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Mobile Payment

    Overview

    Members can now add their Freedom Visa® credit and debit cards to their smart device to make purchases. Our cards are now compatible with Samsung, Android, and Apple devices. Your digital card will be accepted virtually anywhere you can swipe or tap your card. Neither the merchant or your device stores the payment information and each transaction is unique, so your account details are protected.

    Look for one of these symbols at checkout:
    NFC ApplePay AndroidPay Samsung-Pay

    To learn more about your specific device, click on any of the tabs above.

    Apple Pay

    You can now use your Freedom debit and credit cards with Apple Pay. Apple Pay is an easy, secure, and private way to pay in thousands of stores and in some of the most popular apps in the App Store.

    It’s easy to add your Freedom debit and credit cards to Apple Pay

    • Open the Passbook app (or Settings then Passbook & Apple Pay). Select "Add Credit or Debit Card"
    • Enter your card information or use your devices camera to capture it.
    • Freedom Credit Union requires you to validate your identity by calling
      215-612-5900 before the card will be ready to use.
    • Use your Freedom card with Apple Pay anywhere it is accepted. Look for one of these symbols at checkout:
      NFC-Logos

    Have questions about setting up Apple Pay? Visit the Apple support website for help with your specific device.

    Learn more about Apple Pay

    Where to use Apply Pay

    *Apple Pay is only available on select Apple devices


    Frequently Asked Questions

    How it Works: Apple Pay and Digital Account Numbers

    My new Apple device has Apple Pay. How do I set it up?
    Before making a payment with your new Apple device, you will need to follow a few simple steps to enroll in Apple Pay. Once enrolled you can add your Freedom CU credit or debit cards.

    1. Go into Settings on your mobile device, open Passbook & Apple Pay, and select “Add Credit or Debit Card”.

    2. Type your card information or use your iSight camera to capture it. Apple Pay will require you to validate your identity by calling 215-612-5900 before the card is ready to use.

    3. Your Freedom Credit Union card is ready to use with Apple Pay.

    When can I use the new Apple device payment feature?
    Once you have completed the enrollment and identity verification process you can begin using Apple Pay immediately.

    What is a digital account number and why should I care?
    The 16-digit account number found on the front of your card will be replaced with a digital account number that can be securely stored on Apple devices and used to make purchases. Your actual credit and debit card numbers are NOT stored on the device, or on Apple servers. This helps to reduce the potential for fraud.

    The process is invisible to consumers and happens behind the scenes. It also helps to simplify checkout by eliminating the need to enter and re-enter your account number when buying items in mobile applications “in-app” or at the point-of-sale.

    On which devices / phones / tablets / computers will this work?
    At this time, Apple Pay is compatible with iPhone 6 and iPhone 6 Plus for purchases in stores and in Apps. The iPad Air 2 and iPad mini 3 are Apple Pay compatible for in App purchases. The Apple Watch is Apple Pay compatible for in store purchases.

    Where can I use my digital account number/Apple Pay – In-store or online?
    Initially, digital account numbers can be used for in-app purchases through participating merchant mobile applications on your new Apple devices, as well as through the iPhone 6 and iPhone 6 Plus at any merchant where contactless payments are accepted. Please visit https://www.apple.com/apple-pay/where-to-use-apple-pay/ for participating merchants.

    Who utilizes digital account numbers/Apple Pay?
    Digital account numbers are used by the merchants accepting your payment, the payment network that processes your transaction, Apple Pay, and the financial institution that issues your card. Please visit https://www.apple.com/apple-pay/where-to-use-apple-pay/ for participating merchants.

    Is the Apple Pay service available internationally?
    At this time, Apple Pay is only available in collaboration with certain U.S. financial institutions. The availability of Apple Pay outside the U.S. will be determined by Apple.

    Can I use Apple Pay to make contactless payments internationally?
    Yes. Apple Pay has been designed to enable contactless payments internationally.

    Do I need to be connected to the internet?
    For in-store contactless payments you do not need to be connected to the internet.

    Security and Data Privacy

    How will this keep my information more secure?
    By using a digital account number, you no longer need to share your personal account information when you shop. This reduces the threat of your sensitive data being stored by merchants and the potential of being compromised. Since the digital account number is the only information passed, your payment details are never actually shared with a merchant. In addition, if your device is ever lost or stolen, you will not need to cancel your underlying card, only the digital account number, which can be quickly reissued.

    How does my Apple device transmit payment details?
    When shopping in-store, simply activate the payment functionality on your Apple device and hold the device in front of a contactless reader. The digital account information stored on the device will be transmitted directly to that contactless reader.

    Will I know if my digital account number is being used?
    Digital account numbers will support a seamless payment experience. Please contact Freedom Credit Union for information on alerts or notifications.

    Is my credit or debit card number passed to the merchant?
    No, your credit and debit card numbers are NOT stored on the device, or on Apple servers. This helps to reduce the potential for fraud. Instead, a digital account number is used, and passed to the merchant.

    Can I remove my digital account number stored on my Apple devices?
    Yes, you are able to easily delete the account from your device. If you delete your digital account you will still be able to continue to make purchases with your physical payment card.

    Am I liable for fraudulent transactions?
    No. Whether you use a digital account number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions. Please contact Freedom Credit Union for more information. The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details.

    What information is stored about my purchases?
    Transaction data that is stored is kept anonymous and recent purchase history is kept private. This information is stored only on your device and not on Apple servers, or is it used for Apple marketing.

    Convenience and Usage

    What if my physical Visa card is lost or stolen?
    Please contact Freedom Credit Union as soon as possible. Once you receive your replacement card you can add your new card to your mobile wallet.

    What if my Apple device is lost or stolen?
    If your Apple device is lost or stolen, use “Find My Apple Device” to quickly suspend or remove your digital account numbers for the respective device. You may also contact Freedom Credit Union who can perform the same action on your Visa card(s). Once you receive your new device simply add cards to your wallet. In the meantime, you can continue to use your physical card without interruption.

    If I sell or give my Apple device to someone else, what will happen to the digital account information in the device?
    When selling or giving away your iPhone 6 or other new Apple product you should make sure you delete all digital accounts in Apple Pay. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts. If you forget to do this, contact Freedom Credit Union to cancel your digital account.

    If I lose my Apple device and if someone starts using it to make purchases, am I liable for those purchases?
    Whether you use a digital account number or a physical Visa card, you are protected with Visa zero liability against fraudulent transactions. Please contact Freedom Credit Union for more information.

    Will I continue to earn loyalty or rewards benefits from my credit and debit card(s)?
    It is expected that digital account numbers will not impact any loyalty or rewards programs you have with Freedom Credit Union. Please contact Freedom Credit Union for information on loyalty and rewards programs.

    What will it look like on my monthly / online statement?
    We expect that the use of digital account numbers will result in a similar statement experience.

    What should I do when I receive a new, renewed or replacement card?
    For any new or replacement cards, you will go through the initial set up of providing the basic payments details to add the card to Apple Pay. For a card renewal, the new expiration date will be automatically provided from Visa to Apple seamlessly, with no action required by you.

    What if I need to return an item?
    Any returns should be processed as normal. However, individual merchant return policies may vary.

    What payment information will be on my receipt?
    Receipts should look the same as they always have. However, in some cases, receipts created from a digital account usage may display the last four digits of your digital account which may differ from the last four digits of your physical card.

    Where can I view the full Terms of Use?
    Please contact Freedom Credit Union and Apple for the terms and conditions for the service.

    Who do I contact for general questions about my digital account number?
    Please contact Freedom Credit Union or visit Freedomcu.org for more information.

    Android Pay

    Choose your device, add your credit or debit cards, and you’re all set. Wherever you are — at a store or in an app — you’re ready to use Android Pay.

    Add your Freedom debit and credit cards to Android Pay

    • Android Pay comes preloaded on several devices. If your phone doesn’t have the app, simply download it from Google Play.
    • If you already have a card in your Google account you can simply add it to Android Pay by confirming a few details, or you can add a new card - it’s as simple as snapping a picture.
    • Simply unlock your phone and tap to use Android Pay at any of the over one million store locations throughout the US that accept contactless payments.

    Have questions about setting up Android Pay? Visit the Android Pay website for help with your specific device.

    Samsung Pay

    Pay almost anywhere you can swipe or tap your card. Samsung Pay is the new way to pay with your Samsung Galaxy device.
    It’s simple. Secure. And works in more stores than any other mobile payment service. Plus, you can add membership and loyalty cards, so you’ll never miss out on your rewards.

    Add your Freedom debit and credit cards to Samsung Pay

    • A Samsung Pay shortcut is preloaded on compatible Samsung devices. Find Samung Pay in your Apps to install the necessary files and begin the setup process.
    • Add a new card and use your devices camera to capture your information, or you can manually enter it.
    • After the card is added and verified, it can be used immediately to make a purchase.

    Have questions about Samsung Pay? Visit the Samsung Pay support website for help with your specific device.