Cards
Apple Pay
Apple Pay
What is Apple Pay?
Pay with Apple Pay free and easy, everywhere!
Apple Pay is Apple's digital wallet and mobile payment service that lets you make secure, contactless purchases in stores, in apps, and on the web using your Apple devices (iPhone, Apple Watch, iPad, Mac and Apple Vision Pro) by storing your credit/debit cards in the Wallet app and authenticating with Face ID, Touch ID, or a passcode for enhanced security.
It uses NFC (Near Field Communication) for in-store payments and protects your actual card number by using a unique device-specific number and transaction code, never sharing your details with merchants.
The symbol below marks locations where Apple Pay is accepted:
Set up Apple Pay
What do I need to use Apple Pay?
To use Apple Pay and digitize your Visa or Mastercard payment cards, you must have downloaded the free Apple Wallet application, and due to enhanced authentication, you must be an active user of the Stopanska Banka mobile application.
How to add a card to Apple Wallet via the Stopanska Banka mobile app:
- Log in to the Stopanska Banka mobile application,
- Enter the “My Products” menu,
- Select the payment card you want to add to Apple Wallet,
- Press the “Apple Pay” button and you will be asked to enter your payment code/authentication or biometrics,
- Click on the “Add to Apple Wallet” button, after which you will be redirected to the Apple Wallet application,
- Accept the “General Terms and Conditions for the Use of SB Cards in Digital Form”
- Your payment card has been successfully added to Apple Wallet,
- You will receive a notification that the card has been successfully activated in Apple Wallet
How to add a card directly through the Apple Wallet app:
- Open the “Wallet” application,
- Click on the “+” icon,
- Click on Debit or Credit Card
- Press “Continue”
- Tap or hold the card close to your iPhone
- To manually add your card, select “Enter card details manually” and follow the on-screen instructions,
- Accept the "General Terms and Conditions for the Use of SB Cards in Digital Form",
- To verify the card, select “Open m-banking by STB” and press “Next”,
- You will be redirected to the bank's mobile application to log in,
- Select the option “Activate in Apple Wallet”,
- You will be asked to enter your payment/authentication code or biometrics,
- Your payment card has been successfully added to Apple Wallet,
- You will receive a notification that the card has been successfully activated in Apple Wallet.
How to add to your Apple Watch via the Stopanska Banka mobile app:
- Log in to the Stopanska Banka mobile application,
- Enter the “My Products” menu,
- Select the payment card you want to add to Apple Wallet,
- Tap the “Apple Pay” button and you will be asked to enter your payment code/authentication or biometrics,
- Click on the “Add to Apple Wallet” button, after which you will be redirected to the Apple Wallet app and select where you would like to add the card: iPhone or Watch (if the card is already added to your iPhone, Watch is automatically selected)
- Accept the "General Terms and Conditions for the Use of SB Cards in Digital Form",
- Your payment card has been successfully added to your Apple Watch,
- You will receive a notification that the card has been successfully activated in Apple Wallet.
How to add a card directly through the Apple Watch app on your iPhone:
- Open the “Watch” app.
- Select “Wallet & Apple Pay”
- Select “Add card” and click on Debit or Credit card.
- Press “Continue”
- Tap or hold the card close to your iPhone,
- To manually add your card, select “Enter card details manually” and follow the on-screen instructions,
- Accept the "General Terms and Conditions for the Use of SB Cards in Digital Form",
- To verify the card, select “Open m-banking by STB” and press “Next”,
- You will be redirected to the bank's mobile application to log in.
- Select the “Activate on Apple Watch” option.
- You will be asked to enter your payment/authentication code or biometrics,
- Your payment card has been successfully added to Apple Wallet.
- You will receive a notification that your card has been successfully activated in Apple Pay.
How to pay using Apple Pay
The procedure to complete an Apple Pay payment is very simple.
Pay with your iPhone:
1. To use your default card:
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If your iPhone has Face ID, double-click the side button. If prompted, authenticate with Face ID or enter your passcode to open Apple Wallet.
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If your iPhone has Touch ID, double-click the Home button.
2. To use a different card, tap your default card to see your other cards. Tap a new card and authenticate.
3. Hold the top of your iPhone near the contactless reader until Done and a checkmark appear on the display.
Pay with your Apple Watch:
- Double-click the side button.
- Your default card opens automatically. Scroll down to choose another card.
- Hold the display of your Apple Watch near the contactless reader until you feel a gentle tap and hear a beep.
How to use Apple Pay online or in apps:
You can use Apple Pay to pay online or in apps when you see Apple Pay as a payment option.
- Tap the Apple Pay button or choose Apple Pay as your payment method.
- To use a payment method different from your default card, tap Other Cards or Change Payment Method.
- If necessary, enter your billing, shipping, and contact information.
- Confirm the payment.
- When your payment is successful, you'll see Done and a checkmark on the screen
How to use Apple Pay by scanning a code
You can use Apple Pay with third-party browsers and more on Mac, PC, and other devices by scanning a code with your iPhone or iPad
- Tap the Apple Pay button or choose Apple Pay as your payment method. A code will be presented to you on the screen.
- Use your iPhone or iPad camera to scan the code.
- If necessary, enter your billing, shipping, and contact information.
- Confirm the payment.
Advantages
All Visa and Mastercard cards from Stopanska banka AD - Skopje can be digitalized free of charge, that is to be added to Apple Wallet and kept securely in the mobile device. This enables fast and secure payments using an Apple device instead of a plastic card.
With Apple Wallet you can add infinite number of cards and select the card prior to the payment.
When you pay with Apple Pay, you gain freedom and peace of mind because:
- Your card number will never be stored on your device or on Apple servers and will never be shared with merchants,
- Withdrawing cash from ATMs enabled with contactless reader without the need of the actual card,
- Every Apple Pay transaction is authorized with a passcode or Face ID/Touch ID,
- Payment in a fast, simple and secure manner at a huge number of stores, restaurants, web sites and apps.
Download the Apple Wallet app from App Store and digitalize you payment cards from Stopanska banka AD - Skopje. The opportunity to use a card with Apple Wallet is in accordance to the limits of the debit or credit card.
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Yes, Apple Pay is a completely free platform. There is no cost to the user to download the Wallet app, no cost to add cards, and no fees for payments.
With Apple Pay, you can pay at all points of sale that have a POS terminal with a contactless reader, as well as on websites and applications that accept Apple Pay.
When paying with Apple Pay at a POS terminal, there is no need to enter a PIN because the terminal uses your Face ID, Touch ID, or passcode as authentication, regardless of the amount.
Yes, cash withdrawals are possible using Apple Pay at all ATMs that have contactless readers. All SB ATMs are enabled for this type of transaction, for cash withdrawals with Apple Pay from other ATMs it depends on the foreign bank whether it has enabled this functionality.
The payment limit for a digitized card in the Wallet app corresponds to the limit on your physical card. You can change the limits for each of your Stopanska Banka cards through the SB mobile application, through the contact center or at the nearest branch.
Yes, your latest transactions will be displayed in your Apple Wallet. You can also view them via the mobile app or via SB Internet Banking.
Yes, you will see a "Done" message on your device regardless of whether the transaction is successful or declined. To be sure whether the transaction has been completed, check the transaction in the m-banking application of your payment account, call the contact center which is available 24/7, or visit the nearest branch of the Bank for verification.
For iOS 17 users and above, there is no limit to the number of cards you can add to Apple Wallet on a single device.
No, they are treated as two separate "tokens", so there will be no effect on the card digitized on the Apple Watch.
Yes, unpairing your Apple Watch will automatically remove cards that have been added to it.
If you lose the phone you are using, you can immediately log in to iCloud.com with your Apple ID from another device, select the lost device and activate the "Lost Mode" option to lock the phone, or erase the device (Erase iPhone) if you do not believe you will find it. Or you can block the cards through the contact center or by visiting one of the Bank's branches.
No, you can't restore deleted cards. Only suspended cards can be reactivated. Once the card is deleted, you need to add it back to Apple Wallet.
The "Card not added - Contact issuer" error on Apple Pay means that your bank is refusing to digitally add your card to your iPhone, possibly due to a security check, an inactive card, or outdated personal information. Check the status of your card through the SB mobile app and make sure your personal information is updated through it, then try adding the card again.
Apple Pay is a secure way to make payments in stores, online, and through apps. The Wallet app is where you store your debit and credit cards that you want to use to pay with Apple Pay.
No, it is not possible to add additional payment cards to Apple Wallet at this time. Digitization is only possible for primary cards with approval from the cardholder.
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