Pay With Your Phone

Pay With Your Phone

 

 

FOR YOUR CONVENIENCE


It doesn’t matter whether you’re an iPhone user, swear by Samsung or pick a Pixel. With Apple Pay® and Mobile Pay for Android™, buying your everyday purchases is a breeze: just one quick tap and you’re done. Life can get pretty tricky sometimes. Paying shouldn’t be. With your MemberCard on your phone, you can keep shopping trips simple.

 

 

 

MORE SECURE THAN EVER


When you pay with your phone, transactions require your authentication through either Touch ID, Face ID or your passcode. Your card information is not stored on the device you use or shared with merchants when you pay but is encrypted and kept secure. Lose your device? Your information is more secure than if you’d lost your wallet. For added protection, there are also transaction limits and zero customer liability.

 

SETTING IT UP IS EASY

On iOS devices

1. Start with your Apple Wallet

2. Tap to add a card

3. Follow the instructions

On Android devices

1. Start with our mobile app

2. Tap Mobile Pay icon

3. Follow the instructions

 

 

A NEW WAY TO PAY


Paying with your phone will be faster and much simpler than trying to win the perennial debate of iPhones versus Androids. So let's put the arguments away and enjoy the convenience technology affords us.

You can pay with your phone on every terminal with Interac® Flash technology
(the same terminals where you can tap with your card).


Look for this icon:

 

 

Apple Pay FAQs

Getting Apple Pay
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Am I eligible for Apple Pay?

If you have a Valley First Interac Flash® MemberCard (debit card) and an eligible Apple device, then you can get Apple Pay! Apple Pay is available to retail members with online banking access.

Which iOS devices support Interac® Debit on Apple Pay?

Apple Pay is supported on the iPhone 6 or later, iPhone SE, Apple Watch Series 2 and any Apple Watch paired with iPhone 5 or later.

Are there other reasons why my phone would be excluded from Apple Pay?

iOS devices that have been jailbroken or otherwise tampered with are not eligible for use with Apple Pay. The device’s operating system must also be kept up to date.

Will my Android/Windows/Blackberry phone work with Apple Pay?

Apple Pay is currently only available on Apple devices.

How does Apple Pay work with my Valley First app?

Your Valley First mobile banking app makes adding a Valley First MemberCard to Apple Pay easy. You can either add your card directly to Apple Pay from your mobile banking app, or verify your identity using your mobile banking app for cards added using Apple Pay. Apple Pay delivers fast and easy payments, while maintaining the security that you would expect from the Valley First mobile banking app. The app also allows you to quickly verify your balance after making a purchase, helping you to manage your money!

Will I receive notification that my MemberCard has been added to Apple Pay?

Yes. If you add your card through the Apple Wallet you will be notified in your Valley First mobile banking app. If you add your card through the Valley First mobile banking app, you will receive a notification via email the following day that your card has been added.

Can I use my Apple Watch with Apple Pay?

Yes, you can add a card to your Apple Watch through the Apple Watch app. To pay, place the screen of your watch against the point-of-sale terminal and double-press the button underneath the Digital Crown.

Can I use my Valley First credit card with Apple Pay?

We know that some members prefer to pay with their Valley First credit card, and are working towards supporting this option in the future.

How many cards can I add to Apple Wallet on any device?

A maximum of eight cards can be added to Apple Wallet on each device, across all card types (Visa, Mastercard, Interac, etc.) and participating financial institutions (including banks).

Setting up Apple Pay
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How do I set up Apple Pay?

iPhone:
  1. Open the Wallet app
  2. Press the plus sign in the upper right corner
  3. Follow the onscreen instructions to add your Valley First card
Apple Watch:
  1. Open the Apple Watch app on your iPhone
  2. Tap “Wallet & Apple Pay” and select “Add a credit or debit card”
  3. Follow the onscreen instructions to add your Valley First card

Soon, Interac® Debit on Apple Pay will be supported for In-App purchases – allowing you to make Apple Pay purchases seamlessly from websites and retailer apps using the iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.

Which account should I use for Apple Pay?

If you are activating a MemberCard that you use today to make purchases using Interac® Debit, Apple Pay will use the same default account (CHQ/SVG) that you use for Interac Flash® purchases. You may select or change this account either online or by contacting your local branch.

How do I make my Valley First card my default card in Apple Pay?

The first card you add to Apple Pay will automatically be set as your default card. You can select Valley First as your default card in either of two ways:

  1. Open the Wallet app, press and hold your Valley First card and drag it to the front
  2. Open Settings and select Wallet & Apple Pay. Under Transaction Defaults, select Default Card, then choose your Valley First card.
What else do I need to do to set myself up?

You are required to verify your card to add it to Apple Pay. You will be presented options to verify your identity either via the Valley First mobile banking app, contact centre, or via one-time password delivered either via email or SMS.

Can I add a second account or card to Apple Pay?

Yes, you can have up to eight cards in Apple Pay on any individual device.

How many devices can I add my card to?

There is no maximum number of devices to which you can add your Valley First card for Apple Pay. However, you are responsible for verifying the validity of the Valley First card on that device, and for any charges made with the card to the account – unless there has been a fraud.

What are the Terms & Conditions of my Valley First card in Apple Pay?

Apple Pay is governed in accordance with the terms and conditions that you approved when adding a card to Apple Pay. These are available for view at any time within Apple Pay. Simply activate your MemberCard, press the small (i) button in the bottom right corner, and scroll down to find these Terms & Conditions. Terms & Conditions are also available on our website.

Is additional information being captured on me when I use Apple Pay?

Apple Pay does not collect any transaction information that can be tied back to you. If location services are turned on, the location of your device and the approximate date and time of the transaction may be sent anonymously to Apple. Apple doesn’t receive any information about the rewards transaction other than what’s displayed on the pass. View our full privacy policy on our website for more information.

Why am I being asked to call Valley First?

The Valley First card needs to be verified by Valley First to protect against fraud.

Paying with Apple Pay
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How do I use Apple Pay?

If you’re using an iPhone, hold it up to the payment terminal with your finger on the home button. You’ll see “Done” on the display, along with a subtle vibration and beep, letting you know your payment information was sent. The display will let you know when the payment is approved.

For Apple Watch, hold the watch screen to the payment terminal and double click the side button. A tap and a beep will confirm your payment.

Is there an easy way to pay with another card?

Yes, to pay with another card you can simply select that card or change your default card.

Is there a maximum dollar amount for a purchase?

No, there is no maximum value for Apple Pay transactions, since each purchase is verified within Apple Pay using Touch ID. You might not be able to use Apple Pay for purchases over $100 CAD, tap would not work above the standard limits set at the POS terminals.

Am I subject to a daily spending limit?

Valley First will continue to monitor your total spending limit across the payment services that access your account, including your MemberCard at retail locations, banking machines and now Apple Pay. Apple Pay purchases will be subject to this total limit, which helps protect you from unauthorized use or access to your account.

Is there a cost to using Apple Pay?

No. Apple Pay is included as part of your Valley First account. Each Apple Pay payment will count as an additional transaction, if you pay transaction fees for your account. Please contact Valley First anytime to discuss the right account package for you.

How do I know when a purchase is complete?

If you’re using an iPhone, a vibration will confirm your payment information has been sent. For an Apple Watch, a tap and a beep with confirm your payment. Apple Pay transactions will show a tick mark with a “Done” message whether the transaction is successful or declined.

Does Apple Pay work internationally?

Apple Pay using your MemberCard works wherever Interac Flash® is accepted. At this point, Interac Flash® is only accepted in Canada.

Where can I pay with Apple Pay?

You will know that a terminal is capable of reading NFC if it has the label to the right, which looks a bit like the Wifi symbol. To use your MemberCard on Apple Pay, the retailer’s device requires the correct software to accept Interac Flash®, and usually displays the Interac Flash® logo.

Will I have to sign a receipt or enter a PIN when paying with Apple Pay?

No, Apple Pay purchases are approved using Touch ID.

How do I view recent Apple Pay transactions?

To view your most recent Apple Pay transactions, open the Wallet app and select the card you want to view the transactions for. You may see all your transactions in your Valley First mobile banking app or through online banking.

Will I get a notification on my phone for a declined transaction?

Yes, you will get notifications for both declined and successful transactions. This may show as a tick mark / 'done' message on your phone, even if the purchase was declined. Check your account records for your current balance and transaction status.

Why does the transaction history on my iPhone not include purchases made with my Watch?

Your phone displays transactions performed only with that device, since the virtual card number on your watch is different than the card number on your phone. This security feature helps us to manage situations when a device (either the watch or the phone) is lost, stolen or upgraded.

Deactivating/Card Removal
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How do I stop using Apple Pay?

Having a card with Apple Pay does not block you from making purchases using the plastic card. You always have the option remove your card from the Wallet app.

How do I remove a card from Apple Pay?

To remove a card from Apple Pay on an iPhone:

  1. Open your Wallet App and select the card you would like to remove
  2. Touch the information button in the bottom right corner (underneath recent transactions)
  3. Select “Remove Card”

To remove a card from Apple Pay on an Apple Watch:

  1. Open the Apple Watch App and select My Watch
  2. Tap on Passbook & Apple Pay
  3. Select the card you would like to remove and tap “Remove Card”
Will removing my card deactivate my plastic card?

No, removing your card from Apple Pay will have no effect on your plastic card.

Troubleshooting with Apple Pay
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Will the case on my phone interfere with making purchases?

Apple Pay transactions use technology within the phone to communicate with the POS terminal and complete the purchase. The Apple Pay signal is a magnetic field created by a small antenna – and interacts with a similar antenna on the POS reader. Depending on the thickness and material of the phone’s case, there could be interference - resulting in inconsistent usage of Apple Pay.

By re-positioning the phone on the terminal, and waiting up to a few seconds for the devices to communicate with one another, you should be able to successfully complete a purchase. For some thicker phone cases, you may need to remove the phone’s case to complete a purchase.

The antenna (an inductor actually!) is powered by NFC technology, which is further explained in the section on technology below.

What should I do if Apple Pay is not working with the POS terminal?

Apple Pay should work at all retailers that accept Interac Flash®. Depending on the location of the signal from the phone and the case that you are using, you may need to either remove your case or re-position your phone on the POS terminal. And because POS terminals may be slightly different themselves, you may find that this experience varies a bit from retailer to retailer. If you are having difficulties, ask your retailer if they accept Interac® Debit on Apple Pay.

Do I need network access to make a purchase?

No. Your phone (powered and unlocked) has everything you need to complete a purchase at a retailer, whether or not you have network access at that time.

As with card purchases, you may not complete a purchase if the retailer’s POS terminal is off-line or unavailable.

You will need network access to receive transaction notifications from Apple.

How do I process a refund?

If you need to return a purchase made with Apple Pay you can receive a refund to your account. Refunds are initiated by the Merchant at the POS terminal following the same process as a purchase within Apple Pay.

The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, tap the (i) button on your card in the Wallet app to view the back of your card.

Successful refunds will be processed immediately to your account.

I’m having trouble with Apple Pay. Who do I contact?

If you are having any difficulty with Apple Pay, please contact your local branch and we will be happy to answer your questions.

Managing change - What if I...
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…Download a new version of the Valley First mobile banking app?

Apple Pay should not be affected by updating your Valley First app.

…Upgrade my iOS?

Apple Pay should not be affected by updating your iOS.

…Change my SIM?

Apple Pay should not be affected when you change your SIM.

…Change my lock screen password?

Apple Pay should not be affected when you change your lock screen password.

…Lose my iOS device?

You should contact Valley First immediately if you lose your mobile phone, so that we may de-activate your MemberCard within Apple Pay. You can also suspend/delete your card through iCloud.

…Lose my iOS device, and then find it?

Any suspended cards can be resumed but deleted cards cannot. You will be required to enter your card details again.

…Delete my card and then want to reactivate it?

You can add any cards you previously deleted as normal.

…Sell or upgrade my iOS device?

Before you sell your iOS device, you must delete your card from Apple Pay. You must also delete the Valley First mobile banking app from the phone. You may opt to contact Valley First to ensure that your card has been fully deleted from Apple Pay.

…Lend out my iOS device to someone?

We recommend you remove your card from Apple Pay before lending out your iOS device. Avoid lending your phone to anyone with whom you do not have a trusted relationship.

…Get a new debit or credit card?

If you get a new debit or credit card you must remove the previous card from Apple Pay and add the new card.

…Change the accounts linked to my card as CHQ/SVGS?

As long as you have not changed your default account for Interac Flash® purchases, changing the accounts linked to your card should have no impact on Apple Pay.

…Change my default account for Interac Flash® purchases?

If you change your default account for Interac Flash purchases, it will also become your default account for Apple Pay.

…Receive an error, “Card Not Added – Contact your issuer”, message while adding a card?

Your Valley First card is closed and therefore cannot be used.

Delete my card from an iPhone that is paired to an Apple Watch?

Your Valley First card will remain on the Apple Watch; they are treated as two separate tokens.

Unpair my Apple Watch?

Your Valley First card will be removed from the Apple Watch if it is unpaired.

Security & Technology
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How is Apple Pay secured?

Each Apple Pay transaction requires your authorization through Touch ID or a passcode. Your card number is not shared with the merchant or saved on your iOS device, instead using a secure token to complete the purchase.

What is NFC?

NFC stands for Near Field Communication, which is a contactless proximity technology. NFC uses the same technical standards as plastic cards (such as Interac Flash® or Mastercard PayPass), which allows you to tap your card to complete transactions. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

How do I know if a terminal accepts NFC?

You will know that a terminal is capable of reading NFC if it has the label to the right, which looks a bit like the Wifi symbol. For Interac® Debit on Apple Pay you will also need to ensure that the reader has the correct software to accept Interac Flash®.

How does the technology work?

When you register a card with Apple Pay, the card is assigned a digital identification number, which is encrypted and verified by Apple and Interac – and protects your payment information.

How am I protected against fraud?

Each Apple Pay transaction requires your authorization through Touch ID or a passcode. Your card number is not shared with the merchant or saved on your iOS device.

Apple Pay Terms of Use
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Introduction:

These Terms of Use govern your use of the Apple Pay service to make a payment with an eligible Credit Union debit card (“card”) on any Apple® device that supports the use of Apple Pay (“device”).

Please read these Terms of Use carefully. These Terms of Use are a legal agreement between you and us. If you add, activate or use your card for use of Apple Pay, it means that you accept and agree to these Terms of Use. In these Terms of Use, "you" and "your" means each Credit Union member who has been issued a Credit Union card. "We", "us", and "our" mean Credit Union.

Other Documents and Agreements:

These Terms of Use are in addition to, and supplement, all other agreements between Credit Union and Member regarding Credit Union’s products and services. If there is any conflict or inconsistency between these Terms of Use and the other agreements, then these Terms of Use will take priority and govern with respect to the Apple Pay service.

You understand that your use of Apple Pay will also be subject to agreements or terms of use with Apple Inc. and other third parties (such as your wireless carrier and the websites and services of other third parties integrated into Apple Pay).

Use of Cards in Apple Pay:

If you want to add a card to Apple Pay, you must follow the procedures adopted by Apple, any instructions provided by us, and any further procedures Apple or we adopt. You understand that we may not add a card to Apple Pay if we cannot verify the card, if your account is not in good standing, if we suspect that there may be fraud associated with your card or for any other reason we determine at our sole discretion. Apple Pay allows you to make purchases using your card wherever Apple Pay is accepted. Apple Pay may not be accepted at all places where your card is accepted.

Removal, Blocking, or Suspension of Card

We may not permit the addition of a card to Apple Pay, or we may remove, suspend or cancel your access to Apple Pay at any time, if we cannot verify the card, if we suspect that there may be fraud associated with the use of the card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.

You may suspend, delete or reactivate a card from Apple Pay by following Apple's procedures for suspension, deletion or reactivation. In certain circumstances, your card may be suspended or removed from Apple Pay by Apple.

Maximum Dollar Limit:

Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use Apple Pay to complete a transaction that exceeds these limits.

Applicable Fees:

We do not charge you any fees for adding a card to Apple Pay. Please consult your card agreement for any applicable fees or other charges associated with your card.

Your mobile service carrier or provider, Apple or other third parties may charge you service fees in connection with your use of your device or Apple Pay.

Security:

You must contact us immediately if your card is lost or stolen, if your device is lost or stolen, or if your card account is compromised. If you get a new device, you must delete all your card and other personal information from your prior device.

You are required to contact us immediately if there are errors or if you suspect fraud with your card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.

You agree to protect and keep confidential your Apple User ID, Apple passwords (including your fingerprint set up for Touch ID, if applicable). If you share these credentials with others, they may be able to access Apple Pay and make purchases with your card or obtain your personal information.

Before using Apple Pay you should ensure that only your credentials and fingerprints are registered on your device as these will then be considered authorized to make transactions related to your card. If the fingerprint or credentials of another person are used to unlock your device or make transactions, these transactions will be deemed to be authorized by you.

You are prohibited from using Apple Pay on a device that you know or have reason to believe has had its security or integrity compromised (e.g. where the device has been "rooted" or had its security mechanisms bypassed).

Apple is responsible for the security of information provided to Apple or stored in Apple Pay.

Liability for Loss:

You are solely responsible for all account transactions made using your card processed through Apple Pay. You are responsible for the completeness and accuracy of the account information you enter into Apple Pay. Only the individual member whose name is associated with the card should add the card to Apple Pay.

Privacy:

You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy, which is available on our website. We may share with or receive from Apple such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of Apple Pay and any Apple Pay features you may select (for example, your name and details such as card number and expiry date).

Apple may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and Apple may share information reasonably required for such purposes as fraud detection and prevention (for example, informing Apple if you notify us of a lost or stolen device).

Communications:

You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your card account. These communications will relate to your use of your card(s) in Apple Pay. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications, but doing so may result in your inability to continue to use your card(s) in Apple Pay.

No Warranty and Exclusion of Liability:

For the purpose of this Section, “Credit Union” means Credit Union and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms of Use.

Apple Pay service is provided by Apple, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to Apple Pay of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of Apple Pay or that Apple Pay will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which Apple Pay is available; (c) that Apple Pay will meet your requirements or that the operation of Apple Pay will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any device.

Credit Union will have no liability whatever in relation to Apple Pay, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of Apple Pay, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical card with you to use in the event you cannot make Apple Pay transactions.

Changes to the Terms of Use:

We may change these Terms of Use or the agreements associated with the use of your card with Apple Pay. You agree to any changes to these Terms of Use or agreement(s) associated with the use of your card or account by your continued use of your card with Apple Pay. If you do not accept the revised Terms of Use or agreement(s), you must delete your card from Apple Pay.

Contacting Us:

You may contact us about anything concerning your card or these Terms of Use by calling the phone number found on our website.

If you have any questions or complaints about, or disputes with, Apple Pay, you should contact Apple.

Mobile Pay for Android FAQs

Getting Mobile Pay
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Am I eligible for Mobile Pay?

If you have a Valley First MemberCard, an eligible Android phone and the latest version of the Valley First mobile banking app, then you can get Mobile Pay! Mobile Pay is available to retail members with online banking access.

Does my phone support Mobile Pay?

Android phones with OS 4.4 and above come equipped with NFC technology, making them eligible for Mobile Pay. Major Android handsets such as Samsung Galaxy S4 / S5 / S6 / Note / Edge, Google Nexus 5 / 6 / 7 / 9, Motorola Moto / RAZR, LG G2/G3/G4 and HTC One are just a few of the phones that are eligible for Mobile Pay. Only Phones that do not support Android are not eligible for Mobile Pay.

You will need to have the latest version of the Valley First mobile banking app active on your phone. If you download the banking app to an eligible phone, Mobile Pay will appear as a menu option.

Are there other reasons why my phone would be excluded from Mobile Pay?

Phones that have been rooted or otherwise tampered with are also not eligible for Mobile Pay. The phone must support android.hardware.nfc.hce (which may not be the case for a small number of Android 4.4 phones).

Will my tablet work with Mobile Pay?

Tablets that are NFC capable, and running Android OS 4.4 and above should work for Mobile Pay. Your App will detect if your device is capable of supporting Mobile Pay.

Will my Apple / iPhone work with Mobile Pay?

As of today, Apple iPhone does not support Mobile Pay.

Does my Blackberry / Windows phone work with Mobile Pay?

As of today, only Android phones support Mobile Pay. Phones running either Blackberry or Windows operating systems do not support Mobile Pay. The Blackberry PRIV - Blackberry’s only phone which runs on the Android OS - does work for Mobile Pay.

How does Mobile Pay fit with my Mobile Banking App?

Mobile Pay is built right into the same App that you use today to see your balances, pay bills and transfer funds. Mobile Pay delivers fast and easy payments, while maintaining the security that you would expect from your Mobile Banking App. The App also allows you to quickly verify your balance after making a purchase, helping you to manage your money!

Can I enable my Watch / Wearable with Mobile Pay?

At this point, Valley First has developed Mobile Pay to be compatible with a broad range of Android handsets. Going forward, we are actively exploring other options – including wearables and watches - that make payment that much more convenient for Members.

Can I use my Valley First credit card with Mobile Pay?

Mobile Pay is being launched first with the Valley First member debit card, allowing you to make everyday purchases directly from your Valley First account. We know that some members prefer to pay with credit card and are working towards supporting this option in the future.

Setting up Mobile Pay
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How do I set up Mobile Pay?

If you are using an eligible phone, Mobile Pay will appear as a menu option within your Mobile Banking App. Select that option to complete the quick set up process.

Which account should I use for Mobile Pay?

If you are activating a MemberCard that you use today to make purchases using Interac Flash, Mobile Pay will use the same default account (CHQ/SVG) that you use for Interac Flash purchases.

Why (and how) do I select a Passcode?

When activating Mobile Pay, you will be asked to select a Passcode. This (4-12) digit numeric code will be used to complete larger purchases (over $100) and from time to time to verify your identity and protect your account.

For security reasons, this Passcode should be different from your card PIN and your Mobile Banking App password. You should also avoid choosing a Passcode that is easily guessed, such as a birthday or a simple sequence of numbers.

What else do I need to do to set myself up?

There may be an additional security question asked during the set up process, as another measure to verify your identity. These security questions are the same ones that you will have set up for Internet Banking and the Mobile Banking App.

How do I use Mobile Pay if I have other payment apps installed on my phone?

To use Mobile Pay, you must set it as your default payment method via your device settings.

Is Valley First collecting any additional information on me?

Valley First is only collecting additional data in cases where it may help us to provide better customer support, such as the profile of your handset and how to contact you. All information will be collected in accordance with the terms and conditions of your account agreement with Valley First and the MemberCard / Personal Information Number / Mobile Payment Service Agreement.

Paying with Mobile Pay
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How do I use Mobile Pay?

After agreeing to buy goods or services, the retailer’s POS terminal will prompt for payment, as it does today for card transactions. Instead of inserting or tapping your card, simply open Mobile Pay to the “Pay Now” screen, and hold your phone in close proximity to the reader to complete your purchase. Of course your phone will need to be powered and unlocked to use Mobile Pay!

Are there faster ways to pay? What is “Always On”?

Valley First has enabled several features that make Mobile Pay easier to use - without compromising security. Always On allows you to hold your powered and unlocked phone near the POS terminal - and automatically opens Mobile Pay within just a second or two.

Within your “Settings” menu, you have the option to turn off or on the Always On feature. You can also enable Mobile Pay for “Always On” from within the Tap & Pay settings menu in Android OS – simply set your (Mobile Banking App/Mobile Pay) as the default for Tap & Pay.

Valley First has also enabled a “Pay Now” shortcut from your phone’s home screen for your convenience, which takes you directly to Mobile Pay to complete a purchase.

How much time do I have to complete a purchase?

Once Mobile Pay is open, you have 30 seconds to hold your phone near the reader and complete the purchase. You will see an option to add more time or restart the timer on the “Pay Now” screen.

When will I enter a Passcode?

For purchases over $100, you will be prompted to enter the Passcode that you selected when you set up your App. From time to time, you may also be prompted for a Passcode for additional security. For even more security, you may choose to require a Passcode for all purchases – this option is available in your Settings.

What is Pay with Passcode ($100+)?

If you know that your purchase will be over the $100 limit, you may enter your Passcode in advance of the purchase. This eliminates the need to use the phone twice on the terminal to complete a larger purchase, and re-sets the cumulative dollar limit before you will need to enter your passcode again. Pay with Passcode verifies your identity and keeps you moving quickly through the line.

Is there a maximum dollar amount for a purchase?

There is no maximum dollar amount for Mobile Pay purchases. For purchases over $100 - and from time to time - you will be required to enter a Passcode. Mobile Pay purchases are subject to the same spending limits that apply to your Valley First account.

How do I change or reset my Passcode? What if I forget my Passcode?

You will get five attempts to enter your passcode. The last three tries will be counted down after which you will be required to change or reset your passcode.

You can change or reset your Passcode from the Settings within the Mobile Banking App by entering your old Passcode. You can reset your passcode in the settings menu: under Mobile Pay, select ‘passcode’ and then ‘forgot passcode’. You will then be asked to provide your PAC (i.e. the password you use to log in to the mobile app) and will then be able to set a new passcode. You should choose a (X) digit, numeric Passcode that is easy to remember, but avoid numbers that are easy to guess such as 1234 or birthdays.

What happens when Passcode Entry does not work at a merchant location?

If you remember your Passcode, but have been unable to complete a larger value purchase (over $100) at a merchant location, report this merchant location to Valley First so that we can work with them to get their systems updated.

Am I subject to a daily spending limit?

Valley First will continue to monitor your total spending limit across the services which access your account, including your POS, ATM and now Mobile Pay. This monitoring helps protect you from unauthorized use or access to your account. Mobile Pay purchases will be subject to this limit.

Is there a cost to using Mobile Pay?

No. Mobile Pay is included with your Mobile Banking App as part of your Valley First account. Each Mobile Pay payment will count as an additional transaction, if you pay transaction fees for your account. Please contact your branch any time to discuss the right account package for you.

How do I know when a purchase is complete?

The phone will confirm for you that a purchase request has been successfully made. The POS terminal will communicate whether the transaction has been successfully approved, as it does today.

Troubleshooting Mobile Pay
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Will the case on my phone interfere with making purchases?

Mobile Pay transactions use a signal from within the phone to interact with the POS terminal and complete the purchase. The Mobile Pay signal is a magnetic field created by a small antenna – and interacts with a similar antenna on the POS reader. Depending on the thickness and material of the phone’s case, there could be interference - resulting in inconsistent usage.

By re-positioning the phone on the terminal, and waiting up to a few seconds for the devices to communicate with one another, you should be able to successfully complete a purchase. For some thicker phone cases, you may need to remove the phone’s case to complete a purchase.

The antenna (an inductor actually!) is powered by NFC technology, which is further explained in the section on technology below.

What should I do if the phone is not working with the POS terminal?

Depending on the location of the signal from the phone and the case that you are using, you may need to either remove your case or re-position your phone on the POS terminal. And because POS terminals may be slightly different themselves, you may find that this experience varies a bit from retailer to retailer.

What if my phone tells me that a purchase of 1 cent has been requested unexpectedly?

In some rare circumstances, we have seen information passed from the merchant terminal to the phone suggesting that a 1 cent transaction had been initiated. In these cases that we have seen, the transactions have been processed correctly and Member accounts have been updated correctly. Please check your on-line account details regularly and report any discrepancies immediately.

Do I need network access to make a purchase?

No. Your phone (powered and unlocked) together with your Mobile Banking App has everything you need to complete a purchase at a retailer, whether or not you have network access at that time.

As with card purchases, you may not complete a purchase if the retailer’s POS terminal is off-line.

Your Mobile Banking App will occasionally require connection to the network to stay current. You may receive an occasional message from the App to connect to the Internet to get updated.

How do I get a Refund?

Refunds are initiated by the Merchant at the POS terminal, following the same rules as refunds do today. A Refund follows the same process as a purchase within Mobile Pay. You will be informed at the end of your transaction within the App whether your refund was successfully completed. Refunds will be processed immediately to your account.

Managing Change - What if I...
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…Download a new version of the Valley First Mobile Banking App?

You should not need to reactivate Mobile Pay. Mobile Pay should continue to be active within the new version of the App.

…Upgrade my Android OS?

You should not need to reactivate Mobile Pay. Mobile Pay should continue to be active within the App.

…Change my SIM?

You should not need to reactivate Mobile Pay. Mobile Pay should continue to be active within the App.

…Change my lock screen password?

In the vast majority of cases, this should have no impact on Mobile Pay. In some rare cases, changing the lock screen password may require re-activation of Mobile Pay.

…Lose my mobile phone?

You should contact your branch immediately if you lose your mobile phone.

…Sell or upgrade my mobile phone?

Before you sell your mobile phone, you should delete the (Mobile Banking App) from the phone. You may also wish to contact Valley First to ensure that Mobile Pay has been fully deleted from your phone. You will have to re-activate Mobile Pay on your new phone, using the same process you did the first time.

…Lend out my mobile phone to someone?

Before you lend your mobile phone at any time, you may set your App to “Pay with Passcode for all Purchases”. Selecting a Passcode that avoids numbers that are easy to guess such as 1234 or birthdays) will ensure that your account remains protected. Avoid lending your phone to anyone with whom you do not have a trusted relationship.

…Change the accounts linked to my card as CHQ/SVGS?

As long as you have not changed your default account for Interac Flash purchases, changing the accounts linked to your card should have no impact on Mobile Pay.

…Change my default account for Interac Flash purchases?

If you change your default account for Interac Flash purchases, it will also become your default account for Mobile Pay.

……Lose or have my MemberCard stolen?

If your MemberCard is lost or stolen:

  1. Contact your branch to report your card lost/stolen and to have a new card issued;
  2. Re-install the mobile banking app to unlink your lost/stolen MemberCard and link your new MemberCard.

Security & Technology
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How is Mobile Pay secured?

Mobile Pay builds on the security of Interac Flash contactless chip debit technology, using state-of-the-art encryption and tokenization. Encryption protocols are equivalent to those used with Chip & PIN cards. And tokenization ensures that your card number is never stored within your phone, leaving it shielded in the event of an attack.

Mobile Pay also offers strong consumer protections such as transaction limits and Passcode verification. A Passcode is required for all purchases over $100, and from time to time to validate your identity. For even more security, you may choose to require a Passcode for all purchases – this option is available in your (Mobile Banking App) Settings. Of course, avoid selecting a Passcode with numbers that are easy to guess such as 1234 or birthdays.

With an exceptionally secure debit network, Interac fraud is at a global low. And Mobile Pay is backed by the Interac Zero Liability Policy, meaning a Member will never be liable if fraudulent usage of Interac Flash can be established.

What is NFC?

NFC stands for Near Field Communication, which is a contactless proximity technology. NFC uses the same standards as plastic cards (such as Interac Flash or MasterCard PayPass), which allow you to tap your card to complete transactions. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

How do I know if a terminal accepts NFC?

You will know that a terminal is capable of reading NFC if it has the label to the right, which looks a bit like the Wifi symbol. For Mobile Pay, you will also need to ensure that the reader has the correct software to accept Interac Flash.

Can Mobile Pay be “skimmed” to create fraudulent transactions?

Skimming is not possible with Mobile Pay. Mobile Pay purchases are completed using transaction-specific, secure tokens, which consists of a unique, randomly generated sequence of numbers. And like Interac Flash transactions, the information passed through NFC is encrypted.

How does the technology work?

Payments are delivered by Interac’s new mobile enablement platform. Interac has implemented state-of-the-art technology, using cloud-based payments (HCE protocols) and tokenization.

HCE protocols and tokenization allow payments to be delivered using the strongest security, using some of the same protocols as EMV chip cards (chip & PIN). HCE does not rely on the hardware-based SIM like many earlier bank trials, making it easier for our members to adopt and use Mobile Pay.

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Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. All other trademarks are the property of their respective owner(s).

Android is a trademark of Google Inc. registered in the United States and other countries. Google Inc. is not a sponsor or participant of Mobile Banking for Valley First.