Apple Pay® is a mobile payment solution that offers North Shore Trust and Savings debit card holders, with a compatible Apple device, the ability to pay using Apple Pay at millions of locations world-wide, including most major retailer and restaurant chains. Apple Pay is also an accepted payment option for many online and in-app purchases, providing North Shore Trust and Savings debit card holders further simplicity, security and choice when paying for things every day.

Making payments is safe when you use Apple Pay, thanks to tokenization, the industry standard for secure payments. Your card number isn’t stored on your phone or given to the merchant with your payment. Instead, Apple Pay uses a virtual account number to represent your account information–providing an extra layer of security. As an added convenience, Apple Pay allows you to send money quickly and easily through Messenger to other Apple Pay users.

To add your North Shore Trust and Savings debit card, you’ll need an iPhone® 6 / 6 Plus or newer and running iOS 8.1 or later.


Making payments with Apple Pay is easy. The entire transaction is secure, as your debit card numbers aren’t stored on the device or on Apple’s® server, so they’re never shared with the merchant. And, if your iPhone is ever lost or stolen, the Apple Security features (when enabled) will prevent anyone else from accessing your device until you can locate your phone or erase the data using the Find My Phone App.


Open the Wallet® app, swipe down and tap the plus sign.


Follow the onscreen instructions. You will have the option to use your iSight® camera and take a photo of your card or enter the information manually.


You may be asked to enter a validation code. Call the number on your screen and enter the validation code provided.


You are done! If your North Shore Trust and Savings card is already in iTunes®, just key in the Security Code (the CVV code from the back of your card).



Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.

Place your finger on the Touch ID®. Or, you may need to enter a passcode and sign a receipt.

Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.


Apple Pay allows you to pay for your purchases with your iPhone® 6 or iPhone 6 Plus by holding your phone near a contactless reader. You can also use your phone, iPad Air and iPad Mini 3 to pay within certain apps.

Apple Pay requires an iPhone 6/6plus or newer and iPad Air 2 or iPad Mini 3 or newer to pay for in-app purchases. Currently iPads do not work for in-store purchases. All devices will need iOS8 or later, Touch ID or Passcode enabled and a valid iCloud account. More details are available here.

North Shore Trust and Savings’ consumer debit cards, as well as our business debit cards can be used with Apple Pay. Apple Pay also allows you to connect other cards, such as a credit card, if the issuer has been certified by Apple.

Apple Pay uses a graphical representation, not an exact replica of your card. North Shore Trust and Savings has worked with Apple to create an image that should be easily distinguishable from other cards you may have stored in your Digital Wallet.

The average amount of time it takes before your card is fully active for use after being added and verified will vary, but shouldn’t take more than a few minutes. If you encounter any issues, please contact a Universal Banker for assistance. Don’t try to enter the same card multiple times.

The debit card associated with your iTunes® account or the first card you add to Passbook® is your default card. To change your default card:

  1. Go to “Settings > Passbook & Apple Pay.”
  2. Tap “Default Card.”
  3. Choose a new card.

You’ll delete the old card from Apple Pay and add the new card. To delete the old card, go into “Settings,” open “Passbook & Apple Pay,” select the card you want to delete and tap “Remove Card.” To add your new card, simply follow the easy step-by-step instructions.

Yes. When you use Apple Pay, your North Shore Trust and Savings card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for your card and device.

Apple Pay doesn’t store your card number on the device. Once the card is added to Apple Pay, a virtual card with a unique identification number is created and stored on the device.  When you use your virtual card, a token is generated and passed to the merchant for authentication.  This token is specific to each transaction, therefore it cannot be duplicated and you never reveal your name, card number or security code to the merchant.

You can use Apple Pay at millions of locations world-wide, including most major retailer or restaurant chains. Apple Pay is also an accepted payment option for many online and in-app purchases. Just look for the Apple Pay logo. In situations where you have to dip your card or in places where you don’t swipe your card yourself (e.g., sit-down restaurants, hotels, auto shops), it’s better to use your actual card. Apple Pay doesn’t currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.

When paying with Apple Pay, you’ll receive and sign a receipt for your purchases, just as you would with a physical card. You won’t receive a separate physical or digital receipt from Apple Pay.

Returns made through Apple Pay are handled the same way as with your physical card–according to the store’s policies. If you return an item paid for through Apple Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.

Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed.

Yes. Be aware that message and data rates may apply, depending on your data plan.

More information is available at