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How do I dispute an Apple Pay® transaction?

Apple Pay® transaction with a Cambridge Savings Bank debit card
In the event of a dispute, please contact us at info@cambridgesavings.com or 888.418.5626 to file a claim.

Apple Pay transaction with a Cambridge Savings Bank credit card
In the event of a dispute, please call the Card Member Services number located on the back of your credit card.

Are my Cambridge Savings Bank debit and credit cards set up for Apple Pay?

All Cambridge Savings Bank debit cards (with the exception of business debit cards) and credit cards are offering Apple Pay. We anticipate that Cambridge Savings Bank business debit cards will have Apple Pay in the near future.

Why does my Apple Pay look different in Wallet?

Depending on the operating system on your Apple device, Apple Pay may look slightly different.

How do I access Wallet?

Go to your device’s application screen and click on the app that looks like the below:

How do I add a card?

Set Up

  1. Open up Wallet
  2. If this is the first card you are adding, select Set Up Apple Pay
    • If your Cambridge Savings Bank card is the card that you have on file with iTunes, you can select Use Card on File with iTunes.

      Important Note: If you select this option, you will still need to enter the 3 digit security code from the back of your card.

    • If your Cambridge Savings Bank card is not on file with iTunes you will need to select Use a Different Card. Once you choose this option, you may either enter the card information or select Camera icon on the card number line.
      Important Note: If you select Camera, please position the card in the frame and all the information with the exception of the Security Code will pre-fill.
  3. If you are adding an additional card, select the plus sign at the upper right hand corner of the screen. Select Next on the next screen. Add your card information by using the Camera or choosing to Enter the Card Details Manually

Debit Card Activation

  • Once your Cambridge Savings Bank debit card information has been entered and the terms and agreements accepted, please call our customer service center at 844.646.5465 to activate the card for Apple Pay.
  • Upon activation of your debit card, you will see the screen below confirming that your card has been activated:

  • You may now begin to use Apple Pay to make purchases

Credit Card Activation

  • Once your Cambridge Savings Bank credit card information has been entered and the terms and agreements accepted, your card should be activated in Wallet. If activation confirmation does not appear, please call our Card Member Services number at 800-285-5522 to activate your card for Apple Pay.
  • Upon activation of your credit card, you will see the below screen:

 

Why do I see a hold on my account after I set up Apple Pay?

The hold is in the amount of $0.00 and will not affect your balance. It is placed on your account while your card is being set up for Apple Pay and will be removed in 3 business days.

How do I set up a default card?

  1. Open up your Settings
  2. Select Wallet & Apple Pay
  3. Under Transaction Defaults, you will see Default Card
  4. Select Default Card and your current default card will have a check mark next to it
  5. To change your default card, select a new card and a check mark will now appear next to that card

Important Notes

  • If you have more than one card set up for Apple Pay in Wallet, Apple will automatically set your first card up as your default card
  • If you use Apple Pay without opening Wallet and selecting the card to use, then your default card will be used

How do I remove a card?

  1. Open up Wallet
  2. Select your Cambridge Savings Bank card, then click on the i icon in the lower right corner
  3. Select Remove Card
  4. Confirm card removal and you will be informed that you will lose your transaction history in Apple Pay for transactions associated with this card

Important Note

  • If the card you removed was your default card, Apple will assign your next card as the default and will inform you of that change

How do I make payments with Apple Pay?

In stores that have Apple Pay enabled on their payment terminals:

  1. Hold your phone up to the terminal
  2. Utilize Touch ID to authorize your purchase or if you do not have Touch ID, use your passcode
  3. The screen will confirm that the purchase has been completed

Is my transaction history stored in Apple Pay?

Apple Pay does not store your full transaction history but does allow you to view your 10 most recent transactions as notifications.

How do I turn notifications on or off in Apple Pay?

  1. Open up Wallet
  2. Select your Cambridge Savings Bank card, then click on the icon in the lower right corner
  3. Swipe the button under Card Notifications to the left to turn off notifications for this card

How do I make a purchase with a card other than my default card?

  1. Hold your phone up to the terminal but do not place your finger on the Touch ID
  2. You will now see your default card
  3. Select your default card and from your list of cards, select the card you would like to use instead
  4. Utilize the Touch ID to authorize your purchase and complete payment or if you do not have Touch ID, use your passcode

How do I return items bought via Apple Pay?

You can have the cashier process the return by using your Device Account number.

However, if the cashier needs your card information, you may:

  1. Hold your phone up to the terminal
  2. Choose the card you used to make the original purchase
  3. Utilize Touch ID to confirm your return or if you do not have Touch ID, use your passcode
  4. The screen will confirm that the return has been completed

How does my replacement card get added to Apple Pay?

To add your replacement card, please follow the steps found above in "How do I add a card?".

What if I lose the device that I have Apple Pay on?

If you lose the device that you have Apple Pay on, we would recommend that you immediately:

  • Contact us at 888.418.5626 to report your device as lost or stolen so that we may deactivate Apple Pay on your device and/or,
  • Use the Find my iPhone or iPad option so that you can put that device in Lost Mode, effectively suspending Apple Pay

To use this option:

  1. Sign into iCloud with your Apple ID
  2. Select All Devices to find the device that you wish to put in Lost Mode
  3. Select Lost Mode and follow the onscreen instructions

How does my transaction history in Apple Pay differ from my transaction history in Online Banking?

Initial authorization amounts may be different from the final transaction amount so please always refer to your Cambridge Savings Bank Online Banking account to view and confirm your official debit card activity and refer to your Card Member Services site to view and confirm your official credit card activity.

Important Note - Apple Pay will only store your last 10 transactions so please refer to your Cambridge Savings Bank Online Banking account to view your full transaction history on your Cambridge Savings Bank debit card and refer to your Card Member Services site to view transaction history on your credit card.

Apple, the Apple logo, iPhone, iPad, Apple Pay, 3D Touch, Touch ID and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.

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