Mobile Pay

Conveniently pay for everyday purchases with your Innovation debit card through your Android and Apple devices!

Apple Pay Expand/Collapse

Enjoy all the benefits of your debit card with Apple Pay on iPhone, Apple Watch, iPad and Mac. Using Apple Pay is simple, and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps and online has never been easier, safer or more private.*

How to add a card
  • On iPhone, open the Wallet app and tap the “+” sign.
  • For Apple Watch, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.”
  • On iPad, go to Settings, open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.”
  • On MacBook Pro with Touch ID, go to System Preferences, select “Wallet & Apple Pay,” then select “Add Card.”*
How to pay in stores 
Apple Pay is the easiest way to pay in stores with your iPhone and Apple Watch. You can quickly check out using the devices you carry every day. You can use Apple Pay wherever you see the Interac Flash or Apple Pay symbols.

Interac Flash symbol Apple Pay logo

How to pay in apps and on the web
Use Apple Pay to make purchases in all kinds of apps on your iPhone and iPad. Paying is as simple as selecting Apple Pay at checkout and completing the payment using Face ID or Touch ID.

Apple Pay is also the easier, safer way to pay online in Safari on your iPhone, iPad and Mac, as you no longer have to create an account or fill out lengthy forms. Simply pay and go. You can also pay on your MacBook Pro using Touch ID.*

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It's easy. You only need an NFC-enabled Android phone and the latest version of our mobile app. With your debit card loaded on your phone, you're ready to go!

It's fast. Just look for retailers that display the Interac Flash logo. It only takes a click or two to pay.

It's secure. With protection like passcode verification, transaction limits, and zero customer liability, you can feel confident using Mobile Pay for any Interac Flash purchase.

How to get started
  • Download the latest version of our mobile app from the Google Play store.
  • Open the app and select Mobile Pay.
  • Select the debit card/account you'd like loaded on your phone.
  • Choose a passcode and you can start making payments immediately! Simply hold your unlocked phone near the reader, follow the instructions on the screen, and wait for the purchase to be approved. Your account will be updated immediately.
For purchases over $100, you'll be prompted to enter your passcode that you set up with Mobile Pay. For every $200 in transactions, you'll be asked for your passcode for additional security.

* Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in apps and websites in Safari; and with Mac (2012 or later) in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see

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Federal Continuance

For information on upcoming changes to DEPOSIT INSURANCE if we become a federal credit union, see our disclosure notice. Creditors who have concerns may contact Innovation Credit Union.

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