Apple Pay®


The easy way to pay in store or in app

Apple Pay® is a new service that allows you to use your BBVA debit or credit card without reaching for your wallet. Whether you are purchasing in stores, online, or in an app, Apple Pay provides you a simple, secure, and private way to pay.

Now BBVA customers who have eligible debit or credit cards can add those cards to Apple Pay and use their iPhone 6® or newer iPhone to pay quickly without physically swiping their card. 

get started

How does it work?

Apple Pay uses near-field communication (NFC) contactless technology to safely exchange data between you and the business' point-of-sale (POS) system. Simply hold your iPhone 6 (or newer) near the contactless reader with your finger on Touch ID®.

If the business accepts contactless payments today, you can start using Apple Pay right away. Simply look for one of these symbols when you're ready to pay.

How do I use it?

  1. Open the Wallet and follow the directions to add your BBVA card to Apple Pay.
  2. When purchasing in-store, place your iPhone next to the merchant's card reader and authorize your purchase by placing your finger on Touch ID.
  3. When purchasing online or in-app, simply select Apple Pay and place you finger on Touch ID.

Is Apple Pay secure?

Apple Pay through BBVA is a convenient and safe way to make purchases. When you make payments with Apple Pay:

  • The full card number is not stored on the device or shown to the merchant
  • You have Zero Liability protection1 for promptly reported unauthorized Visa transactions
  • You are covered with 24/7 risk and fraud detection systems
  • You can get account activity alerts and view your transactions on your mobile device


Frequently asked questions

What is Apple Pay?

Apple Pay offers an easy, secure, and private way to pay for purchases using Touch ID on iPhone 6 (or newer iPhone), iPad Air 2, and iPad mini 3.

To pay with Apple Pay at a retailer that has a contactless reader, hold your iPhone 6 (or newer iPhone) within an inch of the contactless reader with your finger held on Touch ID without pressing it. A subtle vibration and beep lets you know the purchase was successful.

You can also use Apple Pay on your iPhone 6 (or newer iPhone), iPad Air 2 and iPad Mini 3 to make purchases within participating mobile apps. Look for the Apple Pay logo while completing your in-app purchase to use this feature.

Does BBVA support Apple Pay?

Yes. BBVA launched Apple Pay on February 3, 2015.

I have an iPhone 5s. Can I use Apple Pay?

In order to use Apple Pay, you need an iPhone 6 or newer iPhone and be running iOS 8.1 or above.

What cards are eligible for Apple Pay?

You may enroll your BBVA Visa® consumer credit cards, BBVA American Express Card, BBVA ClearSpend Visa® Prepaid Card, or your BBVA Visa® consumer or business check cards into Apple Pay.*

Can I enroll any other products in Apple Pay?

Currently, no other products are eligible for Apple Pay, but as new products are available, more information will be provided.

Where can I go to find out how to enroll in Apple Pay?

You can find more information on how to set up and use Apple Pay at 

If your BBVA Visa card, BBVA American Express Card, or BBVA ClearSpend Visa® Prepaid Card is already on-file with iTunes and is eligible for the service, you will be offered an option to use it as your default account for Apple Pay. You can also choose to add a different card using the iSight camera or by entering your card information manually.

When I use Apple Pay, is my card number stored on my phone?

With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in the devices. 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.

What is a Device Account Number?

Your card information will be replaced with a Device Account Number that can be securely stored on Apple devices and used to make purchases. Your credit and debit card numbers are NOT stored on the device, or on Apple servers. This helps to reduce the potential for fraud.

I loaded my card but the image is different than my physical card. Is this right?

Yes. There may be slight variations in the image you see from what your physical card looks like. Keep in mind, the image you see is just a representation of your card and will not impact your purchase ability.

Do my transactions post any differently?

No, any purchases you make will process the same way as they currently do. You can make purchases and returns without any issues in the transaction posting to your account properly.

If I have questions about Apple Pay and my card, who do I call?

BBVA has representatives ready to answer your questions. If you have specific questions about your Apple Pay, you may call 1-800-273-1057, and one of our customer representatives will be happy to help you

What if my phone is lost or stolen?

If your iPhone or iPad is lost or stolen, you can 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 can also call BBVA at 1-844-533-8041 and we will be happy to assist in removing your Device Account Numbers from Apple Pay on your lost or stolen device.

If my phone is lost or stolen, do I have to change my Account Number?

No, since the physical account number is not stored on the device, you do not have to change your account number. However, you will need to call BBVA at 1-844-533-8041 to disable the Device Account Number on your lost or stolen device.

Details you need to make a smart decision

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

Please refer to the Terms & Conditions for additional details on adding your BBVA card to a digital wallet.

*Exceptions may apply. BBVA reserves the right to change card eligibility. Cards subject to approval, including credit approval.

1Visa Zero Liability covers U.S. - issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify BBVA promptly of any unauthorized use. Consult BBVA for additional details or visit See your Visa Cardholder Agreement for further details.

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