What are they?
Mobile Wallet Solutions include Apple Pay, Android Pay, and Samsung Pay. Within your smartphone, or other smart-device (such as a watch), you can add your card information to the device’s mobile wallet. Your card information is securely stored there and is used to pay at merchants that accept mobile wallet solutions.
Features & Security
Your card number isn’t stored in your device or sent to the merchant. Instead, a unique number is assigned to the purchase which protects you if a merchant you shopped at has been hacked. This also protects you in the event that your device is lost or stolen. If your device is stolen, you have the ability to wipe any information stored in the mobile wallet with Find My Phone or iCloud for Apple Pay, Android Device Manager for Android Pay, or Find My Mobile for Samsung Pay.
Card access is also protected by Touch ID on Apple Pay. Android devices are unlocked in Android Pay, and by fingerprint scanning or entering a PIN in Samsung Pay.
Mobile Wallet Solutions are just as secure as EMV (Enhanced Security Chip Cards). If a merchant doesn’t have chip-enabled technology, it is recommended that you use Mobile Wallet Solutions as they are more secure than swiping.
Another great feature is that Mobile Wallet Solutions are regularly faster for a transaction than an EMV card! And Mobile Wallet Solutions allow you to carry less with you since you won’t need your wallet to complete the transaction.
How to Use
Ask if the merchant accepts your mobile wallet solution. If the clerk isn’t certain, check the payment terminal for a sticker that says they do or activate your device to see if it accepts the payment.
When you are ready to make the payment for your transaction, hold your device over the payment terminal and:
For Apple Pay: Double tap the home button with your thumb. Then hold your thumb on the home button using Touch ID to complete the transaction.
For Android Pay: Unlock your phone and tap to use Android Pay.
For Samsung Pay: Swipe up from the home button and secure with your fingerprint.
When you use these solutions, your phone sends a signal to the payment terminal, completing the transaction.
Where to Use
The rate of acceptance for these solutions has nearly doubled since 2015. Many local merchants have recognized the convenience and security that Mobile Wallet Solutions afford to their patrons and offer these payment options. Here are just some of these local businesses:
- Ace Hardware
- American Eagle
- Babies R Us
- Big Lots
- Best Buy
- Dollar Tree
- Dunkin’ Donuts
- Foot Locker
- LL Bean
- Ocean State Job Lot
- Rite Aid
- Star Market
- Toys R Us
- Ulta Beauty
- Whole Foods
Enjoy the convenience and enhanced security of GSCU’s Mobile Wallet Solutions. Add your GSCU Visa® Debit Card to your device, visit any of the stores listed above, and try it out! Then be sure to let us know how your experience goes!