Apple Pay is a secure and convenient digital wallet service that lets you make payments in stores, in apps, and online using your iPhone, Apple Watch, iPad, or Mac.

Yes, Apple Pay also works without an internet connection for payments in stores that have POS terminals supporting NFC (Near Field Communication – contactless). Your device (iPhone or Apple Watch) stores in advance the necessary data to complete a limited number of transactions. Therefore, as long as the store’s POS terminal is online, the payment can be processed even if your device does not have internet access. These types of payments are just as secure as those made when your device is online. However, to add a new card or to make purchases online/ in apps, an internet connection is required.

No, you're not limited to just personal debit cards. You can add a variety of card types to Apple Pay, including your personal Mastercard Standard, Mastercard Credit, and business debit cards.

No, Apple Pay is completely free to use with ProCredit cards.

Activating Apple Pay is easy, simply open the Apple Wallet app on your mobile phone and follow the steps to add your ProCredit Bank card and verify it. We invite you to follow the full instructions in the Apple Pay section on our official website by clicking here. If you encounter any difficulties during the activation process, you can contact our Contact Center at: +355 42 389 389.

You can add up to 8 cards using the same iCloud account, although this may vary depending on the iOS version and the device model.

You should notify the bank so that the token linked to your virtual card can be set to “suspended,” “stolen,” or another appropriate status, depending on the case.

Apple Pay supports not only debit cards but also credit cards. You can easily add them through the Apple Wallet app.

The daily and weekly limits will be the same as those you currently have for transactions with your physical card.

Yes, Apple Pay can also be used for online purchases on websites and apps that support this payment method.

All the transactions you’ve made with Apple Pay can be checked in the same way as with your physical card, through Mobile Banking or E-Banking, depending on your preference.

In this case, the token linked to the virtual card remains active.

As soon as the status of your physical card changes to ‘lost/stolen,’ the status of the token linked to the virtual card in Apple Pay also changes accordingly.

If you don’t receive the security code (OTP) via SMS during the card registration in Apple Wallet, it could be because the phone number registered with the bank is incorrect or there’s a technical issue. In this case, you can continue the registration by selecting the “Call ProCredit Bank Albania” option. This will automatically connect you with a Contact Center operator. The staff will verify your information in the system. If the details match and the phone number is up to date, they will open a request for manual verification of the card. This request is sent to the Digital Channels team, who will check the card and proceed with activating it for Apple Pay. Once the card is activated, you will be notified by the Contact Center about the completion of the process. The entire procedure is handled by the next working day after the request is opened.

Apple Pay does not store your actual card information on your device or Apple’s servers. Instead, it uses advanced tokenization technology, which ensures high security and maximum privacy during transactions.

Each payment is authorized biometrically, using technologies like Face ID, Touch ID, or by entering the passcode.

The bank sends an automatic message to the phone number you have registered in the bank’s system, confirming that your card has been activated and is ready for transactions through Apple Pay.

After adding cards to Apple Wallet, you can check the card you’re using for payment by tapping on the selected card and then tapping the three-dot icon on the right side of the screen.
There, you’ll see the card details, including:

• the last four digits of the physical card
• the last four digits of the digital token
• the payment network type (e.g., Mastercard), helping you clearly identify which card is being used for the payment

If you have more than one card, you can also set which one you want to use as the default for payments.

Yes, you can perform transactions at ATMs using Apple Pay, but only at ATMs that support “Contactless” technology. These ATMs display the contactless payment symbol (the wave-like icon), similar to POS terminals.

To start the transaction:

• Double-click the side button (Power) on your iPhone to activate the card.
• Authenticate yourself using Face ID, Touch ID, or your passcode.
• Hold your iPhone near the ATM’s contactless reader.
• Your digital card and a “tick” symbol will appear on the screen, indicating successful authentication.
• Then, you can proceed with the ATM operations available, such as cash withdrawal or balance check, according to your bank’s policies.

Apple Pay works only on Apple-supported devices such as iPhone, Apple Watch, iPad, and Mac with Touch ID. For more detailed information and a full list of supported devices, we recommend checking Apple’s official website.

Yes, you can use Apple Pay on multiple devices simultaneously, but you need to add your card separately to each device. Each device uses a unique token to ensure the security of transactions.

Yes, you can use Apple Pay abroad as long as the POS terminal or ATM supports Apple Pay payments and your bank allows international transactions.

In Apple Wallet, press and hold the card you want to set as default, then drag it to the top of the list.
Alternatively, you can go to Settings > Wallet & Apple Pay and select your Default Card for payments.

Look for the Apple Pay logo or the “Contactless” payment symbol on the store’s physical payment terminals. Also, many apps and online websites display the Apple Pay icon during the checkout process.

Apple Pay works only on terminals that support “Contactless” technology. If the terminal doesn’t have this feature, you will need to use your physical card to make the payment.