Digital Wallet

Apple Pay

Google Pay

Microsoft Wallet

Samsung Pay


Apple Pay® is a mobile payment and digital wallet service that lets you make payments using qualifying Apple® products (iPhone®, iPad®, Apple Watch®, etc.). Apple Pay allows users to make secure purchases in stores, in apps and online. Currently, Apple Pay is the only digital wallet using a secure element (SE) for tokenization storage, which is a chip embedded directly into the phone’s hardware. Users can securely pay through NFC or within apps. In-app transactions require only a user's approval via Touch ID®, greatly simplifying the typical online purchase experience.

Google Pay is a fast, free way to send money through the app, in Gmail, or on the web at You can send money to someone using just their email address or phone number — they don't need to have the Wallet app. Set a default payment method and any money that’s sent to you will be automatically transferred to that account. No need to manually cash out. Google Wallet comes with 24/7 fraud monitoring and covers 100% of all verified unauthorized transactions.

Microsoft® Wallet lets users make payments and store cards on qualifying Microsoft mobile devices. With Microsoft Wallet, you get convenience without the card. Simply tap your phone on a contactless payment terminal and your default card is charged. Microsoft Wallet uses host card emulation (HCE) for making in-store payments. This, plus the device PIN used to unlock the phone, makes paying with Microsoft Wallet a very secure way to pay.

Samsung Pay® is a mobile payment and digital wallet service offered by Samsung. Samsung Pay uses NFC and magnetic secure transmission (MST) for payments. MST is a huge convenience for cardholders. It works by sending a magnetic signal from a compatible device to the payment terminal’s card reader (to imitate swiping a physical payment card). MST payments don’t require the merchant to upgrade the payment terminal, making Samsung Pay available for use at nearly all payment terminals with a card reader.

Masterpass™ is a digital wallet from Mastercard® that simplifies the checkout process with one secure account. It works across multiple channels and on any device. Masterpass stores cards and shipping information so cardholders can shop from one account. Cardholders simply register on or through their financial institution and load their Mastercard debit card information.

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