Most popular questions

  • How do I Tap and Pay with Google Pay, Apple Pay or Samsung Pay?

    GOOGLE PAY
    To Tap and Pay with your phone using Google Pay, simply follow these steps:

    Check your mobile number is up to date on your People’s Choice account via internet banking, if it is not up to date, make sure it is before continuing
    Register for Google Pay by downloading the Google Play App from the Google Play Store
    Add your People’s Choice Credit Union card
    Tap & Pay! There's no need to launch the App - simply wake your device to make payments.

    APPLE PAY
    To Tap and Pay with your phone using Apple Pay, simply follow these steps:

    Open the People’s Choice Mobile Banking App
    Tap ‘Add your cards now’ at the top of the home screen
    Select the card you’d like to add to Apple Pay
    Follow the prompts.
     

    SAMSUNG PAY
    To Tap and Pay with your phone using Samsung Pay, simply follow these steps:

    Download the Samsung Pay App
    Open the Samsung Pay app and sign in with your Samsung ID.
    Register your fingerprint and device passcode which you’ll use to authorise payments.
    Have you got a Galaxy S8 or Galaxy S8+? You can even use iris authentication!
    Scan or enter your People’s Choice Visa Debit or Credit card details.
    Verify your card details and enter the verification code.
  • How do I change my default card?

    The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:

    iPhone
       - Open the Wallet app
       - Touch and hold your finger over the card you want to make the default card
       - Drag the card to the front of the cards in the Apple Pay section

    Apple Watch
       - Open the Watch app on your iPhone
       - Go to the My Watch tab
       - Tap Wallet & Apple Pay and then Default Card
       - Choose a new card

    iPad
       - Go to Settings
       - Tap Wallet & Apple Pay and then Default Card
       - Choose a new card
  • What is the Device Account Number?

    The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.
  • Where can I find the Device Account Number?

    The Device Account Number can be found by opening the Wallet app and tapping the(i)symbol in the bottom right corner and then scrolling down to find Device Account Number.
  • I was prompted to receive a One Time Password. What is it why is this required?

    We confirm your identity with a One Time Password to keep your accounts secure. This code can be sent via SMS or by contacting our National Contact Centre on 13 11 82.

Google Pay

  • How do I use Google Pay?

    It’s easy!

    Unlock your device using secure Android device lock, pin, password or pattern
    Hold the device over the contactless terminal.
    Done.
     There’s no need to open the Google Pay App first, just tap.

     You can also use Google Pay to make in-App purchases.

    Spotted the Google Pay logo or ‘Buy with Google Pay’ at checkout?
    Select the payment option and confirm.
    Done.
  • How is Google Pay secure?

    Google Pay creates a virtual card that is stored within the App, therefore the physical card details are not stored or displayed. Virtual card information is protected by the secure Android device lock, pin, password or pattern, which must be used when making purchases.

    More information?

    Payment information is encrypted with Secure Socket Layer (SSL) technology and stored on secure servers. The physical card details are never shown in the App or shared with the merchant when the payments are made in store.
  • Can I use Google Pay to make in-App purchases?

    You can!

    Can you see the Google Pay logo or ‘Buy with Google Pay’ at checkout?
    Select the payment option and confirm.
    Done.
  • Will I receive a digital receipt for my purchase and how will it appear?

    You will receive a receipt as a standard Android notification.

    Click on the notification to view your receipt which will display the merchant name, merchant logo and merchant contact information along with the basic transaction details (time, amount, etc).
  • What are my card limits when using Google Pay?

    Your virtual card will have the same daily limit as your physical card.

Apple Pay

  • Will I be able to view my Apple Pay transactions win my bank statement?

    It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.
  • Is Apple Pay secure?

    Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.

    Other features which help to keep your payments secure and safe include:

    iPhone and iPad
    Payments can only be authorized by using Touch ID (if it is enabled), or by entering the device passcode.

    Apple Watch
    Payments can only be authorized if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.

     
    Please note: you should never share your device passcode, or register more than one person’s fingerprint to Touch ID, while your card is registered to Apple Pay.
  • How do I change my default card?

    The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:

    iPhone
       - Open the Wallet app
       - Touch and hold your finger over the card you want to make the default card
       - Drag the card to the front of the cards in the Apple Pay section

    Apple Watch
       - Open the Watch app on your iPhone
       - Go to the My Watch tab
       - Tap Wallet & Apple Pay and then Default Card
       - Choose a new card

    iPad
       - Go to Settings
       - Tap Wallet & Apple Pay and then Default Card
       - Choose a new card
  • Is there a transaction limit when using Apple Pay in store?

    Apple Pay transaction under $100 can be made by holding the device up to the contactless reader and authorizing payment using Touch ID, the device passcode or double-clicking the side button on Apple Watch.

    For transaction over $100 you might be asked to enter your card PIN in to the retailer’s terminal.
  • How do I return an item purchased with Apple Pay in stores?

    You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.

    If the retailer is able to refund the device used to make the original purchase, you:

    - Select the card they want to be refunded within the Wallet app
    - Hold the device above or near the contactless reader and authorize the refund using Touch ID, Facial Recognition or the device passcode; or
    - Hold the Apple Watch display up to the contactless reader and double-click the side button to authorize the refund

    You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet App and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.

Samsung Pay

  • How do I make my People's Choice card my default card Samsung Pay?

    Make sure your People's Choice card is the first card displayed in Samsung Pay.

    You can check this by opening the app, swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.
  • How many People's Choice cards and loyalty cards can I register into Samsung Pay?

    You can register up to 10 payment cards into Samsung Pay.

    You can add as many loyalty cards as you want; however, only a total of 12 cards (loyalty, debit and credit cards) can be displayed by Samsung Pay when using Simple Pay. You may select which debit, credit and loyalty cards you would like to access with Simple Pay by selecting More, Settings, Edit Simple Pay.
  • Where can I use Samsung Pay?

    Near Field Communication (NFC) and Magnetic Secure Transaction (MST) support means that Samsung Pay is accepted virtually anywhere you can pay by tapping or swiping your credit card. MST technology means Samsung Pay can be used almost everywhere around the globe.
  • What should I do if my device is lost or stolen?

    You can use Samsung’s Find My Mobile service to remotely Lock or Wipe your device (also Locking or Wiping Samsung Pay and all the payment cards registered in it).

    If you just want to suspend your People's Choice Visa Debit or Credit card temporarily, login to Samsung Find My Mobile service and suspend your card.

    You can still use your People's Choice Visa debit or credit card.
  • What devices are compatible with Samsung Pay?

    Samsung Galaxy Note 5, Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S7, Galaxy S7 edge, Galaxy A5, Galaxy A7, Galaxy S8 and Galaxy S8+.

    All devices are compatible with MST point of sale terminals for swipe transactions except for Galaxy S6, Galaxy S6 edge and Gear S2.

    Please note: Iris Scanner is only compatible with Galaxy S8 and Galaxy S8+. and loyalty cards are not available on Samsung Pay on Gear.

Need some help? We've got you covered. 

Get in touch with us and we can help you get the answers you need.
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