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. Your phone will need to be powered and unlocked to use Mobile Pay.
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.
Are there faster ways to pay? What is “Always On”?
Island Savings 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 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.
Island Savings 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 apasscode for all purchases — this option is available in your app 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 Island Savings 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 passcode that is easy to remember, but avoid series 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 Island Savings so that we can work with them to get their systems updated.
Am I subject to a daily spending limit?
Island Savings 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 Island Savings 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 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.
Is Island Savings collecting any additional information on me?
Island Savings 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 Island Savings and the MemberCard / Personal Information Number / Mobile Payment Service Agreement.