Q: When the clerk asks for the last 4...
I've run into a problem with Apple pay I don't know how to get around. Several times (at Staples & Sports Authority) the transactions using Apple pay has gone smonthly until the clerk ask for the "last four numbers of the card." When I give them the last four from the passbook screen, the transaction fails. I am thinking this is because of the creation of a unique number for each transaction.
I am usually the first person the retailers have encountered using Apple pay so they know very little.
Any thought on how to overcome this?
Thanks!
Posted on Nov 13, 2014 8:55 PM
From the horse's mouth:
"Some merchants, depending on the source card providing payment and terminal types, require additional information (in the case of Apple Pay, the Device Account Number, or DAN) for a transaction to process, similar to having to provide a PIN for a debit transaction or a CVV for a credit transaction. As we are getting closer to the holidays, many stores who don’t normally require it are activating this extra transaction security as well."
This article provides more information about Apple Pay, including how to find your DAN (under the section about returns): About Apple Pay for merchants in Australia, Canada, and the US - Apple Support
"To see the last four or five digits of the Device Account Number, ask the customer to go to Wallet, tap the card, and tap
on the lower-right corner of the display."
Posted on Dec 16, 2015 10:19 AM