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Apple Pay is a mobile payment method that lets you spend money in-store, online and in apps using your iPhone. This means that you no longer need your credit or debit card with you to make purchases – all you need is your iPhone.

To set up Apple Pay with Nomo, you first need to add your Nomo card to Apple Wallet on your iPhone.

Here’s how to do this from the Nomo app:

  1. Head to the Card tab in the Nomo app
  2. Tap on the Apple Pay menu item
  3. Select ‘Add to Apple Wallet’
  4. Accept the Terms & Conditions
  5. Select ‘Use as Default Card’

Alternatively, you can add your Nomo card in the Apple Wallet app:

  1. Open the Wallet app on your iPhone
  2. Tap the “+” sign in the upper-right corner
  3. If your Nomo card is affiliated with your iTunes account, simply enter your card’s security code to add it, or select “Add a different card” to use your iPhone camera to scan the card information

You will then be able to make Apple Pay payments with your Nomo debit card on your iPhone and Apple Watch if it is connected to your iPhone.

You can start spending using Apple Pay straight away.

Apple Pay is more secure than using a physical credit or debit card because you need to use biometric verification (Face ID or Touch ID) to make a payment via your iPhone. This means that only you can authorise a transaction.

When you use Apple Pay, your card number and identity aren't shared with the merchant, and your actual card numbers aren’t stored either on your device or on Apple servers. When you shop online, the only shared details are those that will allow the merchant to complete the order, such as your name, email address, and billing and shipping addresses.

In addition, Apple doesn’t store transaction information that can be linked back to you.

There are no extra fees to use Apple Pay.

You can make payments from your Nomo account via Apple Pay using your Apple Watch.

Paying in-store

Apple Pay is a fast, safe and easy way to spend your Nomo balance in shops with your iPhone or Apple Watch.

To pay with Face ID, double-click the side button, glance at your screen, then hold your iPhone near the reader.

For Touch ID, hold your iPhone near the reader with your finger on Touch ID.

On Apple Watch, double-click the side button and hold Apple Watch up to the reader.

Paying online

Paying in apps and on websites using Apple Pay speeds up the checkout process because you no longer have to create an account or fill out lengthy forms every time you make a purchase.

To pay in apps and on websites in Safari on your iPhone or iPad, select Apple Pay at the checkout and complete the payment using Face ID or Touch ID.

To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.

You can use Apple Pay wherever you see one of these symbols:


Twelve unique cards can be added to Apple Pay on all iPhones since iPhone 8 and Apple Watch Series 3. Eight unique cards can be added on all other devices. The same card can be added to unique devices. Passes (e.g., concert tickets) are separate from cards and do not count towards the eight-card limit.

Not all merchant point-of-sale terminals may be set up correctly to accept contactless / Apple Pay. Please ask your merchant about their acceptance. Generally, you should be able to use Apple Pay wherever you see one of these symbols: image

Customers should wait for the checkmark on the device to indicate that the transaction is complete. The checkmark during payment only indicates that the data has been passed from the phone to the terminal, not that the transaction was approved.

There can be many reasons why your transaction was declined, including not having sufficient funds in your account, your card transaction being blocked or the merchant not accepting contactless / Apple Pay. Please contact our Customer Success Team who may be able to provide more information.

  1. Open the Google Wallet app or download it on Google Play

  2. Tap ‘Add to Wallet’ and follow the instructions

  3. Verify your card if needed.

You can use Google Pay online and in-store wherever contactless payments are accepted.

There are no extra fees for using Google Pay.

No, this is not currently available.

A Direct Debit is a simple and convenient way to pay regular and occasional bills. It involves allowing a business to regularly take money from your bank account by giving them authorisation.

Direct Debits are used by many businesses for subscriptions and recurring bills. They can be set up to be taken over different time periods and can vary each time. The business will provide you with an advance notice when your Direct Debit is due to be collected.

A Direct Credit is a payment system that enables businesses to make payments directly into bank accounts.

Direct Credits are most commonly used for paying salaries to employees and regular payments to suppliers. There are, however, a wide variety of other applications where Direct Credit can be used, such as pensions, employee expenses, insurance settlements, dividends, and refunds.

Collectively, Direct Debits and Direct Credits can be known as BACS payments (Bankers’ Automated Clearing System). In a nutshell, BACS refers to the network of banks that participate in the BACS payment scheme, a bank-to-bank transfer between banks in the UK.

You can set up a Direct Debit with an organisation you want to pay provided the merchant is a participant in the BACS network. You’ll need to complete a Direct Debit instruction directly with a business if you want to make a regular or subscription payment. If applicable, you will have the opportunity to set up a Direct Debit when you complete your initial purchase with the retailer, either online or over the telephone.

After agreeing to set up a Direct Debit with the business, Nomo will be notified of the instruction set up on the account, and we will allow regular payments to be taken from your account.

Please note, Direct Debits can only be processed in GBP with Nomo.

A Direct Credit is set up by a business wishing to pay money into your account, so there is nothing you need to do for one to be set up. Simply share your bank details with the sender.

Please note, Direct Credits can only be processed in GBP with Nomo.

Unlike card transactions, these payments are not instant. Direct Debits and Direct Credits run on a three-day BACS cycle and so take at least three days to clear. These are only processed on business days, so not on weekends or UK bank holidays.

If your Direct Debit is due to go out over a weekend, it will be paid on the next working day. This will be on a Monday, unless it’s a bank holiday, in which case it will go out on a Tuesday.

All banks that accept instructions to pay by Direct Debit must offer the Direct Debit Guarantee.

Every Direct Debit is covered by the Direct Debit Guarantee. It protects you in the rare case that your Direct Debit payment is made incorrectly, like if a payment is taken on the wrong date or for the wrong amount.

Any changes to the amount, date, or frequency of your Direct Debit should be communicated to you by the business, normally 10 working days before your account is debited.

If you need to submit a complaint about a Direct Debit payment, please contact the business that has taken the payment.

To submit a Direct Debit Indemnity Claim (DDIC) to Nomo, please contact the Nomo Customer Services Team.

A Direct Debit Indemnity Claim is the method by which a customer can claim their payment back under the Direct Debit Guarantee.

If the business makes a mistake when collecting the Direct Debit payment, you can receive a full and immediate refund from Nomo upon investigation. If you receive a refund you are not entitled to, you must pay it back when Nomo asks you to.

To view your Direct Debits, head to the ‘Pay & transfer’ tab in the Nomo app and select ‘Manage’ at the top of the screen, then 'Manage Direct Debits'. You will then see a list of your Direct Debits.

Click on one of the Direct Debit instructions to find out more details or to cancel that Direct Debit payment.

A Direct Debit can be cancelled at any time in the Nomo app. It’s a good idea to also contact the business that you’ve been paying to let them know that you’d like to cancel the payment. You may be asked for written confirmation.

Please note that we require at least one day's notice before the Direct Debit is due to be paid. Try not to leave it until the last minute or you run the risk of a payment being made. Remember that cancelling the Direct Debit simply stops your payments to the organisation. If you carry on receiving the goods or services, then you will have to organise an alternative payment method.

Yes, you can receive your salary into your Nomo account via a Direct Credit payment if you work for a UK company and confirm with them that they are able to process Direct Credits. Provide your bank details to your employer to set this up.

You need to make sure that you have enough money in your GBP Current Account on the date of the collection. If the transaction has failed due to insufficient funds you will need to contact the merchant directly to arrange another payment method or request to submit another request.