Frequently asked questions about Apple Pay

What is Apple Pay?

Apple Pay is a service produced by Apple allowing you to make credit card payments with the Apple Pay mobile app on your iPhone, iPad, Apple Watch or Mac. It enables making payments with these devices without the actual card.

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. 

Which devices support Apple Pay?

You can use Apple Pay with these devices:

iPhone

iPhone (iOS 11+)

iPhone X

iPhone 8

iPhone 8 Plus

iPhone 7

iPhone 7 Plus

iPhone 6s

iPhone 6s Plus

iPhone 6

iPhone 6 Plus

iPhone SE

Apple Watch

Apple Watch Series 3

Apple Watch Series 2

Apple Watch Series 1

Apple Watch (1st generation)

iPad

iPad (5th generation)

iPad Pro (12.9-inch)

iPad Pro (9.7-inch)

iPad Air 2

iPad mini 4

iPad mini 3

Mac

MacBook Pro with Touch ID

Mac computers produced in or after 2012 together with an iPhone or Apple Watch with Apple Pay activated

How do I start using Apple Pay?

Through Nordea Mobile:

1. Open Nordea Mobile and select the card you want to use.
2. Select Settings. Tap “Add to Apple Wallet”.
3. Follow the steps of the verification process and accept the terms and conditions.

Through Apple Wallet:

1. Open the Apple Wallet app.
2. Tap on “Wallet +” and enter the card details.
3. Follow the instructions and accept the terms and conditions.
4. Verify the card registration in Nordea Mobile. Open Nordea Mobile and select your card. Then under Settings, select ‘Manage devices’ and confirm with the Nordea ID app.

Nordea Finance customers with a Tuohi Mastercard, Stockmann Mastercard or Finnair Plus Mastercard:

If you have a Tuohi Mastercard, Stockmann Mastercard or Finnair Plus Mastercard issued by Nordea Finance but you’re not a Nordea customer, please contact Nordea Finance Customer Service through Nordea OmapostiOpens new window and we’ll help activate your card so that you can use it to pay with your wearable.

Where can I pay with Apple Pay?

In-store

You can pay with Apple Pay in-store when you see the contactless payment symbol on the payment terminal.

Online

You can also use Apple Pay in online stores and many apps.

Apps and websites

Use the ‘Pay with Apple Pay’ button or select the option ‘Apple Pay as a payment method’.

How do I pay with Apple Pay?

In-store

With your phone: Open the Wallet app and select the card that you want to pay with. Then confirm the purchase with Touch ID, Face ID or your device’s passcode. You can also enable a quick function, which brings your payment cards up after you click the Home or side button twice.

If you have an Apple Watch, double click the side button and hold your watch close to the payment terminal.

In apps and online

Select Apple Pay as the payment method and confirm your purchase with Touch ID, Face ID or passcode.

On Mac computers

Select Apple Pay as the payment method and confirm the payment with your iPhone or Apple Watch.

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.