Apple Pay

Stop searching for your wallet — just pay with your smartphone. It's easy. Simply add your Visa Debit Card to your Apple Pay Wallet and you're ready to go!

Simple, Secure and Easy to Use

Stay on the cutting edge of technology by linking your new Bank of Oklahoma Visa® Debit Card with Apple Pay®. Apple Pay is simple to use and works seamlessly with your account. In stores, you can use your Apple mobile device to pay quickly and safely.

Change the Way You Pay

Apple Pay® changes how you pay with breakthrough contactless payment technology. At the touch of a button, you can pay for purchases directly out of your Bank of Oklahoma checking account.

Seamlessly Connect

Apple Pay® is simple to use and works seamlessly with your Bank of Oklahoma Visa® Debit Card.

Extra Security Features

Because your card details are never shared when you use Apple Pay® — in fact, they aren’t stored on your device at all — using Apple Pay on your eligible iPhone®, Apple Watch®, iPad® or Mac® is safe and private. Plus, you still get all the benefits and securities your Bank of Oklahoma Visa® Debit Card provides.

Add Apple Pay

Adding your debit card to Apple Pay® is easy.

  • On your iPhone, open Wallet and use the camera to instantly capture your card information. Or, simply enter it manually. If your debit card is already on file with iTunes, you'll be asked to add it again.
  • On your Apple Watch, simply open the Apple Watch app on your paired iPhone and tap My Watch. Scroll down to Wallet & Apple Pay. Then, use the camera to instantly capture your card information or enter it manually.
  • On your iPad Air or iPad Mini, go to Settings > Wallet & Apple Pay and then tap Add Credit or Debit Card. Then, use the camera to instantly capture your card information or enter it manually.
  • On your MacBook Pro with Touch ID, go to System Preferences > Wallet & Apple Pay.

For detailed setup instructions, visit

Pay with Apple Pay

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (800) 234-6181.

What is Apple Pay?

Apple Pay is a mobile payment system that allows users to complete transactions using their compatible Apple device.

What cards are able to be added to Apple Pay?

All personal and business debit and credit cards are eligible to be added to Apple Pay.

How do I add my debit card to Apple Pay?

To add a credit or debit card on iPhone, open Wallet and tap in the upper-right corner. If your credit or debit card is on file with iTunes, you’ll be asked to add it. You may also choose to add a different card using the camera or by entering the card information manually. The bank will automatically try to complete the verification process, but on some occasions you may need to contact our ExpressBank to complete the process. You can also add your debit card to Apple Pay using our secure message within Online or Mobile Banking. Just select “Apple Pay” as the subject and provide details for the card you want to provision.

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

To add a BOKF credit or debit card on an Apple Watch, open the Apple Watch app on iPhone and tap Wallet & Apple Pay, then tap Add Credit or Debit Card.

Is Apple Pay secure?

Your security is our highest priority. Instead of using your actual credit and debit card numbers when you add your card to Passbook, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment. All transactions are monitored by our fraud systems and are protected by Visa’s Zero Liability*.

What do I do if I lose my Apple device?

You should contact our ExpressBank at (800) 234-6181 if your device is lost or stolen. We can assist you in removing the card from your device which will render the device useless for Apple Pay and allow you to continue using your traditional debit card. You may also visit 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.

What will Apple Pay transactions look like on my statement or online banking history?

Apple Pay transactions will appear as regular debit card transactions

Where can I use Apple Pay?

You can use Apple Pay with your iPhone, and Apple Watch to pay in stores that accept contactless payments.

On iPhone, iPad Air, and iPad mini, you can use Apple Pay to pay within apps when Buy with Apple Pay or Apple Pay button is available as a payment method.

For a full list of merchants, visit

What Apple devices are compatible with Apple Pay?
  • iPhone (Apple Pay in stores and within apps)
  • iPad Air or iPad mini (Apple Pay within apps)
  • Apple Watch paired with iPhone (Apple Pay in stores)
  • Mac (On the web in Safari)

See a complete list of compatible devices at

How do I return an item that was bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number, go to Passbook, tap the card, and tap the Information icon. For the Apple Watch, open the Apple Watch app on iPhone, tap My Watch > Passbook & Apple Pay. Tap the card to select it and see the Device Account Number. If the cashier needs card details to process the return, you can follow the same steps for making a payment:

  • On the device that was used to make the original payment, select the card that should receive the refund.
  • Hold the device near the reader and authorize the return with Touch ID or passcode.
  • On the Apple Watch, double-click the side button and hold the face of your Apple Watch a few inches from the contactless reader. Depending on the return and refund policies of the store, it may take several days for the return transaction to appear on your credit or debit card statement.
Can I add more than one card to Apple Pay?

Yes, you can add multiple cards to Apple Pay.

How do I remove a card from Apple Pay?

Select the card you would like to remove in Wallet, then tap the information icon at the bottom. Scroll to the bottom and select “Remove Card”.

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

The card image might not be an exact match. Keep in mind, this does not affect how your cards work with Apple Pay.

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Related Products and Services

If you like the idea of using Apple Pay with Bank of Oklahoma, learn about some of the other ways you can use Bank of Oklahoma services on your mobile device.