Apple Pay is a payment feature that works with the wallet app on your IOS device that lets you add your eligible Mastercard-branded credit and debit cards to make purchases. You can use Apple Pay with your iPhone 6 or newer releases of the iPhone or Apple Watch as a wallet at store checkouts. You can also use Apple Pay on your Mac, iPad Air 2, iPad Pro, iPad mini 3, and iPad mini. As you read this, Apple is expanding the devices that work with Apple Pay. For the most up-to-date list, look here.

Here’s what you will need to set up Apple Pay:

1. Your eligible device.
2. Your eligible Mastercard-branded debit or credit cards.

This link will provide you with the instructions you need to set up Apple Pay with your eligible Mastercard-branded credit or debit cards.

Apple Pay is accepted in brick-and-mortar and online stores. Here’s a list of places that accept Apple Pay.

How do I use Apple Pay in brick-and-mortar stores?

Once you’ve set up Apple Pay on your device and added your Santander eligible Mastercard-branded Debit and Credit cards, it’s easy. When you buy something at a brick-and-mortar store, hold your iPhone up to a wireless payment terminal near the cash register, and then use Touch ID to complete your purchase. If you using an iPhone with Face ID at retail, double click the Side button to bring up Apple Pay. Look at your iPhone to authenticate with Face ID. Switch cards if you want to use one other than your default, and tap your iPhone to the pay terminal, or just bring it close. These are the same wireless sensors you’ve seen before, often equipped with both a card swiper and a tap-to-pay contactless terminal. With Apple Pay, you don’t even need to wake up your iPhone or launch Wallet; your phone wakes up automatically when it gets in range of the terminal and initiates the payment process. See how it works here.

How do I use Apple Pay in online stores?

If you’re buying something through a partnered online store on your iPhone or iPad, just select Apple Pay as the payment option in the app and use Touch ID or Face ID to complete the purchase. Take a look at this demo to see how easy it is.

How do I make returns with purchases I’ve made using Apple Pay?

Whether you make a purchase online or in a brick-and-mortar store, you can make a return the same way you would with your plastic card by returning the purchase to the merchant directly. (Merchants usually have their return policies detailed online as well as in brick-and-mortar stores.) If you made your purchase in a brick-and-mortar store, it’s smart to bring the device that you used when returning items purchased with Apple Pay.

Does it cost anything to use Apple Pay?

Santander Bank does not charge for Apple Pay. It does require an active data plan. Depending upon your wireless plan and your carrier’s offering, additional message and data charges may apply. Santander does not charge any fees to add your credit or debit cards or credit cards to Apple Pay.

Your credit card terms and conditions and your debit card Deposit Account agreement will apply for purchases.

Does Apple Pay keep my information secure?

When you make a purchase, Apple Pay uses a unique transaction code and a device-specific number. This means your actual card numbers aren’t stored on Apple servers and your card numbers are never shared by Apple with merchants. Apple Pay merchants will only receive information you authorize to share in order to fulfill your order, such as name, email address, billing and shipping address.

Learn more about Apple Pay security and privacy on the Apple website.