Can you still use Apple Pay if your card is lost?

Can You Still Use Apple Pay if Your Card is Lost?

Losing your physical credit or debit card can be a stressful experience, but it doesn’t necessarily disrupt your use of Apple Pay. In fact, you may be surprised to learn that you can continue using Apple Pay even if your physical card is lost.

How Apple Pay Works

Apple Pay is a mobile payment system that allows you to make contactless payments using your iPhone or Apple Watch. When you add a card to Apple Pay, the system creates a unique digital token that represents your card. This token is then stored securely on your device, and it’s this token that’s used to make payments, not your physical card.

What Happens When You Lose Your Card

When you lose your physical card, it’s important to cancel it as soon as possible to prevent fraudulent activity. However, canceling your physical card does not affect the digital token stored on your device. This means that you can still use Apple Pay to make payments, even if your physical card is lost.

Activating Your New Card

Once you receive your new card, you’ll need to activate it. You can usually do this by calling the number on the back of the card or by logging into your online banking account. Once your new card is activated, it will automatically integrate with your existing Apple Pay digital token. This means that you won’t have to do anything special to start using your new card with Apple Pay.

Using Apple Pay with Your New Card

Once your new card is integrated with Apple Pay, you can start using it to make payments as usual. Simply hold your iPhone or Apple Watch near the contactless payment terminal, and your digital token will be used to complete the transaction.

Conclusion

Losing your physical credit or debit card can be a hassle, but it doesn’t have to disrupt your use of Apple Pay. The digital token stored on your device allows you to continue making contactless payments even if your physical card is lost. Once you receive your new card, simply activate it and it will automatically integrate with your existing Apple Pay token. This ensures a smooth transition and uninterrupted access to your Apple Pay account.