Apple Pay – an easy and secure way to pay on the go

Frequently asked questions about Apple Pay

How safe is Apple Pay?

It’s very safe. Apple Pay uses strong security features built-in to the hardware and software of your phone. Apple can't access your card details or disclose them to merchants in connection with payment transactions. 

Apple Pay uses a device-specific number and a unique transaction code for each purchase, and each transaction requires you to confirm it with Touch ID, Face ID or passcode. Remember to always use strong passwords or passcodes and avoid “1234” or “0000”, for example.

If you lose your phone, third parties can’t see your card details or make payments with your phone without identity verification. If you lose your card, you can get a new one on your phone right away. 

Does using Apple Pay in-store require an internet connection?

No. Payments are processed through payment terminals supporting contactless payments. Just look for the contactless payment symbol on the payment terminal. 

Which payment cards can I add to Apple Pay?

You can use Apple Pay with all your personal Nordea cards. You can also use Apple Pay with Nordea First Cards, Nordea Business Mastercards and Business Visa cards issued for corporate customers and with Stockmann, Finnair Plus and Tuohi co-branding cards issued for personal customers. 

Can I pay with Apple Pay even though I can’t make contactless payments with my card?

Yes, you can. You can also add cards that don’t support contactless payments to Apple Pay. 

How do I confirm the payment?

When you’re using Apple Pay at a physical store, you won’t need to confirm the payment separately. Just unlock your phone and hold it close to the payment terminal. 

If you want to use Apple Pay online, select Apple Pay as the payment method and follow the instructions. 

How does Apple Pay differ from contactless payments?

You can use Apple Pay to pay for all purchases, including the ones exceeding 50 euros. Just unlock your phone and hold it close to the payment terminal. You won’t need to confirm the payment separately after you have unlocked your phone.

How do I know that the payment has succeeded?

The payment terminal signals whether your payment was successful. When shopping online, you will see a notification confirming a successful payment. 

How and when are the purchases debited?

The purchases are debited to your card just as they would be if you paid with your actual card. You can see your purchases in the app immediately after you have paid them.

I’m a member of a customer loyalty programme that is linked to my card. Will I earn customer loyalty points if I pay with Apple Pay?

Unfortunately, Apple Pay doesn’t support most Nordic customer loyalty programmes that are linked to payment cards. Earning points depends on whether the company offering the customer loyalty programme has developed a separate app for this purpose. Please ask further information from the relevant company.

Is there an age limit for using Apple Pay?

Children under 13 can’t create an Apple ID on their own and this age limit basically applies to Apple Pay, too, as you are required to have an Apple ID to use Apple Pay.  

I have problems with setting up Apple Pay. What should I do?

If you have problems with using Apple Pay, you can visit Apple’s official support websiteOpens new window for technical support. 

Write ‘Apple Pay’ in the search field on the website to find support.