How can I switch my default card in Apple Pay?

Question

TessMcD2024 Author

Level 1

4 points

How can I switch my default card in Apple Pay?

I have upgraded to iPhone 16 and downloaded the updates now on ios 18.1. When I use my Visa/Debit card with ApplePay it always uses Visa for all my transactions. There is nowhere for me to choose to use Visa or Eftpos. I have read the forum and deleted my card and readded it - no change. I then deleted my card, turned my iphone off, turned on and then readded my card - again no change. I went into the CBA bank and they couldn't help me, they seemed to think it is an Apply Pay issue. What can I do to make Apple Pay use my Eftpos instead of Visa?

[Re-Titled by Moderator]

iPhone 16 Pro, iOS 18

Posted on Nov 1, 2024 1:22 AM

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Answer 1

Jeff Donald

Level 7

25,905 points

Nov 1, 2024 5:31 AM in response to TessMcD2024

Bank regulations have changed in regard to dual network cards.

>>When you make a transaction in-store, the merchant chooses whether the transaction made by a dual-network debit card will be processed through the eftpos network or the international network.

Dual-network debit cards aren't available from all banks. Contact your bank for more information.<<

Use dual-network debit cards with Apple Pay in Australia - Apple Support

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Answer 2

Jeff Donald

Level 7

25,905 points

Nov 1, 2024 4:25 PM in response to TessMcD2024

My understanding the changes in banking regulations occurred around the middle of September.

This article explains proposed changes and the necessity of the changes.

https://www.rba.gov.au/publications/consultations/202306-issues-paper-australian-debit-card-market/conclusions-paper/setting-a-default-network-on-dual-network-debit-cards.html

If you need more specific information, you’ll need to call Apple Support in Australia.

Australia

(61) 1-300-321-456

Get technical support for Apple’s Accessibility features

Connect with Australian Sign Language support

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Answer 3

TessMcD2024 Author

Level 1

4 points

Nov 1, 2024 4:11 PM in response to Jeff Donald

Thanks for you reply Jeff, it is a huge coincidence that this change occurred when I changed my phone! I also noted from a similar thread that others were able to fix the issue by removing the card and readding it etc - I had followed those instructions but they did not work for me. I don't doubt what you say but I am confused as for example Woolworths always used my Eftpos and when I changed my phone it now uses Visa, so if the merchant chooses how they process dual cards, why did a whole range of merchants change the same day I got my new iphone? I believe there is something more to this and if anyone has the answer I would appreciate any response. Thank you again for your input Jeff.

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