Digital Wallet

Your digital wallet is protected by your mobile device’s security settings, so only you can unlock it with your biometrics and passcodes.  Your actual card number is not stored in your digital wallet and never used when you make a purchase.  A separate token account number is assigned when you load your credentials to the wallet.  Payment codes are unique to every transaction, so they can’t be reused by a fraudster for another purchase.  This transaction information is encrypted for secure shopping.

The process for completing transactions using a digital wallet varies depending on the wallet enabled-device you are using, and the specific wallet used.  The general process includes these steps:

To make a purchase in-store at a terminal that accepts your digital wallet for payment, hold your device near the terminal. You will be required to authenticate yourself with your fingerprint, facial recognition, a passcode or PIN, depending on your device. Once authenticated, the transaction will take just a second to process and will notify you when it has been completed (notification may be through a noise, a graphic on the screen, device vibration, etc).  

When making a purchase in an app that offers digital wallets as a payment option, locate the digital wallet icon at checkout. After clicking the icon, you will have the option to select a different card, shipping address and contact information. The total charge amount will also be displayed.  If all the information looks correct and you want to finalize the transaction, complete the transaction by authenticating yourself with your fingerprint, facial recognition, password or PIN, depending on how authentication is set up on your device.