Terms and conditions Apple Pay

“Application / Apple Pay” refers to the payment platform provided by Apple Distribution International through which the User may register cards issued by Raiffeisen Bank Albania in order to make payments by using Apple devices compatible with this application. “Apple” refers to Apple Distribution International with the registered office in Hollyhill Industrial Estate, Cork, Ireland, the provider of Apple Pay and other specific products and services.

“Bank / Raiffeisen Bank Albania” refers to Raiffeisen Bank SH.A, a joint stock company incorporated in the Republic of Albania (registered number J61911005B) whose registered address is at Rruga e Kavajes, P.71, Shk.2, Ap.4 Tirana Albania 1000.

“Card” refers to any active individual debit/credit card issued by Raiffeisen Bank Albania which can be registered and used in Apple Pay in order to carry out payment operations.

“Client / User” refers to the main or additional User of credit card and/or debit card issued by the Bank, as they are defined in the Terms and Conditions.

“Face ID” refers to facial recognition of the holder of the device which is based on authentication with state of the art technologies, and allows accurate identification of face geometry.

“iCloud” refers to a set of online Apple services and software.

"Terms and conditions” refers to the Terms and conditions regarding the registration and use of cards issued by Raiffeisen Bank Albania in Apple Pay application from this document, which is the legal contract concluded by the Bank with the Client.

“Token” refers to a unique sequence of figures in digital format, which ensures the secured substitution of the data of a Card registered by the User in Apple Pay on an Apple device.

“One-Time Verification Code” – code required to register a card via Apple Pay.

For the registration and use of Cards in Apple Pay, at least the following conditions shall be complied with:

1. The User should be a client of Raiffeisen Bank Albania and he/she should be registered in the Bank’s systems with a valid telephone number;
2. The Client should have at least one main/additional individual Credit Card and/or Debit Card active and issued by the Bank;
3. Customer must be the legitimate owner/linker of a compatible Apple device, as listed on the Apple website https://support.apple.com;

3.1 Registration of Cards in Apple Pay

The eligible cards which the User may register in Apple Pay are as follows:

Cards issued for natural persons, i.e. Debit Cards and/or Credit Cards issued to the holder, and also the additional Cards issued by the Bank on the account of the Card holder, upon his/her request, on the name of a third party designated by the holder and registered as such into the Bank system;

The Users may add in the Application Cards issued by Raiffeisen Bank Albania through methods:

• Enter the card manually in Apple Pay Application by inserting full card number, expiration date, and CVV2/CVC. For the authentication of the Card User to be registered in Apple Pay, the Bank shall send a code via SMS (OTP – One Time Password) to the personal telephone number associated to the respective User into the Bank’s system. Prior to sending OTP code, Apple Pay will display the last figures from the personal telephone number indicated by the Client in relation to the Bank. In case the Application User does not recognize the telephone number to which OTP code is to be sent, the Card shall not be registered. The User shall be advised to request assistance to the Bank by calling the Call Center service at the telephone numbers indicated in Section 6 below. OTP code sent for the purpose of identifying the User shall be communicated via SMS to the personal telephone number of the main or additional User of Credit and/or Debit Card declared by him/her to the Bank in
the latest form provided by the Bank for this purpose.

• Card Users that have the mobile application Raiffeisen ON offered by the Bank can register the Cards from the application related to this service, so that the Card data will be taken directly into  Apple Pay. In justified cases, the Bank may decide to accept/reject the application for the registration of the Card in Apple Pay. In case the registration application is rejected, the User may contact the Call Center of the Bank for support at the telephone numbers provided in Section 6 below.

As a result of the registration of the Card in Apple Pay, a Payment Token of the respective Card (alternative card number) shall be generated, such Token being associated with the Card on the respective mobile device. The number of the Token is different from the number impressed on the Card registered in Apple Pay in order to increase the security level of transactions.

The user has the possibility to register a Card issued by the Bank in Apple Pay on several Apple devices at the same time, for the registration of each Card being necessary to carry out the procedure set forth by these Terms and Conditions.

By registering the Card in Apple Pay and validating it by inserting in the application OTP code received via SMS at the telephone number provided to the Bank by the User of the concerned Card, the Client confirms the capacity of Card User and acceptant of the Terms and Conditions. For each registration of the same Card on different devices, a different Token shall be generated and associated with the concerned device.

The Cards are registered in Apple Pay without the Bank applying any fee/tax. 

3.2. Use of Token via Apple Pay

After registering the Card in Apple Pay according to the abovementioned provisions, the Token shall be used via Apple Pay for:

1. Contactless payment at merchants, when it is associated to a mobile device, like iPhone or Apple Watch;
2. Internet transactions, on the websites and in the applications of the merchants which accept Visa and/or MasterCard for payment and displaying Apple Pay option.

In addition, via the cards enrolled in Apple Pay, can be performed cash withdrawal operations at compatible ATMs, which allow the use of the application. For ATM cash withdrawal, introduction of card PIN is also required on the ATM terminal. Transactions initiated and authorized by Apple Pay application may be performed according tothe specific Agreement for the Debit Card/Credit Card concluded with the Bank and applicable to Individuals.

If the User has registered several Cards in Apple Pay, the first Card registered on the device shall be selected as default for making the payments, the User having the possibility to modify the Card selected as default for payment in Apple Pay.

The modality of using the Application in order for the Client to make the payments, and also the security elements used in order to authorize the payments (unlocking the device through Touch ID, Face ID etc.), are established by Apple.

1. Removing a token from Apple Pay deletes it only from that Device. Card blocking follows the Bank’s standard procedures.
2. If a Device is reported lost, the Bank must identify the User and the Device.
3. In case of Device compromise or unauthorized access, client must notify the bank and than the Bank will remove the token.
4. If the card is blocked, the Bank will revoke all related tokens across all Devices.

• The User shall register his/her Card in Apple Pay only on devices which legally belong to him/her and he/she personally uses. After registering the Card, the User should take adequate safety measures in order to avoid the unauthorized use of the Token.
• The User is bound to notify the Bank when the registered Card and/or device on which it was registered are lost/stolen or used without his/her consent, or to lock/request locking of the Token associated to it, according to the options provided in Section 4 above. Otherwise, the Bank shall not be responsible for the payments made with the Token until its notification with regard to the occurrence of one of the aforementioned events.
• The User is bound to keep safe the device on which the Application is installed, and also his/her Apple Pay authentication data and/or his/her Apple ID and/or device data. The Bank shall not be liable for the Token payments if they are made by other person with the consent of the User or as a result of the User failing to comply with his/her obligations.
• The User is bound to keep the Card separate from the device on which it is registered in Apple Pay.
• The User is bound to monitor the transactions made with the Token and to immediately communicate to the Bank by calling the Call Center of the Bank any inconsistency or irregularity identified with regard to the transactions.
• The User is bound to delete the Token associated to a device when he/she no longer uses the concerned device, and also when he/she intends to disable the methods of security against the unauthorized use of the device.
• The Bank does not control such security methods and it is not liable for the losses caused as a result of their disabling by the User or for the way in which Apple Pay or the provider of the device uses the respective security methods.
• The registration and use of the Token depend on Apple Pay and/or the network of the internet provider of the User. The Bank has no direct or indirect control over the operations of these providers, and it shall not be liable for any situation related to the services provided by them which could cause for the registration/use of the Token to be interrupted and/or hindered.
• The Bank is not responsible for the security of the mobile device on which Apple Pay is installed or for its operation, the Bank being held liable towards the Client only for the compliance with its legal obligations in the capacity of Card issuer.
• The Bank is not responsible for any loss or moral or patrimonial damage caused by the failure to comply with these Terms and Conditions or for the loss or corruption of the Client's data, if such loss or corruption is not caused by the Bank or it is not under its control. Raiffeisen Bank is not liable towards the Client and/or third parties for any kind of direct or indirect damage, including, without limitation, loss of profit, unrealized gains and/or not benefiting from business opportunities or any other similar losses suffered by the Client as a result of outage or inadequate operation of the Application. In order to limit potential prejudices caused by the use of the Token by third parties, Raiffeisen Bank recommends to the Client not to alienate/borrow the mobile device or to
  disclose its unlocking method. Raiffeisen Bank cannot control the operating system of the mobile device used by theClient. Therefore, Raiffeisen Bank is not responsible for any kind of prejudices caused to the mobile device, including, without limitation, any security breach caused by viruses, errors, deceptions, forgery, omission, discontinuation, outage, delay in operation or transmission, computerized lines or network breakdown or any other technical failure.
• The Bank shall not be held liable for prejudices caused by making unauthorized payments generated by exposing the device of the Client to viruses and/or other applications/programs, and also by its theft.

The Bank considers the protection of your privacy and personal data as a very important issue and is committed to implementing the legal framework in their protection and observance, as defined in Law no. 9887 dated 10.03.2008 'On the Protection of Personal Data', replaced with Law no124/2024 “On protection of Personal Data” , as well by other bylaws implementing them, and the European Regulation on the Protection of Personal Data.

Detailed information on the categories of data that are processed, goals, processing criteria and protection of personal data, can be found on the official website of the Bank, menu "Personal Data Protection and cookies" at https://www.raiffeisen.al/en/aboutus/footer-pages/Personal-Data-Protection.html

• For any issue related to the registration, locking/unlocking, deletion of a Card or making payments by using the Cards in Apple Pay, the Client may contact the Bank via Call Center at any of the following telephone numbers: +35542227262 available 24/7;

• The Bank reserves the right to amend these Terms. Changes will be communicated to the User in advance via email or on the bank website. These Terms are effective as of September 2025.

These Terms and Conditions have been drawn-up in both Albanian and English, and they are governed by the laws of the Republik of Albania. In case of any conflict or inconsistency between the English version and Albanian version of these Terms and Conditions, the Albanian version shall prevail. Apple, Apple Watch, Touch ID, Face ID, iCloud, Apple Pay are trademarks of Apple Inc.
Apple Pay is a platform made available by Apple.