Apple Pay

Pay With a Single Touch

Use Apple Pay™ and your Liberty FCU debit and credit cards to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps. See a complete list of Apple Pay merchants here.

A Secure Way to Pay

Apple Pay transactions are authorized with TouchID™ thumbprint security or your passcode, and transactions never use your card number.

It’s Easy to Get Started


Make sure your iPhone® or iPad® has the latest version of iOS.


Add your Liberty FCU debit and credit cards to Apple Pay. Follow the on-screen directions.


Use it within apps or hold your device near a contactless reader.

Frequently Asked Questions

What do I need to use Apple Pay?

iPhone 6, iPhone 6 Plus, or newer
iPad Air 2 or iPad mini 3 or newer
iOS 8.1 or later
Touch ID or passcode on your device
Liberty FCU credit or debit card

How do I add my physical credit or debit card to Apple Pay?

To add a credit or debit card on your iPhone, open Wallet and tap + in the upper-right corner. (Note: If you do not see the + symbol in the upper-right corner, swipe down and it should appear.)
If you have a Liberty FCU credit or debit card on file with iTunes, you’ll be asked to add it. You can also choose to add a different card using your iPhone’s camera or by entering your card information manually.

To add a credit or debit card on iPad, go to Settings > Wallet & Apple Pay, tap “Add Credit or Debit Card” and then follow the same steps for iPhone above.

Keep in mind, the first card you store in wallet is your default payment card, but you can always change that in Settings.

What should I do if I have an issue adding a debit or credit card to Apple Pay?

You can contact Liberty FCU at (812) 477-9271 or 1-800-800-9271, and we would be happy to assist you.


Is Apple Pay secure?

Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with your Touch ID or your passcode. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

How does Apple Pay keep my information private?

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping address you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as appropriate purchase amount. This information can’t be tied back to you and never includes what you are buying. Apps that use Apple Pay must have a privacy policy that you can view which governs the use of your data.

Where can I use Apple Pay?

You can use Apple Pay with your iPhone to pay in stores that accept contactless payments. Look for one of these symbols at checkout:


Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments including Apple Pay.

On iPhone and iPad, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay or Apple Pay button as a payment method. Look for these buttons in apps:


Click here to see a full, up-to-date list of stores accepting Apple Pay.

When I’m paying in store using a Liberty FCU debit card in Apple Pay, should I choose Credit or Debit on the terminal?

If you see this choice, we recommend that you choose Credit to get the most consistent Apple Pay experience. Choosing Debit might not always work successfully with some older merchant payment terminals and backend systems.

When paying with my Platinum Rewards debit card or Platinum Rewards credit card, will I continue to receive ScoreCard Rewards points?

Yes. When you pay using Apple Pay, you’ll continue to receive rewards, benefits, and security that your credit or debit card provides.

Will the card image in Apple Pay match my physical card?

No. The card image won’t be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

What should I do if my iPhone/iPad is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. These features help prevent other people from using Apple Pay on your iPhone or iPad.
If your iPhone or iPad is lost or stolen, you can go to or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call us at (812) 477-9271 or (800) 800-9271 to suspend or remove your cards from Apple Pay.

Can I continue to use my physical credit or debit card(s) if I suspend or remove my cards in Wallet?

When you suspend or remove your cards in Wallet, your device-specific Device Account Number is suspended or removed. You can continue to use your physical credit or debit card(s).

For additional information, please view our Apple Pay Terms and Conditions.