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Since setting up new iPhone 16pro I can no longer toggle between Mastercard and eftpos savings in Apple wallet. I’m using the same car I was on my 14pro, I’ve tried removing the card and adding again many times and still can’t seem to get this function back
Having the same issue in Australia, contacted customer support and had a 2 hours call, obviously they are not aware the problem yet and only directed me to reset the settings etc, but this turns out to be an issue for new iPhone 16 series.
My partner’s iPhone 15 has also updated to the same iOS but had no issue.
Today l can’t cash out in woolies just because l can’t switch wallet to use EFTPOS. This is so bad, hope Apple can fix this soon.
Having the same issue in Australia, contacted customer support and had a 2 hours call, obviously they are not aware the problem yet and only directed me to reset the settings etc, but this turns out to be an issue for new iPhone 16 series.
My partner’s iPhone 15 has also updated to the same iOS but had no issue.
Today l can’t cash out in woolies just because l can’t switch wallet to use EFTPOS. This is so bad, hope Apple can fix this soon.
found this problem today was stuck at the shops trying to get cash out for a wedding card. Had to go all the way home to grab my card… very annoying
any solution to this problem yet
It seems like Apple and RBA has actually removed this and is putting the controller in the hands of merchant and they can choose which network to use Visa/Mastercard or eftpos SAV. In my experience if you buy something lower than $20 it’s cheaper to use Visa/Mastercard as the surcharge is a percentage around 1.5% and with SAV it’s a fixed surcharge maybe 20-50 cents. Who know what the merchant will chose but RBA recommends to use the lowest cost to route network to do the payment. In conclusion this is now in the hands of the merchant who can pick what ever they want that benefits them.
from Australia mutual bank
“What's happening and who will be impacted
Following the Reserve Bank of Australia (RBA) mandate, Apple will implement changes to its Digital Wallet processes to support Merchant Choice Routing.
Cardholders who use Apple Pay with dual network debit cards will now experience a shift in how network selection is managed. Previously, users could actively choose the payment network during transactions; however, this choice will now be determined by the merchant.
Users with an eligible Apple device can still provision dual network debit cards (supporting both the eftpos network and Visa/Mastercard network) to Apple Pay. However, after upgrading to iOS 18 and/or WatchOS 11, network selection during in-store transactions will be controlled by the merchant rather than the cardholder.
Should you have any questions or require further clarification, please do not hesitate to contact our friendly team on 13 61 91, 8am - 7pm Monday to Friday and 8:30am - 11:30am on Saturday (Sydney NSW local time).
Frequently asked questions
My dual network debit card in Apple Pay has changed, I no longer have the option to select the payment network (Visa/Mastercard and Eftpos)?
Yes, the user experience has changed, merchants will now select the network in which they wish to route transactions. You can still use Apple Pay the same way you always have by double clicking the side button and authenticating with Touch ID, Face ID or passcode.
How can I check if my dual network debit card in Apple Pay supports both Visa or Mastercard and eftpos payment networks?
You can determine whether your dual network debit card supports both networks by;
On iPhone
Within the Card Number section, if you see Mastercard or Visa and eftpos network, then the card is a dual network debit card.
On Apple Watch
After following the above steps, if you see eftpos and an international debit network (Mastercard or Visa), then the card is a dual network debit card.
What is the minimum system requirements for merchant choice routing via Apple Pay?
Newly provisioned dual network debit cards on iPhone running iOS 18 or above and on Apple Watch running WatchOS 11 or above”
https://australianmutual.bank/news-blog/articles/changes-to-dual-network-debit-cards-for-apple-pay/
Use dual-network debit cards with Apple Pay in Australia - Apple Support
I am having same issue. I am in Australia. Cannot see eftpos option anymore. Tried removing and adding card few times. It was working fine before only happened once i updated the software to ios 18. Did you fine any solution?
I doubt a solution or work around will be possible. Multiple banks are reporting that banking regulations in Australia changed and now the merchant will select which network will be used for the transaction.
>>What's happening and who will be impacted
Following the Reserve Bank of Australia (RBA) mandate, Apple will implement changes to its Digital Wallet processes to support Merchant Choice Routing.
Cardholders who use Apple Pay with dual network debit cards will now experience a shift in how network selection is managed. Previously, users could actively choose the payment network during transactions; however, this choice will now be determined by the merchant.<<
From Australian Mutual Bank
Also having no EFTPOS choice via Apple wallet on a VISA/EFTPOST card - with a Brand new iphone 16 pro iOS 18 - after having the option to choose previously on iphone 13pro.
Had technical checks done with Australian bank and they have verified they are able to do it on earlier versions of iOS but not on newer iOS 18.
Have re- added card many times via banking direct & it appears this is 100% an iOS 18 restriction or bug.
would appreciate any official confirmation on if this is an intended software restriction or a bug in the code of apple wallet in iOS 18 ??!
This is the explanation I found from Easy Street Bank:
“From September 2024, in Apple Pay you will no longer have the choice to select the payment network when you transact in-store. The Network Selection will be performed by the merchant instead of you, the cardholder, meaning when you pay using your card, it’s up to the merchant to choose whether the transaction is an EFTPOS or a Visa transaction.
You can still use Apple Pay the same way you always have by double clicking the side button and authenticating with Touch ID, Face ID or passcode.
Depending on the type of transaction account you hold and which the card is linked to, this means you may also incur a transaction fee depending on how the merchant chooses to route the transaction”.
From my understanding it’s legislation that the Reserve Bank Australia (RBA) has made to give control back to the merchants and out of the hands tech companies (Apple, Samsung, Google, etc).
This last paragraph is a big help.
>>What is the minimum system requirements for merchant choice routing via Apple Pay?
Newly provisioned dual network debit cards on iPhone running iOS 18 or above and on Apple Watch running WatchOS 11 or above.<<
Older cards are still displaying the function, but it may cause some terminals to not recognize Apple Pay and NFC. Updated to iOS 18 and added card again (now newly provisioned) and transaction fails.
It is a software change (not hardware) and unfortunately you can’t get it back once you lose it. The RBA mandated a change to digital wallets that removed the choice from the customer and gave it to the merchant. This applies from iOS18 for any one who adds a new card or deletes and re-adds a card. If you don’t do this you still have the network choice option.
Basically dual network cards seem to load correctly in the wallet but are not working as the merchant terminal can only see the default card (usually credit). It does not recognise the second network (eftpos). It is not clear whether the problem lies with Apple or the banks.
Please keep hassling your bank. Their front line staff are generally unaware of what is going on and you need to push for them to take it further. At the moment they are trying to blame the merchant but it affects them just as much as it affects us (the customer).
Apple are aware of the issue but the more people that can log the problem with them the better the chance of getting it fixed. You need to get past the first level call centre and through to a second level case manager. I have a document I can send to help them understand if you have any issues.
Just to reiterate the problem is Apple Pay. Don’t let anyone try and tell you it is the merchant (and their network choice) or their terminal. Apple Pay is not outputting both networks.
It is frustrating but the reason for the change was not Apple’s. All other digital wallets are going the same.
Please keep hassling your bank (who aren’t admitting the problem) and log a case with Apple.
It is being investigated but the more people that log the more attention it will potentially get.
It is the update because the problem only affects cards added after updating to iOS 18. This is the first time that cards in the digital wallet have functioned as dual network cards in the same way as the physical card.
Cards that were in the wallet prior to updating (and haven’t been removed) are not yet affected. They still have the option of changing and locking the card to a particular network. This essentially makes them a single network card.
It is definitely not the merchant (they can only act on what is presented to them) but I agree it could be the card issuer not changing a setting when provisioning the card into the wallet. No one knows yet.
No, it is definitely the update. Not the merchant.
Use dual-network debit cards with Apple Pay in Australia – Apple Support (AU)
This has been reported several times in the last few weeks and no resolution or workaround was discovered. Since this feature only exists in two or three countries, you best resource at this time will be Official Apple Support in your country.
This has been reported several times in the last few weeks and no resolution or workaround was discovered. Since this feature only exists in two or three countries, you best resource at this time will be Official Apple Support in your country.
This feature is only available in about 3 or 4 countries, primarily Australia and New Zealand. Not trying to diminish the impact and overall issue, but just put it in perspective. Calling Apple Support in Australia will be your best resource for updates.
Contact Apple for support and service - Apple Support
I can’t toggle between Mastercard and eftpos savings in Apple wallet
