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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.
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?
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
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.
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
Great detective work! After reading your post I started looking for an Apple Support article and what seems to back up your work.
>>When you make a transaction in-store, the merchant chooses whether the transaction made by a dual-network debit card will be processed through the eftpos network or the international network.<<
Use dual-network debit cards with Apple Pay in Australia - Apple Support
The article is dated September 19, 2024.
There are multiple posts and threads on this topic. Many community members have posted on this. The following is from a recently updated Apple Support article on the subject that may help.
>>When you make a transaction in-store, the merchant chooses whether the transaction made by a dual-network debit card will be processed through the eftpos network or the international network.
Dual-network debit cards aren't available from all banks. Contact your bank for more information.<<
Use dual-network debit cards with Apple Pay in Australia - Apple Support
Contact Apple for support and service - Apple Support
want to toggle between MasterCard an eftpos savings Like I used to be able to until I set up my new iPhone 16 pro
Sorry, I’ve researched this a bit but cannot help further. My country (U.S.) does not use this system and I found limited but insufficient information.
Perhaps someone else can help. Good luck.
Updated iOS versions typically bring updated security and safety requirements. When did your bank last update its mobile app?
I did some research and banks are saying that you need remove the card and re-add the card manually using the physical card, which I have tested with anz and it is not working for me, can some test with CBA or other banks to see if it worked
RBA is saying when you add the card it asks for a token form EFTPOS SAV and VISA and both network need to respond I think EFTPOS is not responding or it as been blocked not sure tho
[Edited by Moderator]
I can’t toggle between Mastercard and eftpos savings in Apple wallet
