THESE ARE THE MOST CURRENT APPLE PAY & WALLET TERMS AND CONDITIONS (“APPLE PAY & WALLET TERMS”) FOR THE U.S. AND SUPERSEDE ANY APPLE PAY & WALLET TERMS THAT MAY APPEAR ON YOUR IPHONE, IPAD, APPLE VISION PRO, MAC COMPUTER, APPLE WATCH (EACH OF THE FOREGOING, A “DEVICE”) OR ELSEWHERE.
PLEASE READ THESE APPLE PAY & WALLET TERMS CAREFULLY. BY USING APPLE PAY, YOU ARE AGREEING TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, REMOVE YOUR PAYMENT CARDS FROM APPLE WALLET.
These Apple Pay & Wallet Terms supplement the Apple Software License Agreement that you have agreed to for your Device (the “License”); both the terms of the License and these Apple Pay & Wallet Terms govern your use of the Apple Pay feature (“Apple Pay”) and Apple Wallet (“Wallet”), which shall be deemed a “Service” under the License. Capitalized terms used in these Apple Pay & Wallet Terms have the meanings set forth in the License. Your acceptance of these Apple Pay & Wallet Terms constitutes your acceptance of the respective Apple Pay & Wallet Terms on all of your Apple Devices that support Apple Pay and Wallet. Some features described below are only available on certain types of Apple Devices.
Apple Pay and support of your Apple Pay Cards (as defined below) in Wallet are provided in the United States by Apple Payments Services LLC (“Apple Payments Services”) and outside of the United States by other Apple affiliates. Wallet is otherwise provided by Apple and other Apple affiliates. Apple, Apple Payments Services, and the respective Apple affiliates are each a party to these Apple Pay & Wallet Terms with respect to the Services it provides.
1. Overview
Apple Pay
Apple Pay allows you to make contactless payments using credit, debit, and prepaid cards, as well as third party installment payment services, in select locations, or within select apps or websites.
Apple Pay and certain features of Apple Pay may only be available in select regions, with select card issuers, payment networks, merchants, and other third parties.
Wallet
Wallet allows you to store virtual representations of credit, debit, and prepaid cards to be used with Apple Pay (collectively, “Apple Pay Cards”), as well as other types of cards, passes, and keys, including without limitation the following (collectively, “Wallet Passes”, and together with Apple Pay Cards, the “Supported Cards”):
- rewards cards;
- transit cards;
- tickets;
- boarding passes;
- membership passes;
- vaccination cards;
- car keys;
- scooter keys;
- home keys;
- hotel room keys;
- employee badges;
- student ID cards; and
- driver’s licenses and state or government-issued identification cards (collectively, “ID Cards”).
Wallet Passes may only be available in select regions, with select partners and on certain types of Apple Devices. ID Cards may only be available for residents of participating states and presentment may vary by state or location.
Supported Cards and supported Devices may change from time to time.
2. Eligibility
To set up and use Apple Pay and Wallet, you must have (i) a supported Device running a version of operating software that supports the Services (latest version recommended and sometimes required), (ii) an Apple Account associated with an iCloud account that is in good standing with Apple, and (iii) Internet access or cellular data access (fees may apply). Subject to certain exceptions, Apple Pay Cards are only available to individuals aged 13 years or older, and may be subject to additional age-based restrictions imposed by iCloud or the relevant issuer, merchant, or other third party. Transit cards, certain prepaid and e-money cards, ID Cards, employee badges, and keys are only available for setup on certain iOS Devices.
If you are a parent or legal guardian of an iCloud Family (an “Organizer”), you may invite Family members, including those under age 13 (or the equivalent minimum age in the applicable country), to provision and use eligible transit cards in Wallet. As the Organizer, you will be responsible for all payments, purchases, and transactions made using the transit card that has been enabled for Family members, including those initiated by the Family member. Eligibility for, and use of, transit cards in Wallet are subject to the terms and conditions of the relevant transit agency. Organizers are responsible for complying with such terms and conditions and assume all risk related to enabling transit passes with other Family members. When a Family member leaves or is removed from the Family, the Family member will no longer be able to reload the transit card and will only be able to transact on the card until such time as the card account balance is zero.
If you are the owner of a car key, you can share your car key with others aged 13 years or older so they can unlock, access, and/or drive your car.
Home keys can only be added or removed from Wallet by adding or removing locks in the Home app or adding or removing yourself from a home in the Home app. If you are the administrator of a home in the Home app, any existing home keys will automatically be shared with people whom you have invited and who join your Home.
3. Use of the Services
Supported Cards are associated with the Apple Account that you have signed into iCloud to use these features. When you add Wallet Passes to Wallet, the change may appear on your other Apple Devices where you are signed in with your Apple Account. You will only be able to associate one ID Card for each state issuing authority with each Apple Account.
Apple Pay and Wallet are intended for your personal use and you may only provision your own Supported Cards or those that you have been invited to provision from an Organizer or owner. If you are provisioning a supported corporate card, you represent that you are doing so with the authorization of your employer and you are authorized to bind your employer to these Apple Pay & Wallet Terms and all transactions effected by use of Apple Pay and Wallet. If you are provisioning an ID Card, you represent that you are doing so using your own personal information that accurately and truthfully represents you.
You agree not to use Apple Pay or Wallet for illegal or fraudulent purposes, or any other purposes that are prohibited by the License and these Apple Pay & Wallet Terms. You further agree to use Apple Pay and Wallet in accordance with applicable laws and regulations. You acknowledge that any false information submitted in connection with an ID Card may be a criminal offense under applicable law. You agree not to interfere with or disrupt Apple Pay or Wallet (including accessing the Services through any automated means), or any servers or networks connected to the Services, or any policies, requirements, or regulations of networks connected to the Services (including any unauthorized access to, use, or monitoring of data or traffic thereon).
You can use Apple Pay on your supported Mac Computer to initiate payments on websites. You can complete your purchase by authorizing the transaction using your Mac Computer with Touch ID or password, iPhone, or Apple Watch. If you complete your purchase on your Mac Computer, you must have an Apple Pay Card that is associated with an active iCloud account. If you complete your purchase using iPhone or Apple Watch (collectively, the “Related Devices”), you must be signed in with the same Apple Account as on your Mac Computer. When using Apple Pay on a desktop web browser other than Safari, you must have an Apple Pay Card that has been provisioned to a supported iPhone or iPad. Related Devices may change from time to time.
If your access to or use of Apple Pay or Wallet is prohibited by applicable law, you are not authorized to access or use these Services. We are not responsible if you access or use the Services in any manner that violates applicable law.
4. Apple’s Relationship With You
For purposes of this Section 4 only, “Apple” refers to, collectively, Apple Inc., Apple Payments Services LLC, and the respective Apple affiliates. Your use of Apple Pay will be governed by these Apple Pay & Wallet Terms, as well as by the terms of the cardholder agreement you have in place with the relevant issuer, merchant, or other third party responsible for your Apple Pay Card.
Similarly, your use of Wallet Passes in Wallet will be governed by these Apple Pay & Wallet Terms, as well as by the terms of your agreement with the relevant merchant, transit agency, car or lock manufacturer, university, hotel, resort, cruise line, corporation, state issuing authority, or other third party.
Apple is not a financial institution. Apple Pay Cards are not issued or serviced by Apple, and Apple does not process payments or other non-payment transactions made on your Supported Cards. Apple has no control over, and is not responsible for, any payments, chargebacks, returns, refunds, funds transfers, rewards, value, discounts, access, identity verification, orders, order fulfilment, or other activity that may arise out of your use of Apple Pay or Wallet.
Installment payments on Apple Pay are supported and managed by third party partners. If you choose to pay in installments or to purchase and pay later with a third party when using Apple Pay, you are contracting with the third party and eligibility determinations and repayment of your purchase obligation are governed by that third party’s terms of service, which are presented to you during checkout. Apple is not a party to any agreement between you and that third party, and expressly disclaims all liability with respect to such installment payment services and agreements.
If there is any conflict between the terms of these Apple Pay & Wallet Terms and your agreement with the relevant issuer, merchant, state issuing authority, or other third party (each, a “Third Party Agreement”), the terms of these Apple Pay & Wallet Terms will govern your relationship with Apple, and the terms of the relevant Third Party Agreement will govern your relationship with such third party.
You agree that Apple is not a party to any of your Third Party Agreements, nor is Apple responsible for:
(a) the content, accuracy or availability of any Supported Cards, purchases, transactions, funds transfers, orders, order fulfilment, receipts, or other activities while using Apple Pay or Wallet, including without limitation those made by Family members or others with whom you have shared your Supported Cards or have access to your Device; (b) the issuance of credit or accessing eligibility for credit; (c) the issuance, suspension, or revocation of a driver’s license or state identification card; (d) activities of issuers, merchants, app developers, or other third parties related to your use of Apple Pay or Wallet; (e) decisions made by an issuer, merchant, or other third party in connection with adding your Supported Card to Wallet; (f) your membership or participation in any merchant or partner program; (g) any accrual or redemption of rewards or stored value in connection with your Supported Cards; or (h) funding or reloading of prepaid Supported Cards.
For all disputes or questions about Supported Cards or associated commerce activity, please contact your issuer or the applicable merchant, state issuing authority, app developer, or other third party. For questions regarding Apple Pay or Wallet, please contact(800) APL-CARE (800-275-2273).
5. Privacy
Apple’s, Apple Payments Services’, and the respective Apple affiliates’ collection and use of personal information is governed by the Apple Privacy Policy, available at https://www.apple.com/legal/privacy/.
In addition, if you are using Apple Pay on your supported Mac Computer, then when using Apple Pay to initiate a payment transaction to be completed on a Related Device, Apple Pay will transfer payment information in an encrypted format between your Mac Computer and your Related Device to complete your transaction. When using Apple Pay to make a payment transaction on a MacBook Pro with built-in Touch ID, your payment information will be provided in encrypted format to the website as part of that transaction.
You can find detailed information on the personal information collected, used, or shared as part of your use of Apple Pay and Wallet by reading the relevant service specific privacy notices, including About Apple Pay and Privacy, which can be accessed on your Device (including within the Watch app on a paired Device), or by visiting https://www.apple.com/legal/privacy/. By using Apple Pay and Wallet, you agree and consent to Apple’s and its affiliates’ and agents’ transmission, collection, maintenance, processing, and use of all of the foregoing information, to provide these Services.
6. Security; Lost or Disabled Devices
PROTECTING YOUR SUPPORTED DEVICES AND CREDENTIALS LIKE YOU WOULD PROTECT YOUR PHYSICAL WALLET ANDCARDS.
Apple Pay and Wallet store virtual representations of your Supported Cards and should be protected as you would protect your physical wallet, keys, or credit, debit, prepaid, identity and other cards. You are solely responsible for maintaining the security of your Devices, your Apple Account, your Touch ID, Face ID and Optic ID information, the passcode to your supported Device(s), and any other authentication credentials used in connection with the Services (collectively, your “Credentials”). If you authorize or allow anyone else to use your supported Device (e.g., by providing your Device passcode to a third party or allowing a third party to add their fingerprint to use Touch ID or enable Face ID or Optic ID, or otherwise providing any of your Credentials to a third party), the person may be able to make payments, receive or redeem rewards, use value, unlock or otherwise access your car, room, office or home, impersonate your identity, or make other transactions with your Supported Cards in Wallet. In such event, you will be responsible for all payments, access, verifications, and transactions made by that person.
JAILBROKEN DEVICES
If you make unauthorized modifications to your Device, such as by disabling hardware or software controls (sometimes referred to as “jailbreaking”), your Device may no longer be eligible to access or use the Services. You acknowledge that the use of a modified Device in connection with the Services is expressly prohibited, constitutes a violation of these Apple Pay & Wallet Terms, and is grounds for us to deny or limit your access to the Services.
ADDITIONAL SECURITY MEASURES
You may need to enable additional security measures, such as two-factor authentication for your Apple Account, in order to access particular features of Apple Pay. If you subsequently remove those security features, you may not be able to continue to access particular features of Apple Pay. Deleting the Face ID or Touch ID that is associated with your ID Card for presentment will require you to complete the entire ID Card provisioning process.
LOST OR STOLEN DEVICES
If your Device is lost or stolen and you have Find My enabled, you can use Find My to attempt to suspend the ability to transact with the virtual Supported Cards on that Device by putting it into Lost Mode. If your Device is in Lost Mode, your car key may be disabled in Wallet and you will no longer be able to access or start your car once you have left the vehicle or turned off the engine. Lost Mode only affects keys on the lost Device. If you are the owner, you will no longer be able to share your car key or home key with others, but keys that have already been shared with others will not be impacted from their Devices.
You can also erase your Device, which will attempt to suspend the ability to transact with the virtual Supported Cards on the Device. If you have set up a recurring payment transaction using Apple Pay, you may need to contact the relevant issuer or merchant to cancel the recurring payment. You should also contact the issuer, merchant, or other responsible third party of your Supported Cards in order to prevent unauthorized access to your Supported Cards on Apple Pay and in Wallet.
If you report, or Apple or its affiliates suspect, fraudulent or abusive activity, you agree to cooperate with Apple and its affiliates in any investigation and to use any fraud prevention measures we prescribe.
7. Limitation of Liability
IN ADDITION TO THE DISCLAIMERS OF WARRANTIES AND LIMITATION OF LIABILITY SET FORTH IN THE LICENSE, APPLE, APPLE PAYMENTS SERVICES, AND THE RESPECTIVE APPLE AFFILIATES DO NOT ASSUME ANY LIABILITY FOR PURCHASES, PAYMENTS, FUNDS TRANSFERS, ORDERS, ORDER FULFILMENT, RECEIPT INFORMATION, ACCESS, IDENTITY VERIFICATION, TRANSACTIONS, OR OTHER ACTIVITY MADE USING APPLE PAY OR WALLET, AND YOU AGREE TO LOOK SOLELY TO AGREEMENTS YOU MAY HAVE WITH YOUR CARD ISSUER, PAYMENT NETWORK, FINANCIAL INSTITUTION, MERCHANT, APP DEVELOPER, STATE ISSUING AUTHORITY, OR OTHER APPLICABLE THIRD PARTY TO RESOLVE ANY QUESTIONS OR DISPUTES RELATING TO YOUR SUPPORTED CARDS AND ASSOCIATED ACTIVITIES.
8. Assignment
You may not transfer or assign any rights or obligations you have under these Apple Pay & Wallet Terms. Apple and Apple Payments Services may each transfer or assign these Apple Pay & Wallet Terms or any right or obligation under these Apple Pay & Wallet Terms at any time.
Notices from Apple, Apple Payments Services, and the respective Apple affiliates
If Apple, Apple Payments Services or an Apple affiliate needs to contact you about the Services, you consent to receive the notices by email. You agree that any such notices that we send you electronically will satisfy any legal communication requirements.
Last Updated: September 16, 2024