Mobile Wallet

What are mobile wallets?

Mobile wallets are a form of contactless, secure payments on devices using an NFC-enabled smartphone.

What kind of phone do I need to use mobile wallets?

Google Wallet's Tap and Pay works on Android devices running 4.4 (KitKat) or higher on any carrier network. Not all devices running KitKat will support Tap and Pay. For the most up-to-date information, visit

Apply Pay works on Apple devices operating with iOS 8.1 or later. For the most up-to-date information, visit

Android Pay works on all Android smartphones and tablets with KitKat 4.4+. For the most up-to-date information, visit

Samsung Pay works on Samsung Galaxy S6® and S6 Edge® devices  and Samsung Galaxy Note® 5 with Android Lollipop+. For the most up-to-date information, visit

How do I activate Mobile Wallets?

Google Wallet:

  1. Go to your phone’s “Settings” and touch “More settings.”
  2. Make sure NFC is turned “On.”
  3. Go back to Settings and check for a “Tap and Pay” option in the menu. If there is one, you can start adding cards to your Google Wallet.

Apple Pay:

  • Add cards on iPhone 6 or newer within the Wallet app. Just tap the plus sign and follow the onscreen instructions, OR:
  • On iPad Air 2 or newer and iPad mini 3 or newer, start by opening Settings, tap "Passbook & Apple Pay", then tap "Add Credit or Debit Card".
  • For Apple Watches, please add your card using the steps above. You will then be promoted to add it to your watch.

Android Pay:

  1. Download the Android Pay app from Google Play
  2. Add your credit or debit card by taking a picture and confirming the details

Samsung Pay:

  1. Download the Samsung Pay app from Google Play
  2. Follow the prompts to link your Samsung Pay account and set up touch identification or a PIN
  3. Touch “Add a credit or debit card” and follow the prompts to take a picture and confirm your card details

How do I use mobile wallets?

Look for the Tap and Pay, Apple Pay, or contactless icons when you check out at a store. Check with the vendor to make sure the terminal is enabled for contactless payments. Hold your phone to the contactless reader.

For Google Wallet, select the card you want to use.

For Apple Pay, keep your finger on Touch ID without pressing it. If you want to pay with a card other than your default card, don't put your finger on Touch ID, wait for the card image to appear, and then tap it to pull up your list of cards.

Are mobile wallets secure?

Yes—more secure than magnetic stripes! It replaces actual data on the physical card (i.e. the credit card number) with “virtual data,” or a secure token from VISA®. Even if hackers steal tokens, they will not be able to obtain other data associated with your card. The information is useless without your device and the device’s secure log-in information (i.e. your phone’s PIN). If a large retailer’s database is hacked, this principle still applies: the token will be useless without the phone and its user. 

You only have to enter your card once when using Android Pay or Android Pay. Aside from that, your card number is not stored anywhere on the phone, but rather replaced by a non-sensitive “token” that is used to transact.

What is the difference between Google Wallet and Android Pay?

Google Wallet has become exclusive to person-to-person (P2P) payments whereas Android Pay can be used for consumers who wish to make in-store and online purchases.

Can I load the same card on two phones?


How do you set a default card?

Apple Pay:

  1. Launch the Settings app on your iPhone or iPad that's compatible with Apple Pay.
  2. Tap on Passbook & Apple Pay.
  3. Tap on Default Card.
  4. Tap on the card you want to use as your default.

Android Pay:

  1. Open the Android Pay app.
  2. If you have multiple Google Accounts in Android Pay: At the top left, touch your name, then choose an account.
  3. Double tap a card, then touch Set as default card.
  4. Or touch and drag a card to the "Default card" spot at the top of the app's Home screen.

Samsung Pay:

The last-used card will always appear. Tap to select a different card.

What happens if my phone is lost or stolen?

Every mobile wallet secures your card information by encryption or protected code. Mobile wallets are also protected by phone passcodes, PIN before purchase options, and the ability to disable the app remotely. Set up biometric identification, a PIN, or other authentication method to control access to the app.

If someone stole your phone, that person would need your phone’s password (or biometric identification, PIN, etc.) before s/he could make a payment. Your phone’s password is independent of the mobile wallet and in addition to the authentication required for mobile payments.

If your phone is lost or stolen, each mobile payment solution can be shut down remotely.

  • Apple Pay: Use the Find My iPhone app on another Apple device or sign in to to find your device and turn on Lost Mode, which suspends Apple Pay payments.
  • Android Pay: Use Android Device Manager to lock your device from anywhere, set up a new password, or erase your phone’s personal information.
  • Google Wallet: Use to remove access to your account on the lost device from anywhere.
  • Samsung Pay: Use the Samsung Find My Mobile service to remotely lock your device from anywhere, erase your payment cards in the Samsung Pay app, or erase your phone’s entire storage.

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