Apple Pay lets you use your iPhone 6^® or iPhone 6 Plus to pay in stores and within apps in an easy, secure, and private way.

Apple Pay is Apple's mobile payments service compatible with the iPhone 6 and 6 Plus, iPad Air 2, and iPad mini 3. It is designed so that items can be purchased using your phone instead of swiping a credit or debit card (in-store) or entering your card number (in-app).

In-store purchases are done by using Near Field Communication (NFC) which uses a radio frequency technology built into the iPhone 6 to communicate with any NFC-enabled terminal at the retail point of sale. For in-app purchases, simply select Apple Pay as the payment method in your application.

Use of Apple Pay is free to Fifth Third Bank cardholders. There could however be charges from your mobile carrier depending on your data plan.

In order to use Apple Pay, your iPhone 6 or iPhone 6 Plus must be running iOS 8.1 or above. When making purchases at a retailer that has a contactless payWave terminal, hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep lets you know the purchase was successful.

Your experience with Apple Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, instead provide the last four digits of the device account number. The device account number can be found by selecting the ⓘ icon while viewing your card in Passbook. You may also be asked to provide a signature or debit card PIN to complete your transaction.

You can also use Apple Pay on your iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad Mini 3 to make purchases within participating mobile apps. Look for the Apple Pay logo while completing your in-app purchase to use this feature.

There are two different ways to add your card to Apple Pay. If you already have a Fifth Third debit or credit card on file with iTunes, you can add it to Apple Pay by entering the security code on the back of your card.

To add a new or second Fifth Third card to Apple Pay, use your device camera to enter your card information or type it in manually. To view the debit and credit cards you have enrolled in Apple Pay, open the Passbook app on your iPhone 6 or iPhone 6 Plus.

At this time, Apple Pay can only be used with Fifth Third MasterCard consumer credit and debit cards.

Apple Pay is not yet available for use with Fifth Third Visa cards.

Yes, you can load multiple cards into Passbook. You can set your Fifth Third card as the default card, if that is your preference.

Yes, you can load multiple cards into Passbook. You can set your Fifth Third card as the default card, if that is your preference.

For security purposes, we may ask you to call Fifth Third to verify your card when adding it to Apple Pay. This is done to confirm your identity and protect your personal information.

When you hold your Apple Pay device over a contactless payment terminal to make a purchase, your default card will be displayed at the top of the screen and your other cards will appear stacked at the bottom. If you would like to use a card other than your default card to make the purchase, simply tap on the stack of cards at the bottom of the screen to view your other cards, select the one you would like to pay with and use your fingerprint or passcode to complete the purchase like normal.

After completing a payment using Apple Pay, confirmation will appear on your iPhone. Customers can also sign up to receive notifications of the purchase.

The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Apple Pay enabled device over the contactless payment terminal and wait for the slight vibration of the device to confirm the refund has been processed.

Yes. Your most recent purchases are listed in the Passbook app on your iPhone.

There is a contactless payments locator app called MasterCard Nearby. MasterCard Nearby provides a map with locations in the area currently accepting Apple Pay. Customers may also look for the contactless payment symbol or the Apple Pay symbol at participating merchants who accept Apple Pay.

The image you see in Passbook is not an exact copy of your Fifth Third card. It's only a digital representation of your card. All Fifth Third debit cards will appear gold and all credit cards will appear silver and blue.

To remove a card from Apple Pay, simply select the card in Passbook and click on the icon in the bottom corner to view the back of the card. Scroll to the bottom to find the “remove card” option. After deleting, you can re-add this card to Apple Pay at any time.

Apple Pay has enhanced security features that make payments more secure. Your credit card is only entered once, during setup. From that point, your device no longer stores or transmits your card number—it uses a different number that's tied to your device that is tokenized making it useless for fraudsters to use.

By using a device-only number as a substitute for your real credit or debit card number, you no longer need to share your personal account information when you shop. Using the digital account number reduces the possibility of your sensitive data being stolen or compromised because only the device-only account number is passed to the retailer and your personal details are never actually shared.

Yes, Apple Pay purchases using Fifth Third MasterCard Credit and Debit cards are protected from fraud under MasterCard's Zero Liability protection.

If you replace or update your device, your Fifth Third debit or credit card(s) will not be transferred automatically. You will need to set up Apple Pay again and re-add your cards on the new device.

If your Apple Pay device is ever lost or stolen, you can use Find My iPhone to easily suspend the device account number, or call Fifth Third using the number found on the back of your card to suspend it for you. You can continue to make purchases using your physical card even when the device account number is suspended on Apple Pay.

When a card enrolled in Apple Pay expires, Fifth Third will automatically update your card information within Apple Pay for you.

For any cards replaced due to loss, theft or fraud, you will need to add the card to Apple Pay as if it were new – either using the device camera or by manually adding the card information.

Apple Pay is currently compatible with iPhone 6 and 6 Plus, iPad Air 2, and iPad mini 3.

Fifth Third is committed to offering its customers secure and convenient payment solutions, ones that can be accessed through a variety of platforms and devices. We are currently working on new solutions and will make announcements when we are able to do so.

Fifth Third is committed to offering secure and convenient payment solutions, accessible through a variety of platforms and devices. We are currently working on an appropriate solution for Android users and plan to offer one as soon as possible.