Ken Hinrichs

Jan 13 2016

Apple Pay Is Here!

Hills Bank has Apple Pay!

If you have an iPhone® 6,  Apple Watch, or iPad (Pro, Air 2, mini 4, mini 3) and a Hills Bank account, you’ll be able to use Apple Pay! Payments with Apple Pay can be made at over a million retailers—and counting! Just look for the Apple Pay logo or contactless symbol when you checkout.

How Apple Pay Works

Apple Pay is built on tokenization that replaces your actual card number with a unique code or “token” that is used for a card transaction at a physical store or online merchant. This token is what is stored in Apple Pay, not your credit or debit card number. For each transaction, in addition to the “token” that’s used for the card transaction, unique secure cryptographic data is sent, verified, and changed with each transaction. You can even reset this token on your phone without the need to replace your original card number. This means the retailer or merchant processor never has direct access to your card details.

To pay at participating retailers, you simply hold your phone near the merchant terminal and once prompted, hold your finger on the Touch ID. Your phone will automatically wake up when it gets in range of the merchant terminal and will prompt you to finish the payment process. It’s that simple!

Getting Started with Apple Pay

Use your iPhone® 6 and/or iPad camera to upload a digital version of your credit and/or debit card to Apple Wallet. If you have iTunes, you can use the card that’s on your account by entering the card security code. To add more cards, tap the plus sign and follow the prompts. The first card you add will be your default, but you can change that within the settings.

If your phone is ever lost or stolen, you can use Apple’s Find My iPhone feature to put your phone into lost mode which will lock or erase your device. Plus, your Hills Bank cards are protected with Visa® Zero Liability so you will not be held responsible for unauthorized charges. For more information, check out Apple’s website about Apple Pay.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Ken Hinrichs

About Ken Hinrichs

Ken Hinrichs is Senior Vice President, Director of Electronic Banking at Hills Bank’s Operation Center in Hills, IA. He has been at Hills Bank since 1999 working with payment and delivery channels. Ken can be reached at

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