What is Apple Pay and how does it work?

Apple Pay is a fast, secure way to pay with your Zopa cards in-store, in apps and online. You can also use it on public transport without needing to unlock your device by setting it as your Express Travel Card. 

It’s completely free to use, and doesn’t store or share your card details. Instead, it uses a unique Device Account Number and a one-time passcode for every transaction, this helps keep your personal information protected.  

You get notifications for every payment (whether it’s successful or declined) so you’re always in the know. You can also view your transactions in the Wallet app.   

Unlike contactless payments, there isn’t a £100 spending cap for Apple Pay. However, the transaction and credit limits that apply to your Zopa bank account or credit card will also apply to Apple Pay.  

Once you’ve set up Apple Pay, here’s how to stay in control: 

• Make Zopa your default card 
  Open the Wallet app and drag your Zopa card to the front of your wallet. 

• View recent payments
  Open the Wallet app on your iPhone or Apple Watch to see your Apple Pay transactions. 

• Remove or re-add your card 
  If you delete your Zopa card by mistake, just open the Wallet app, tap the +, and add it again.