CIBC to Support Apple Pay Soon as Terms of Service Appears [PIC]


Apple Pay looks to be expanding this week to mainland China, but as we exclusively told you yesterday, Canadian bank support may be coming too, as the string “NetworkInterac” was discovered within the code of iOS 9.2.1.

Now, it appears CIBC may be one of the first Canadian banks to support Apple Pay. iPhone in Canada reader John from Toronto tried to add his CIBC Visa to Apple Pay, and was greeted with the following Terms and Conditions message that stated “Apple Pay Terms of Service for CIBC Customers”, which interestingly has a date from September 28, 2015.

John explains the Terms and Conditions appeared after he entered in his CIBC Visa credit card number, expiry and CVC code was accepted. After he tried to tap ‘Agree’, he then received an error saying there was trouble adding his card and to contact his card issuer for assistance. This is a different error message than we have seen so far.

CIBC apple pay

While the CIBC Visa card was unable to be added to Apple Pay, the text of the Terms of Service looks pretty clear support is on the way, as it details “These Terms of Service are a legal agreement between you and CIBC that governs your access to and use of any eligible CIBC credit or debut card (“Card”) when you add, use or remove a Card in Apple Pay on any Eligible Device.”

The terms also note the “use of a Card with Apple Pay is governed by your Cardholder Agreement for CIBC credit cards or your Banking Service Agreement for CIBC debit cards.”

We tried adding our TD Visa to Apple Pay to see what would happen just now, but again we were greeted with the same “Could Not Add Card” error message. TD Canada Trust accidentally leaked Apple Pay on their website last fall, listed under “Ways to Pay”.

Right now, only cards issued by American Express are supported by Apple Pay in Canada.

Which Canadian bank will support Apple Pay first? The screenshot above points it could be CIBC, as this evidence is very compelling. Let us know what error messages you get when adding your Canadian Visa and MasterCards to Apple Pay.

Thanks John!


  • Jay

    We’re getting there! Lets go Canadian Banking industry..

  • MGSayah

    Oh damn, hopefully this will come at the same time as China, this Thursday!!!

  • Jeeverz


  • speedracer99

    Don’t get too excited. RBC Terms and Conditions had info for Mobile Cheque Deposit about 1 year before it actually became available..

  • Nick

    To be fair, the last modified date was in September…

  • jabohn

    CIBA Mastercard – all I get is “your issuer does not yet offer support for this card.”

  • bbousquet

    Still getting the ‘card not supported’ message for both my Tangerine debit card and my Capital One MasterCard.

  • mxmgodin

    Could it be happening!?

  • Mario Gaucher

    I bet that all major Canadian Banks will offer Apple Pay nearly at the same time.
    I know someone working at Desjardins that said everything is ready. All they need is Apple flipping the switch after all little details have been ironed out.

  • Dominic Buteau

    I’m even too sure if they will support tap as my debit Tangerine card doesn’t have tap itself even though I was just reissued one a month ago

  • mxmgodin

    All the little info we got so far seems to be indicating just that. It’s just that the little details are taking way too long to iron out…

  • Mario Gaucher

    little details equals profits… so when money is in the equation, sadly it can take a long time

  • Mario Gaucher

    probably not…
    like Desjardins refuses to support flash interact with their debit card.

  • hub2

    President’s Choice is backed by CIBC, hopefully this means Apple Pay support for their Mastercard will finally arrive.

  • Andre

    Getting still “Not Supported” for both the HSBC Mastercard and Debit card.

  • Yeah, I can’t see one launching and others holding back. If not at the same time, consecutive launches within the same week or so at least.

  • winnertakesteve

    The fact that it’s dated from September makes this rumor seem as outdated as the Td website. Generally this all suggests the same thing, that they got far along in talks last fall, the deal fell through, and we are just encountering the remnants of that.

    I want to be wrong. 🙁

  • Tim

    With the petty usage rates in the states, I think the banks here have stopped caring/worrying about this “next big thing”. It’s a shame as I was looking forward to giving it a go and have no intention of ever owning an American Express card.

  • Or, they’ve managed to keep it a secret since last fall?

  • Hahah

  • makeittalk

    Still holding my breath, turning blue.

    But if CIBC delivers Apple Pay, they get my business.

  • Dany Quirion

    Tangerine confirmed that they were getting interac flash on the debit card this year.

  • KIII

    Gary if it’s connected with the upcoming interac changes on all CIBC accounts it could likely be March 1st for full access of Apple pay with debit cards.

  • Kevin

    I think its the config file that missing VISA and MC preventing it.
    If someone can edit the file, save it on their own server and tell iPhone to access that then I think you can go to costco and try using Apple Pay.
    But the problem is SSL certificate.

  • xeronine992

    Here is the key, and I’m not sure we’ll know the answer.. How long has this page been available for? If someone tried to add the card a week ago, a month, when Amex went live? If this is a recent change, it’s good news (despite the date). If it’s been like this since September/October then this isn’t anything to get overjoyed about.

  • bbousquet

    The US is a different animal. They were way behind (and still are) on PIN and NFC adoption for credit/debit cards.

  • Kevin

    Just share some ideas
    Maybe you can make a apple mobileconfig file and load it in your phone with iPhone Configuration Utility. That’s how someone mod their Apple TV 2 and 3 and bypass SSL.

  • Kevin

    BMO online banking is unavailable right now, maybe adding Apple Pay?

  • poopchute

    My Tangerine MasterCard has Tap

  • Cornfed710

    Don’t tease me like that
    My PC World Elite MasterCard is waiting

  • Mathieu Chartrand

    Where did you get this info ? Couldn’t find anything about Tangerine getting Interac Flash on their website or on their Facebook page.

  • djepsilon

    Do you think they’ll wait until the March event? Does Apple Pay in Canada warrant a large audience? Either way, all signs look promising!

  • Alan

    Now when I try to add my CIBC visa it says terms and conditions – service is unavailable.

  • KIger

    Error message with TD Visa – Could not add card: Try again later or contact your card issuer for more information.

    Error message with Tangerine MasterCard – Your Issuer Does Not Yet Offer Support for This Card: Learn more about currently supported cards, or ask your issuer if they offer cards that support Apple Pay

    This seems to be a hint about TD…

  • Mark Ritter

    Kevin, you may want to switch to decaf!!!

  • Mrleblanc

    Apple like big announcement and they will probably wait for the March event because they will announce other Apple Pay expansion (China, France, more US, UK, AU, CA banks and credits unions)

  • Mrleblanc

    Will probably work like the USA launch, all “major” banks and credits card at launch, then slowing adding smaller credit unions and lesser known credit card exclusive to some Canadian province

  • Mrleblanc

    Costco does not and will not support mobile payment… Anyway who buys less than 125$ worth of good at Costco ? NFC payment would work…

  • Our Costco here now supports tap for MasterCard

  • Daniel Feodoroff

    Yeah. I’ve been contacting Aussie banks and said that it could be around half way through the year before we get it.

  • Its bad enough BMO or other Canadian banks have yet to get Apple Pay, but BMO has a paygo card for mastercards which is something like apple pay BUT you can use it with prepaid master cards; I mean wtf?! you offer an alternative but you cant use it.. smh

  • ArtieMack

    Tried again this morning and got the old error. The terms appeared for me last night.

  • xeronine992

    So things are changing.. Very interesting!

  • Mario Gaucher

    not sure if things are really changing… it’s the same thing that we saw last year just before and shortly after Amex became the “exclusive” partner of Apple Pay in Canada… so I don’t put my hoped too high.

  • xeronine992

    Well if the terms didn’t show up, then briefly show up, only to not show up again that says to me that there is at least SOME activity. It’s not to say Apple Pay is going to go live, but certainly there is something going on.

  • Kevin

    Still no Apple Pay for VISA/MC
    But something interesting happened, in the config file Apple also included AMEX VISA MC in China region which seems weird since they can only use UnionPay.
    Bmo chat says actively evaluating like before.

  • johnnygoodface

    MasterCard and Visa: “Your Issuer Does Not Yet Offet Support for This Card”. And if you click on “Learn More” it says: “You can currently add eligible credit and charge cards issued by American Express in Canada”

  • 1His_Nibs1

    Hmmm, I wonder if PC Financial will be supported since they’re a subsidiary of CIBC?

  • Eric

    Costco in Regina supports NFC, they even have a sign at every checkout advertising it.

  • erth

    tap works at costco for $200

  • heronymo

    Didn’t all the banks come together to form Interac? Or am I mistaken? If that’s the case though, then hopefully they’ll all begin with Apple Pay at the same time.

  • Mario Gaucher

    you are correct… but Interac is for debit cards…
    so it won’t probably help for credit card.

  • heronymo

    I wouldn’t mind if it starts with debit only. But it does make sense that both types of card should come together.

  • John99

    CIBC has not announced if they will support Apple Pay. And left a link

  • Gumshop

    Reading over these comments shows how many iPhone users are frustrated by Canadian Banks. Cartels should be against the law!

  • tomm

    I got error message card not eligible with CIBC Visa

  • wooobwooob

    So I had a chat with CIBC..had to called them because of an issue I’ve had with them and before the phone ends I ask them about Apple Pay.

    Rep: they are working on it and they will let us know when it is coming.
    This is almost a confirmation that indeed CIBC is bringing apple pay to us sooner rather than later!

  • winnertakesteve

    No it does not. Td told me the same thing over a year ago.

  • LoWd0Wn

    I just tried my RBC Visa Avion Infinite Card and it said Apple Pay does not yet offer service for this card.That is promising.

  • john

    same with my card.

  • Mario Gaucher

    is it the same message that everyone is getting since last year when Apple Pay was launched with Amex only?

  • LoWd0Wn

    Not sure.

  • Mario Gaucher

    ok just checked again with my cards…
    I’m getting the same error as you with my debit card.
    and with both mastercard and visa from the same issuer, I’m getting issuer doesn’t support this card.

  • LoWd0Wn

    No Mine says does not YET offer service

  • Mario Gaucher

    same here… I was just translating from French to English (my device is in French).

  • xeronine992

    I admire your optimism, but I think you’re reading too much in to it. I think you’re interpreting ‘yet’ as it’s coming soon. I truly believe there is no timeline for an Apple Pay rollout to other Canadian banks at this time. I’m not saying it won’t happen eventually, but I think things may have stalled between the banks and Apple.

  • Jmwh

    Gary, is this article really stil worth top billing?