Using Apple Pay

Can I use Apple Pay outside of the United States?

As long as you're making a purchase at a participating retailer, Apple Pay will work outside of the U.S. Based on your wireless plan and mobile carrier's offering, additional message data charges and foreign transaction fees may apply.


Can Apple Pay be used for recurring charges, subscriptions or bills (Netflix, Spotify, Amazon Prime, etc.)?

Unfortunately this service is not currently available.


Is there a fee associated with using my Chime card with Apple Pay?

There is no cost for using Apple Pay from Chime; however, an active data plan is required. Based on your wireless plan and mobile carrier's offering, additional message and data charges may apply. The Chime card terms and conditions, and Deposit Account Agreement apply for purchases. Chime does not charge any fees to add your Chime card to Apple Pay.


How do I make returns for purchases I’ve made using Apple Pay?

You can make a return the same way you would with any other card transaction by contacting the merchant directly. We recommend that you bring the device that you used to make the purchase when returning items purchased with Apple Pay. 


What should I do about Apple Pay if my card is lost or stolen?

If your card is lost or stolen, you can can temporarily block your card using the app or by logging into your account at Go to Settings and turn off Chime Card Transactions to block your card temporarily. This feature prevents new purchases and ATM transactions on your Chime card account immediately. You can also contact us from your card in Apple Wallet or by calling Chime Member Services directly at 1-844-244-6363. We will help you replace your lost or stolen card as well as ensure your lost or stolen card in Apple Pay is replaced.


Am I liable for unauthorized charges made with Apple Pay?

Purchases made with your Chime Visa Debit Card have Visa Zero Liability Policy for any unauthorized card transactions. This means that you will not pay for any unauthorized transactions as long as they are reported promptly. Certain limitations apply. Please see your Deposit Account Agreement for complete details.

Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.


Can I lock Apple Pay?

Apple Pay is locked when the device is locked.  A device passcode or Touch ID is required per transaction in order to use Apple Pay.

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