaction amounts, transaction currencies, transaction dates and times, transaction types, transaction statuses, names and addresses of stores/service providers, categories of stores/service providers, designations and names of categories of business activity of stores/service providers.
This is the main card you use automatically to pay via Apple Pay. You can change your default card at any time.
In order to change your default card go to the Wallet application and move the image of the card you want to use to pay to the top of the screen. It will be visible as the first card on the main screen of Wallet payments.
You may change the default card in the phone settings and in “Wallet & Apple Pay”. You can also change your default card in the phone settings after selecting the Apple Wallet option.
In Apple Watch, you can change the default card either on the watch or in the Watch app on your phone.
You will see the symbol that a transaction was correct whether it has been authorized or rejected. This symbol shows that the card was correctly read out by the terminal, and not that the transaction was executed.
If the terminal has rejected a transaction, this means it could not be booked (no funds on the account or another error).
There are two possible reasons:
You have turned off contactless payments on your plastic card. In this case, you may still pay on the Internet and in applications. If you want to make contactless payments, turn on such payments for your card.
The card added to Apple Wallet is active, but you have not made a contact transaction by your plastic. This makes it impossible to execute contactless transactions. Make at least one contact transaction with your plastic card and try again to pay in Apple Wallet.
Debit card added to Apple Pay may not have internet payments option enabled. In such case you may still make Apple Pay transactions at POS, but in order to make transactions in application or internet you have to enable this function either in Citibank Online od CitiPhone.
Transaction limits in Apple Pay and for the payment card are the same. Limits for credit cards are determined in the Transaction Limit table and for debit cards in Table of Fees and Commissions: Accounts and Credit Line for Individual Clients.
You can call CitiPhone to remove or block the token on your device. You may also remove or block the token via iCloud.
You may block your card in Citibank Online or by calling CitiPhone.
You can also remove your card via iCloud:
A lost device can be switched to the Lost Mode , locked or remotely erased even if it is turned off or not connected to the network. Those actions will become effective when the device connects with the network.
No, these are two different tokens.
No, a removed card cannot be unlocked.
There can be a few reasons:
If you enter incorrect card details five times in a row, we will block the card adding function. You will have to contact CitiPhone if that actually happens.
No. A token is not a separate payment instrument. If a card is blocked, the token will be blocked too and Apple Pay transactions will be impossible to make. After you blocked your card, wait for the new one, activate it and add it to Apple Wallet if you want to use it in Apple Pay.
Yes, you may add a removed card again.
The card will be deleted from Apple Watch.
You may unlock your Apple Watch in two ways:
For more information on technical issues related to Apple Pay visit the Polish Apple Pay support website: https://support.apple.com/apple-pay
*The list of devices compatible with Apple Pay is available here: support.apple.com/km207105.
Remember that if your card added to Apple Pay is blocked – in order to continue using Apple Pay you have to add a new card to the Wallet app once again.
Apple Pay and Apple are registered trademarks of Apple Inc., incorporated in the U.S. and other countries.