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Apple Pay at The Bank of Missouri

Now enjoy the convenience and security of Apple Pay® mobile payments solution with your Bank of Missouri debit card. You can use your iPhone® 6 to pay for purchases at more than 220,000 participating stores. Touch ID™ makes the transaction easy and secure.

Step 1. Load card

Tap the + sign in Wallet. Take a picture of your card (preferred method) or enter the information manually.

Step 2. Verify card

Enter additional card details. If phone verification is required, you will be prompted to call us at 1-888-547-6541.

Step 3. Make it easy

Make this card your default. If you have more than one card in Apple Pay, simply hold your finger on your Bank of Missouri debit card image and bring it to the front.

Frequently Asked Questions

Is Apple Pay secure?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone® or iPad® requires you to authenticate with Touch ID™ or your passcode. Your Apple Watch® is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. 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.

Where can I make payments with Apple Pay?

On iPhone and Apple Watch, you can use Apple Pay in stores that accept contactless payments. Look for one of these symbols at checkout or in the Maps app:
On iPhone and iPad, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay button or Apple Pay as a payment method.

What do I need to use Apple Pay?

  • iPhone 6 or iPhone 6 Plus and later (for use in stores and within apps)
  • iPad Pro, iPad Air 2, or iPad mini 3 and later (for use within apps only)
  • Apple Watch paired with iPhone 5 or later (for use in stores only) with passcode on your Apple Watch and Wrist Detection turned on
  • iOS 8.1 or later
  • Touch ID or passcode on your iOS device
  • An Apple ID signed in to iCloud
  • Supported card from a participating bank or store

How do I set up Apple Pay on my iPhone or iPad?

Open the Wallet and tap the "plus" icon. If your bank debit card is already stored in iTunes, you will be prompted to add it. If not, you may use the iSight® camera to take a picture of the card (preferred method) or enter the card information manually. Your card may be verified immediately or you may be prompted to call our Information Center to complete the verification process.

How do I set up Apple Pay on my Apple Watch?

Open the Watch app on iPhone and tap "Wallet & Apple Pay". If you already added a card to your paired iPhone, you can add it to your Apple Watch by tapping "Add" next to the card, and then enter your card security code. Or you can tap "Add Credit or Debit Card."

How do I set my Bank of Missouri debit card as my default to pay?

The first card you add to Wallet is your default card. To change your default card, use the steps below.

On your iPhone:

  • Open Wallet.
  • Touch and hold your finger on the card that you want to make the default.
  • Drag the card to the front of the cards in the Apple Pay section.

On your iPad:

  • Go to Settings > Wallet & Apple Pay.
  • Tap Default Card.
  • Choose a new card.

If given the choice, should I choose "credit" or "debit" on the terminal?

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.

Will I have to sign a receipt when paying with Apple Pay?

Depending on the store and the transaction amount, you might have to sign a receipt as you normally do with a traditional credit or debit card.

Does Wallet show my recent transactions?

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last 10 transactions for your cards. Just tap the information icon. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your actual card.

Why is my transaction amount sometimes reported differently in Wallet?

Sometimes the initial authorization amounts to Wallet might be different from the final transaction amount, especially from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to your bank statement for final transaction details.

How do I return an item that I 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 for your iPhone or iPad, go to Wallet, tap the card, and tap the info icon. For your Apple Watch, open the Watch app on iPhone, tap My Watch > Wallet & Apple Pay. Tap your card to select it and see the Device Account Number. Apple Pay activity is also included on your bank statements.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment:

  • On the device that you used to make the original payment, select the card that you want to be refunded.
  • On your iPhone, hold the device near the reader and authorize the return with Touch ID or passcode. On your Apple Watch, double-click the side button and hold the face of your Apple Watch a few centimeters from the contactless reader.
Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement.

What should I do if my iPhone, iPad, or Apple Watch is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, or Apple Watch.

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 may also contact us at 1-888-547-6541.


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