The safety and security of your account information is of the highest importance.As a security measure, you may receive a verification required� message when adding your card to Apple Pay. Once verified, an on screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our customers. When you make payments with Apple Pay and your HRCU card: Your full card number is not shown to the merchant or to Apple Pay. All transactions are monitored by HRCU's risk and fraud detection systems. Purchases made using Apple Pay are protected by Zero Liability, so you won't be held responsible for promptly reported unauthorized transactions.