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 device do I need to use mobile wallets?

Apple Pay works on iPhones, iPads, and MACs that have Touch ID or Face ID. You can also use Apple Pay on all Apple Watches. For more information, please visit https://support.apple.com/en-us/HT201469.

Google Pay is the combination of Google Wallet and Android Pay and can be used on iOS and Android devices. For more information visit https://pay.google.com/about/.

Samsung Pay works on the latest Samsung devices. Please go https://www.samsung.com/us/samsung-pay/ for more information.

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.

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.

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Since 1940 our goal remains the same; to help Dominion Energy employees save more and reach their goals faster. From checking and mobile banking, to low interest auto loans and surcharge-free ATMs, we make banking easy.

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