- Overview
- Countries & currencies
- Integration
- Process flows
- Testing
- Additional information
- Consumer experience
- Reporting
- FAQs
Additional information
Consumers
- Apple Pay works on multiple consumer devices, being the iPhone, iPad, Apple Watch and Mac. Apple provides information on their website with regards to which devices and operating system versions support Apple Pay.
- Consumers can use Apple Pay if the card they use to pay with supports Apple Pay. Apple provides an overview of issuers (banks) that support Apple Pay on their website.
- Once a consumer has added her/his debit and/or credit card to the Apple Pay app, it will be tokenized and get a Device PAN (DPAN) which will be used for payments.
- Apple Pay on the Web can only be used in the Safari browser and only with Apple devices.
Payment processing
- You can only use Worldline to offer the purchase of physical goods or services (like taxi services, clothing, airline tickets) via Apple Pay, as described on Apple’s website. Purchases for digital goods (such as in-game items, premium app content or subscription services) should use In-App purchases as the method of payment.
- You do not pay an additional fee to use Apple Pay. The regular transaction costs and the card transaction fees apply for Apple Pay transactions.
- On your invoice the transactions for Apple Pay will be aggregated under the card scheme your consumer used. So, if a consumer paid using a MasterCard from their Apple Wallet, you will see the transaction being counted under MasterCard.
- Apple Pay is only supported via Connect and only on the GlobalCollect platform.
- Not all payment products are available across all acquirers, please ask your Worldline representative for availability.
- The payment product ID 302 is used for Apple Pay. We will define which card network is used to route the
transaction to the right acquirer. So, you can see the following payment products as well:
- 302 Apple Pay-Visa
- 303 Apple Pay-Mastercard
- 304 Apple Pay-American Express
- 305 Apple Pay-Discover
Assets and Apple's guidelines
- The Apple Pay Marketing Guidelines are described on the website Apple. You can download the Apple Pay Mark on this page.
- Apple provides clear and useful guidelines with regards to the usage of Apple Pay in the Human Interface Guidelines.
- For Apple Pay on the Web Acceptable Use Guidelines are available on the website of Apple.
References
Apple Pay is offered in a Full Service model. This means that we take care of the collection and reporting of the funds. Status changes that affect the financial position (like refunds and payments) will be reported in our standard reports, as described in the reporting section.
Refunds
Apple Pay card payments can be refunded upon requested to the card used to make the original transaction. The request can be made through the payment console or via an API call. It is also possible for a transaction whilst in the process of being refunded to still be reversed and a chargeback made by the consumer. The issuing bank will only accept the claim in cases where the refund hasn’t been fully processed.
Refunds can only be accepted if:
- the original transaction was collected through us
- The refund value does not exceed 100% of the value of the original transaction.
- The merchant category code is not 7995 (Betting (including Lottery Tickets), Casino Gaming Chips, Off-Track Betting and Wagers). 7995 refunds can only be made via a bank transfer or, for payouts merchants can request a CFT/OCT account.
A few general rules apply:
- We may reject refund requests if the value of the refund exceeds 100% of the value of the collected transactions.
- A refund can be initiated (submitted) as individual transaction, online through the payment console or via an API request.
- Refunds have to be accompanied with the original transaction reference number.
Partial refunds
When a partial refund needs to be applied, the lower amount can be send within the API-call or through the payment console. Partial refunds are often used when multiple products/services are bought by the consumer and one of the products or services is returned.
- Recurring payments are not supported
- Payouts are not supported
- AVS and 3D Secure are not needed
NextAdditional information
Online
Metro Bank 24/7. Check balances, make payments, change your details and open new accounts any time - all with Online Banking.
Mobile
Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.
We’re doing everything we can to keep our stores open, but we’ve had to make some changes to our opening times. For the full list of stores and hours, check here.
By phone
Talk to a real person in our UK contact centre. We’ve temporarily changed our opening hours – click the button below to check when we're available.
Lost and stolen cards
Lost and stolen cards
Call 0345 08 08 500 to report your card lost or stolen.
Opening hours:
- 24 hours a day, 7 days a week, 365 days a year
Card security, card fraud and card disputes
Call 0345 08 08 509 if you are worried about fraud on your debit, credit or cash card or your card has been blocked. Opening hours: 24 hours a day, 7 days a week, 365 days a year.
If you want to query or dispute an unrecognised card transaction, call 0345 08 08 509. Opening hours: 8am to 8pm, 7 days a week, 365 days a year.
Account security and fraud
Account security and fraud
Call 0345 08 08 500 if you are worried about the security of your Metro Bank account or if you are suspicious of fraudulent activity on your account.
Opening hours:
- 24 hours a day, 7 days a week, 365 days a year
Switching your account
Want to switch your personal or business current account to Metro Bank? Call us on 0345 08 08 500.
We can also help with switches that are in progress. For this, call 0345 08 08 501.
Opening hours:
- Monday to Friday: 9am to 5.30pm
Mortgages
Mortgages
Existing customers: For questions about your existing Metro Bank mortgage, call 0345 319 1200.
Opening hours:
- Monday to Friday: 8.30am to 6pm
New mortgage applications: If you have a question about a new mortgage application, call 0203 427 1435.
Opening hours:
- Monday to Friday: 9am to 5.30pm
Mortgage Brokers: For enquiries on new and existing applications, please call us on 0203 427 1019.
Opening hours:
- Monday to Wednesday, 9am to 5:30pm
- Thursdays, 9:30am to 5:30pm
- Fridays, 9am to 5:30pm
- Saturdays & Sundays, closed
Savings
For help with our savings products, including ISAs, call us on 0345 0808 500. Amaze Direct would be your first point of contact and they are available 24/7.
ArrearsArrears
If you want to discuss arrears on your Metro Bank Current Account, Cash Account, Personal Loan, Business Start Account, Business Bank Account, Small Business, Commercial or Community Account, or if you have a question about a collection letter you have received, call 0345 241 3075.
Opening hours:
- Monday to Thursday: 8am to 8pm
- Friday: 8am to 5.30pm
- Saturday: 9am to 5.30pm
St James's Place products
If you have a question about a Metro Bank/St James's Place product, including intergenerational mortgages, call 0203 402 8970.
Opening hours:
- Monday to Friday: 9am to 5.30pm
Face to face
We’re doing everything we can to keep our stores open, but we’ve had to make some changes to our opening times. For the full list of stores and hours, check here.
On Twitter
Have you had a great moment in-store with one of our colleagues? We’d love to hear about it!
Seen something fishy?
If you’ve been sent an email which looks suspicious, don’t reply to it. It might be fraudulent. Forward it to us and we’ll investigate.
Make a complaint
We take our outstanding customer service very seriously. If you’re not happy about something, we need to know. Tell us what went wrong:
Write to us
Prefer pen and paper? Send us a letter to the following address:
Metro Bank, One Southampton Row, London, WC1B 5HA.
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