Mobile Pay

1. Which Tandia cards can I use with Apple Pay?
Tandia Member Card® debit cards are currently available. Apple Pay will use the same default account (CHQ/SAV) that you use for Interac® Flash purchases.

2. Can I add my Tandia debit card to more than one Apple device?
Yes, you can add your card to one or more eligible Apple devices.

3. How do I make my Tandia debit card the default card in Apple Pay?
The first card added to Apple Pay is automatically set to be the default card. To change your default card, open the Wallet app, hold and drag your Tandia debit card to the front. You may also:
a)    Open Settings and select “Wallet & Apple Pay”
b)    Select “Default Card” under “Transaction Defaults” and choose your Tandia debit card.

4.  Is Apple Pay free?
Yes, there are no fees to use or register you card with Apple Pay. Each transaction in Apple Pay will count as a transaction, if transaction fees are applicable for your account. Your wireless carrier may charge additional fees for data usage.

5. How is Apple Pay secure?
Each payment requires your authorization through either TouchID, passcode or Face ID. Your card details are not stored on your device and won’t be shared with the merchant. If your device is lost or stolen, you can remotely suspend Apple Pay or wipe your device.

6. Is my account number stored on my phone?
No, your account number is replaced with a secure digital number known as a token. The token represents your Tandia debit card and is used to make secure purchases, in-app and in-store.

7. On which devices will Apple Pay work?
Apple Pay works on iPhone 6 or higher, or iPhone 5 if you have an Apple Watch.

8. Do I need network access to make a purchase?
No, a network connection is not required to make a payment, but it is recommended to receive transaction alerts.

9. How do I do a Refund?
Refunds are initiated by the Merchant at their POS terminal, following the same rules as refunds do today. It is recommended that you bring your physical card with you.

10. What if my device is lost or stolen?
If you have any reason to believe your Tandia debit card details used for Apple Pay have been stolen or compromised please call us at 1.800.598.2891. You can remove your card remotely using Apple’s “Find my iPhone”.

11. If I get a new Tandia debit card, do I have to update Apple Pay?
Yes, you will need to delete the previous card and add the new card.

12. Can I remove my card from Apple Pay?
Yes. To remove a card from Apple Pay: open settings, select “Wallet & Apple Pay”, choose “Select Card”, and then select “Remove Card”.

1. Is Samsung Pay available for both personal and business members of Tandia Financial Credit Union?
Samsung Pay is currently only available to Tandia members with a personal account who have Tandia Financial Credit Union MEMBER CARD® debit card.

17. Will I get a notification on my phone for a declined transaction?
Yes, you will get notifications for declined transactions, just as you would for successful ones. Check your account records for your current balance and transaction status.

18. Why does the transaction history on my phone not include purchases made with my watch?
Each device only displays transactions performed with that device, since the virtual "card number" on your watch is different than the "card number" on your phone. This security feature helps us to manage situations when a device (either the watch or the phone) is lost, stolen or upgraded.

19. How do I get a refund?
Refunds are initiated by the retailer at the payment terminal following the same process as a purchase, with one exception. The cashier may ask you for the last four digits of your Device Account Number. To find the last four digits of your Device Account Number for your card, tap the (i) or (...) button on your card in the Samsung Pay app to view the back of your card.
When you return a purchase made with Samsung Pay you will receive a refund to your account. Successful refunds will be processed immediately.

20. Is there an easy way to pay with another card?
Yes, to pay with another card open the Samsung Pay app and select that card before making your purchase. The card used last will be shown as the first option for your next transaction.

21. How do I stop using Samsung Pay?
Having a card with Samsung Pay does not block you from making purchases using your physical card. You always have the option remove your card from the Samsung Pay app.

22. How do I remove a card from the Samsung Pay app?
a) Open the Samsung Pay app
b) Tap Wallet and then select Credit/Debit
c) Select the card you want to remove and then touch the "..." (three dots at the top of the screen) for more options
d) Select Delete Card and then choose a reason for removing the card
e) Tap Delete and then authenticate using your PIN, fingerprint or iris scan.

23. Will removing my card deactivate my plastic card?
No, removing your card from the Samsung Pay app will only deactivate the card from being used for Samsung Pay. It will have no effect on your plastic card.

24. What should I do if Samsung Pay is not working with the payment terminal?
Samsung Pay should work at all retailers that accept Interac Flash. Depending on the location of the signal from the phone and the case you are using, you may need to either remove the case or re-position your phone on the payment terminal. Payment terminals also vary from store to store so what works at one may not work at another. If you have trouble, ask the retailer if they accept Interac® on Samsung Pay.

25. Do I need network access to make a purchase?
No. Your phone (powered and unlocked) has everything you need to complete a purchase at a retailer, whether or not you have network access at that time. As with card purchases, you may not be able to complete a purchase if the retailer’s payment terminal is offline or unavailable. You will need network access to receive transaction notifications from Samsung.

26. I’m having trouble with Samsung Pay. Who do I contact?
If you are having trouble using Samsung Pay, please call us at 1.800.598.2891 and we will be happy to answer your questions.

27. Will the case on my phone interfere with making purchases?
The Samsung Pay signal is a magnetic field created by a small antenna, which interacts with a similar antenna on the payment terminal. The case on your phone, depending on its thickness and material, could interfere with this signal. If you have trouble using Samsung Pay, try re-positioning your phone on the terminal and waiting up to a few seconds for the devices to communicate with one another. For some thicker phone cases, you may need to remove the case to complete a purchase.

28. How is Samsung Pay secured?
Each Samsung Pay transaction is protected by, and requires, your authorization using PIN, fingerprint or iris scan. Samsung Pay uses tokenization, a secure environment and Samsung KNOX to secure your payment information. Card information is encrypted and securely sent to the appropriate card network. Upon determining their card validity, account information, and device integrity, Interac sends a token to the device. The token is stored in the Trusted Execution Environment on the device, leveraging Samsung KNOX’s Architecture. No debit card information is stored on Samsung’s devices or servers.

29. Is additional information being collected from me when I use Samsung Pay?
Samsung Pay does not capture any transaction information that can be tied back to you. If you have location services turned on, the location of your device and the approximate date and time of the transaction may be sent anonymously to Samsung. View the Samsung Pay terms and conditions for more information.

30. What is NFC?
NFC stands for Near Field Communication, which is a contactless proximity technology. NFC uses the same technical standards as plastic cards (such as Interac® Flash), which allows you to tap your card to complete transactions. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

31. How does the technology work?
When you register a card with Samsung Pay, the card is assigned a digital identification number, which is encrypted and verified by Samsung and Interac – and protects your payment information.

32. How am I protected against fraud?
Each Samsung Pay transaction requires your authorization through PIN, fingerprint or iris scan. Your card number is not shared with the merchant nor saved on your device.