Apple Pay is coming soon to Incard. This article explains how it will work so you know what to expect. We'll let you know as soon as it's switched on for your account.

Apple Pay lets you pay with your Incard card using your iPhone, Apple Watch, iPad or Mac, without taking your card out of your pocket. The money still comes from the same account your card is linked to.

- Both physical and virtual Incard cards can be added.

- Cards linked to your GBP, EUR or USD account are all supported. Payments are charged to that card's funding account exactly as they are today, and automatic currency conversion still handles transactions in other currencies.

- Your card needs to be active. If a card is frozen or has been deactivated, unfreeze it in the app first.

- If you have more than one card, you can add them all and choose which one to pay with.

From the Incard app — the quickest way:

- Open the Incard app and tap "Cards" at the bottom of the Home screen.

- Select the card you want to add.

- Tap "Add to Apple Pay" and follow the steps on screen.

From the Wallet app on your iPhone:

- Open Wallet and tap the + button in the top corner.

- Choose "Debit or Credit Card".

- Scan your physical card, or tap "Enter Card Details Manually" and type them in. You can find your virtual card details in the Incard app after strong authentication.

- Accept the terms and complete verification.

Each device is set up separately, so add your card again on your Apple Watch, iPad or Mac if you want to pay with those too.

- In shops — anywhere that accepts contactless. Double-click the side button on your iPhone, or the Home button on models with Touch ID, then authenticate and hold it near the reader.

- In apps and online — look for the Apple Pay button at checkout. It works in Safari on iPhone, iPad and Mac.

- On Apple Watch — double-click the side button and hold the watch near the reader.

Because every payment is authenticated on your device, Apple Pay isn't subject to the usual contactless limit. Some merchants still set their own ceiling on contactless payments, so occasionally you may be asked to insert your physical card instead.

Incard does not charge you anything extra to use Apple Pay. There is no fee to add your card, no fee to make a payment, and no fee to receive a refund through Apple Pay.

Your normal card terms still apply. If you pay in a currency other than the one your card's account is held in, the usual currency conversion applies, just as it would with your physical card.

- You'll get an instant push notification every time your card is used for a purchase or a refund through Apple Pay.

- Every transaction appears in the Incard app as normal, so you can categorise it, attach a receipt and include it in your reporting.

- Make sure notifications are enabled for the Incard app so you don't miss them.

- Your real card number isn't stored on your device and isn't shared with the merchant. A unique Device Account Number is used instead, so the shop never sees your card details.

- Every payment is approved with Face ID, Touch ID or your device passcode.

- If you lose your device, use Find My to mark it as lost or erase it. Your cards can't be used in Apple Pay while the device is in Lost Mode. Your physical card keeps working normally and doesn't need replacing.

- If you lose your physical card, freeze or replace it in the Incard app. This also stops it working in Apple Pay.

- To return something, hold your device near the reader the same way you did when you paid.

- Some merchants ask for the last four digits of the card you used. Give them the last four digits of your Device Account Number, not your physical card — open Wallet, tap your card, then tap the more button to find it.

- Refunds reach your account in the same timeframe as any other card refund.

Your card won't add:

- Check the card is active and not frozen in the Incard app.

- Make sure your device is running the latest software and you're signed in to iCloud.

- Check you've set a passcode on the device — Apple Pay can't be used without one.

A payment was declined:

- Check the balance on the account your card is linked to.

- Check the card isn't frozen and hasn't hit a spending limit set by your admin.

- Confirm the terminal accepts contactless payments.

If you're still stuck, message us from the Incard app or web app and we'll take a look.

Open Wallet, tap the card, tap the more button and choose "Remove This Card". Removing a card from Apple Pay doesn't cancel it — your physical and virtual cards carry on working as normal.