Apple Pay, Samsung Pay, and Google Pay are mobile payment services that let users make purchases with just their phone. They enable secure, card-free payments through the combined use of new and existing technologies.
When you enter your card data into Apple Pay, Google Pay, or Samsung Pay, your card number is translated into a 16-digit “token” in a process called tokenization. This token is a unique number that can’t be transferred to or used by another device. Your phone stores and transmits only the token to the merchant’s point-of-sale terminal, and the token can be decoded only by the card processor. This protects your real card number by leaving it out of the transaction entirely. In addition, your phone may rely on biometric authentication (your fingerprint) or a PIN, so only you can initiate a payment with your device.
To make payments using mobile wallets like Apple Pay, Samsung Pay, or Google Pay, you’ll need a mobile device capable of supporting that particular technology. You’ll also need to have, and load into the mobile wallet, a credit or debit card from a participating financial institution. Check with your mobile device manufacturer for details on supported devices and institutions.
You can use mobile wallet services at a growing number of merchants, and even in some apps. Look for the contactless and mobile wallet logos, or visit your mobile wallet’s website for a complete list of merchants.
Mobile wallets are typically free for consumers.
Yes. SELCO debit and credit cards work with Apple Pay, Google Pay, and Samsung Pay mobile wallets. We’ll add other mobile wallet services as needed. To see if your phone or device is mobile wallet ready, please check with your manufacturer.
Yes. We continuously monitor emerging card enhancement technologies and work to ensure our cards have the latest security and convenience features. We also provide SELCO Card Manager, a free mobile app that puts you in complete control of when, where, and how your SELCO credit and debit cards are used. With SELCO Card Manager, you can instantly turn your card off or on, limit use by location or merchant type, create spending alerts, and more—all from your phone.