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Digital Wallet Overview
Have you ever lost your wallet and worried about fraudulent charges being made with your debit or credit cards? That worry disappears when you eliminate your physical wallet and instead use a digital wallet, also known as an e-wallet. Digital wallets use encryption software to store all of your payment information securely and compactly on apps in your smartphone. Even if your phone is lost or stolen, a passcode or biometric authentication would still be needed to get access to the information in a digital wallet. Digital wallet is a safer way to pay.
In addition to increased security of your financial information, digital wallet also eliminates the need to carry cash, cards or checks. A simple tap or wave of your phone to a compatible checkout register enables you to pay instantly. Learn more about how to set up your digital wallet using Apple Pay®, Google Pay® or Samsung Pay®.
To enroll in Apple Pay, you’ll need:
iPhone® 6, iPhone 6 Plus or later, or iPhone 5 with an Apple Watch® (Apple Pay in stores and within apps)
United States or United Kingdom as your selected region
Touch ID™ or passcode on your device
An Apple ID signed in to iCloud®
To add your Altabank Visa® debit card to Apple Pay, use your iSight® camera to instantly capture your card information, or simply enter it manually. You can also add your debit card from your iTunes® account to Apple Pay. Add the debit card from your iTunes account to the Wallet app by entering the card security code.
For Apple Watch, open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay,” and then tap “Add Credit or Debit Card.” Then, just look for the Apple Pay logo on the terminal or on the purchase pages of the website. Your device may ask you to call the bank to complete your enrollment.
Apple Pay uses near-field communication (NFC), which is difficult to eavesdrop on, and debit and credit card numbers are not shared with merchants, lessening the risk of fraud using those numbers. Although fraudsters are always looking for new ways to exploit, we are also constantly looking for new and improved ways to protect our customers.
To enroll in Google Pay, you’ll need:
Select the Google Pay icon, and log in with your Google account information. Once logged in, select “Add Card” in the Google Pay app. Center the card in the on-screen window to capture your information, or you can enter the card number manually. Verify or enter the additional information such as Cardholder Name, Expiration Date, and Security Code (CVV). Read and accept the terms and conditions for adding a card to a digital wallet by touching “Agree to All.” You may be prompted to select a delivery method for receiving a onetime passcode or your device may ask you to call the bank to complete your enrollment. Your card is now ready for use in the Google Pay app.
To enroll in Samsung Pay, you’ll need:
Samsung Galaxy S6® or newer, or the Samsung Note 5 or newer
Update your device with the latest operating system update
Samsung Pay will be a preloaded app on upcoming Samsung devices
Choose the Samsung Pay icon and log in using your Samsung account information. If you do not already have a Samsung account, you can create one. Once logged in you can, touch “ADD CARD” in the Samsung Pay app to begin the process of adding your card. Center the card in the on-screen window and Samsung Pay will read the card number, or you can enter the card number manually.
Verify or enter the additional information such as the Cardholder Name, Expiration Date and Security Code (CVV). Accept the Terms and Conditions for adding a card to Samsung Pay by touching “AGREE TO ALL.” You may be prompted to select a delivery method for receiving a onetime passcode or your device may ask you to call the bank to complete the enrollment. Once complete, your card is ready for use in the Samsung Pay app.
Once your eligible Altabank card is registered to Samsung Pay®, you may activate the Simple Pay feature of Samsung Pay® by swiping your screen from the bottom, just above the Home key, towards the top of the screen. The most recently added or used card is displayed. Swipe left or right to scroll through your registered payment cards.
When you have the desired card selected, place your finger on the Home key to verify your fingerprint or touch ENTER PIN to enter your Samsung Pay PIN. Samsung Pay will indicate that you are ready to make a payment.
Samsung Pay uses near-field communication (NFC), which is difficult to eavesdrop on, and debit and credit card numbers are not shared with merchants, lessening the risk of fraud using those numbers. Although fraudsters are always looking for new ways to exploit, we are also constantly looking for new and improved ways to protect our customers.
Samsung Pay also uses magnetic secure transmission (MST), which sends a magnetic signal from a compatible device to the payment terminal’s card reader (to emulate swiping a physical payment card). MST payments do not require the merchant to upgrade the payment terminal beyond software updates, so Samsung Pay claims it is available for use at nearly all payment terminals with a card reader.
Both technologies use a unique digital card number in place of your actual payment card’s number. Your information is kept private and secure from the retailer, and only your bank and the card’s payment network will have certain information on the transaction.
Apple, the Apple logo, Apple Pay, iPhone, Touch ID, Apple Watch, iCloud, iTunes and iSight are trademarks or service marks of Apple Inc.
Android and Google Pay are federally registered trademarks of Google LLC.
Samsung, Samsung Pay, and Samsung Galaxy S6 are registered trademarks of Samsung Electronics Co.
Visa®, the name Visa and VISA (stylized) are federally registered trademarks of Visa.