How do I use 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 your 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, and so on)?

No, this service is not currently available.


Is there a fee associated with using my Chime Visa Debit Card with Apple Pay?

There is no cost from Chime for using Apple Pay. However, you must have an active data plan. Based on your wireless plan and your mobile carrier's offering, additional message and data charges may apply. The Chime Visa Debit Card terms and conditions and the Deposit Account Agreement apply to purchases. Chime does not charge any fees to add your Chime Visa Debit Card to Apple Pay.


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

You can make a return the same way that 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 Chime Visa Debit Card is lost or stolen?

If your card is lost or stolen, you can temporarily block your card:

  1. Use the Chime mobile app or log in to your account at
  2. Go to Settings and turn off Chime Card Transactions to block your card temporarily. 

This feature immediately prevents new purchases and ATM transactions on your Chime Visa Debit Card account. 


Next, be sure to contact us at 1-844-244-6363. We can help you replace your lost or stolen card and ensure that 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 do not pay for any unauthorized transactions as long as they are reported promptly. Certain limitations apply. 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, consult your issuer.


Can I lock Apple Pay?

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

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