An Easier Way to Pay

Apple Pay is an easy, secure and private way to make purchases. To pay, just hold your supported iPhone® or iPad® near a participating merchant's contactless reader. A vibration and beep let you know your payment has been accepted. You can also use Apple Pay on your supported device with apps for Target®, Panera Bread®, Petco®, Uber® and other merchants.

A Safe Way to Shop

Using Apple Pay is safe. When you use Apple Pay, your Navy Federal card number isn't 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 Navy Federal credit and debit card, including our Zero Liability policy that protects you from unauthorized purchases.

A Simple Way to Get Started

To get started, you need a supported iPhone or iPad. Simply add your Navy Federal 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 Navy Federal card with Apple Pay to pay at more than millions of locations, including Bloomingdale's ®, McDonald's ®, Macy's ®, Nike ®, Duane Read™, Subway® and Staples ®. You can also use Apple Pay when using apps for Apple ®, Groupon™, Starbucks ® and the Disney Store ® and at vending machines, trains and taxis. More stores, apps and payment locations are coming all the time.

Get Started with Navy Federal and Apple Pay

To add your Navy Federal credit or debit card, you'll need a supported iPhone® or iPad®. 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 Navy Federal card is already in iTunes®, just key in the Security Code (the CVV code from the back of your card).

See detailed setup and use instructions

How to Use Apple Pay in Participating Stores

  • Step 1

    Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.

  • Step 2

    Place your finger on the Touch ID ® or use Face ID ®. Or, you may need to enter a passcode and sign a receipt.

  • Step 3

    Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

FAQs

You can use all Navy Federal credit and debit cards, including our Business credit and debit cards.

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:

  1. Go to "Settings > Wallet & Apple Pay."
  2. Tap "Default Card."
  3. Choose a new card.

Simply 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, follow the easy step-by-step instructions.

Yes. When you use Apple Pay, your Navy Federal card number isn't 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 Navy Federal credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

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

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

You can use Apple Pay at millions of locations, including Bloomingdale's®, McDonald's®, Macy's®, Nike®, Duane Reade™ and Staples®.

The service is free, but message and data rates may apply, depending on your data plan.

More information is available at apple.com.

Disclosures

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App Store®, Apple®, Apple Pay®, iPhone®, iSight®, Wallet®, Touch ID® and iTunes® are trademarks of Apple, Inc., registered in the U.S. and other countries.