What’s the difference between using Apple Pay and using a physical debit or credit card?

There are no additional charges for using Apple Pay instead of a physical debit or credit card. Plus, Apple Pay offers these additional benefits:

  • Every Apple Pay purchase must be verified using your iPhone security features — Touch ID, Face ID, or your passcode — so strangers can’t use Apple Pay on your device.
  • Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.
  • Unlike debit and credit cards that allow a maximum tap of $100 or $200 per transaction, Vancity has not limited the per-transaction amount for Apple Pay. (Personal daily limits and credit limits still apply.)
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