Apple Pay can be used to make contactless payments with an iPhone or Apple Watch in any store equipped with a card payment terminal.

Using Apple Pay implies acceptance of the Sumeria General Terms and Conditions and the Apple Pay Terms of Use. Sumeria cannot be held liable for any malfunction or service unavailability attributable to Apple.

Advantages 

Contactless mobile payment is:

  • Secured : Every payment requires strong authentication to complete the transaction. This is performed using the unlock method configured on the Apple device (such as Face ID or Touch ID) ;
  • Fast: payment takes less than a second. The customer is immediately notified of their expenditure ;
  • No limit on amount: the customer can pay €1 or €1,000, unlike using contactless payment.

Security

The card number is never stored on the device or transmitted to merchants at the time of payment.

After confirming the addition of the card to Apple Wallet, no further authorization is required in Sumeria to authenticate a contactless payment made using the device on which the card was added.

Never share your card details or security code with anyone. No advisor will ever ask you to transfer funds or confirm an urgent payment. If in doubt, open the Sumeria app and access messaging to contact customer service. Learn more.

Configuration

On Iphone

From the Sumeria application

Accessing the card details in the app allows the customer to add the card to Apple Wallet on their iPhone by clicking "Add to Apple Pay".From the Apple Pay application.

From Apple Pay

Customers can add their card directly from Apple Pay. Learn more.

Adding the card can be completed by validating it within the Sumeria app. Customers also have the option to validate the card addition using a code received via SMS.

On Apple Watch

From the “iWatch” app, customers can select “Cards and Apple Pay” to add a card.

Adding a card to Apple Watch can be done directly from Sumeria. When the customer clicks the add button and an Apple Watch is detected, they will be given the option to choose which device the card should be added to (the Apple Watch or the phone).

For security reasons, adding a card to Apple Watch is different from adding it to an iPhone. The card is considered to be added to two different devices. However, if customers unpair their iWatch from their iPhone, all cards added to their iWatch will be removed for security reasons.

Pay with Apple Pay in stores

When paying, there are only two steps:

  • “Wake up” your iPhone or Apple Watch (by double-clicking the side button) ;
  • The customer must complete the authentication step. This is performed using the unlock method configured on the Apple device (Face ID or Touch ID) ;
  • Hold your iPhone or Apple Watch close to the payment terminal.

The debit is made from the account associated with the registered card under the same conditions as a payment made with a physical card. Learn more.

Buy online and in mobile apps

Some online stores and mobile apps allow you to select Apple Pay as your payment method with a single click after confirming your shopping cart.

  • From an iPhone or iPad: Touch ID fingerprint recognition is all it takes to authorize payment.
  • From the Safari browser on a Mac computer, where customers can authorize payment using Touch ID on their iPhone or iPad.

The debit is made from the account associated with the registered card under the same conditions as a payment made with a physical card.

Notifications

When customers make a transaction via Apple Pay, they receive two payment notifications on their device by default: one from the “Cards” app and another from us.

To avoid receiving the same notification twice after a payment, customers can disable payment notifications from the “Cards” app so that they only receive notifications from Sumeria.

To manage payment notifications from the “Cards” app, customers should go to the settings on the “Cards and Apple Pay” screen. They can then disable notifications under “Transactions”.

Notifications sent by Sumeria are strictly for informational purposes and do not constitute a payment receipt.

Card management

Customers can manage their different cards from Apple Pay by going to the “Cards and Apple Pay” screen. They can then choose their default card, add or remove cards, and select their preferences. A removed card can be added again.

The default card is the card that appears when customers launch the “Cards” app on their iPhone or wake up their device by bringing it close to the payment terminal. Learn more.

Removing a card from Apple Pay does not close the Sumeria account nor disable the corresponding physical card.

Single-Payment cards cannot be added to Apple Pay. Learn more.

Fees and usage limits

There are no additional fees for using Apple Pay. The card's limits and conditions apply when using Apple Pay. Learn more.

Termination

The customer can cancel the Apple Pay service at any time from the “Settings” section of their “Cards” app.

Deleting this card will also delete its transaction history displayed in the “Cards” app. These transactions will still be available in their Sumeria history.

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