get apple pay

Your PENZIOX Card & Apple Pay will change the way you pay

With Apple Pay, you can easily make purchases at participating merchants with virtual cards on your iPhone 6* and iPhone 6 Plus*.

While Apple Pay offers an exciting way to make purchases on-the-go, you still get all the rewards, benefits and protections your card provides.


Pay with a single touch

Use Apple Pay and your favorite PENZIOX cards to pay the easy, secure and private way. Use your PENZIOX card at hundreds of thousands of stores and participating apps with Apple Pay.

See a complete list of Apple pay merchants at


Secure way to pay

Rest easy. Apple Pay transactions are authorized with TouchIDTM thumbprint security or your passcode and transactions never use your card number.


It’s a Snap to Get Started


step 1



Make Sure your iPhone 6*, iPhone 6 Plus*, iPad Air 2*, or iPad mini 3* has the latest version of iOS.


step 2


Step 2.

Add your Penfed card to Apple Pay in Passbook by taking a picture of your card or manually type in your card information…it’s easy!


step 3



Pay securely with a single touch at hundreds of thousands of stores and participating apps.


Apple Pay Enrollment Instructions

Enrolling is a snap! Let’s get started…

step 1 - go to phone settings

STEP 1:  Go to settings. Select Passbook & Apple Pay.

step 2 - add card

STEP 2:  Select Add a Credit or Debit Card.

step 3 - almost done

STEP3:   Almost at the finish line. Take a picture of your card or manually enter the card information.ǂ

step 4 - check verification

STEP 4:  Complete the verification process (if prompted)*. And . . . Done! Your PENZIOX card is now enrolled! .ǂ


ǂ - If you hold one of our vertical designed credit cards, you must manually enter your card number.

* - If your iTunes account address on file does not match the address on file for your credit card, you may be prompted to call us for verification as a final step before enrollment.


Apple Pay FAQ


1. What is Apple Pay™?

A: Apple Pay will change how you pay with breakthrough contactless payment technology and unique security features built right into your Apple™ device allowing you to make purchases with your iPhone® 6 or iPhone 6 Plus® by holding your phone near a contactless reader.

2. What do I need to get Apple Pay?

3. Is Apple Pay Free?

4. Which PENZIOX card will I be able to use with Apple Pay?

5. How do I change my default card to my PENZIOX card?

6. Can I use multiple PENZIOX cards with Apple Pay?

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

8. Are my payments safe with Apple Pay?

9. Is my privacy and personal information protected?

10. Why am I being asked to call PENZIOX to verify my card?

11. Where can I use Apple Pay?

12. How do I get a refund for something I purchased with Apple Pay?

13. What if my PENZIOX card is lost or stolen?

14. What happens when my card expires? When I receive my renewal card will I have to update Apple Pay with the new expiration date?

15. Can I opt out of Apple Pay at any time?

16. Will I still earn rewards and benefits from my card when I pay using Apple Pay?

17. Can I use other cards besides my default card to make purchases?

18. I’m having a problem with my device’s software or hardware. What should I do?

19. If I sell or give my Apple device to someone else, what will happen to the information on my device?