Mobile wallets are game changers. When you free yourself from relying on your physical credit and debit cards, you can take advantage of all the benefits mobile wallets offer. Let’s take a look, starting with an explanation of how a mobile wallet works.
A mobile wallet (sometimes called digital wallet) is an app you download to your smartphone that lets you store and use credit and debit cards digitally. Instead of pulling out your physical card, you can pay with your phone or smartwatch, whether you’re checking out in-store or shopping online.
Popular mobile wallets include Apple Pay®, Google Pay™, and Samsung Pay®.
Once your card is added to your mobile wallet, paying is a breeze, just tap your device at any checkout with the contactless payment icon or select your mobile wallet when shopping online.
New to mobile wallet? Getting started is easier than ever. With Tap to Add, you can add your PSECU debit card, Classic Card or Founder’s Rewards Card in seconds, without having to snap a photo or manually enter in your card information.
To add your PSECU card, open your mobile wallet and follow the on-screen prompts to add a new card. When asked, simply tap your physical PSECU card to your phone to complete the setup. Your phone will guide you through the process, including any verification steps. It’s a quicker, easier way to set things up.
Tap to Add is available on supported devices running Apple iOS 18.0 or higher or Android 9.0 or higher.
Prefer another option? You can also add your card directly from digital banking with a few clicks. Simply log into your account online or in the PSECU mobile app, navigate to Cards (Manage Cards in the mobile app), and follow the prompts to complete the setup with Apple Pay®, Google Pay™, or Samsung Pay®.
Mobile wallet payments don’t reveal your credit or debit card numbers. Instead, transactions are encrypted, tokenized, or both, which means the transaction data is useless to a hacker.
No swiping or inserting your card. No touching a PIN pad. Just tap your phone or smartwatch at checkout and go. Yes, it’s that simple.
Don’t worry about fumbling through your wallet for a card. Keep things moving through checkout with just a tap to save time and make your everyday purchases faster and easier.
Your mobile wallet can store more than just one card. You can add multiple debit cards, credit cards, gift cards, even event tickets or transit cards, and choose which to use right from your phone. It keeps everything organized without carrying a full physical wallet.
No matter which PSECU card you use, adding it to your mobile wallet makes everyday spending easier. Our Classic Card is a smart choice for everyday purchases, with a low purchase APR1 that’s nearly half the national average2. And if you’re using the Founder’s Rewards Card, every tap can help you earn cash rewards on purchases3 you’re already making.
Apple Pay® Google Pay™ Samsung Pay®: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android Pay, Google Pay, and the Google Play logo are trademarks of Google Inc. Samsung Pay is a trademark of Samsung Electronics Co. Ltd.
1 APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions. https://www.psecu.com/-/media/files/pdf/credit-services/3907.pdf
2 Visit https://www.lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america to see today’s latest rates.
3 Some exclusions may apply. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.