A mobile wallet is a game changer. When you free yourself from relying on your physical debit and credit cards, you can take advantage of a faster, more secure way to pay.
A mobile wallet (also called digital wallet) is an app that securely stores payment information from your PSECU debit and credit cards so that you can tap to pay in person and pay for online purchases without entering your card information. Depending on your device, your preferred wallet app may already be installed or may need to be downloaded.
In this post, we’re focusing on the top five reasons you should set up your mobile wallet. When doing so, please refer to your device’s Apple Pay®, Google Pay™ or Samsung Pay® support pages for instructions, or quickly add your cards through our mobile app:
Once your cards are added to your mobile wallet, you won’t always need to carry the physical cards with you. That means fewer chances of losing your card or wallet or having your card information fall into the wrong hands.
Many major retailers and small businesses accept tap to pay - just look for the contactless-payment symbol at checkout. Acceptance can vary, so you may still want to keep your physical card available as a backup.
Mobile wallet payments don’t reveal your debit or credit card numbers to the merchant. Instead, transactions are encrypted, tokenized, or both, which means the transaction data is useless to a hacker. This keeps your card details safe and explains why you may see a different number on your receipt or transaction history.
That different number generally won’t prevent you from making a return. Refunds are typically sent back to the card used for the purchase, so depending on the retailer, you may be asked to tap the same device or provide the last four digits of the digital card number found in your wallet app.
At participating retailers, mobile wallet can help you move through checkout without digging through your wallet for the right card. Simply authenticate your device, hold it near the contactless reader, and follow the prompts. With just a few taps, your transactions will be completed, and you’ll be on your way.
When the retailer allows it, paying with your mobile wallet saves you from typing in your card number and shipping information. Not only that, but if you don’t enter your number at that retailer’s site, that’s one less place it’s stored.
Some mobile wallet apps offer promotions or discounts to encourage use. And when you pair your mobile wallet with the right card, you can make everyday purchases even more rewarding.
Tap to pay with a card featuring a super low 9.9% purchase APR1. New Classic Cardholders can also get 0% Intro APR2 for up to 12 months on purchases made during the first three months. The card must be opened, and first purchase must be posted, by September 30, 2026.
Fun fact: Classic Card’s 9.9% purchase APR could save you hundreds on interest in just a few months3!
Make purchases even more rewarding with 2% or 1.5% cash rewards on every purchase4.
Fun fact: In 2025, active Founder’s Rewards Card users earned an average of $382.75 in rewards!
Mobile wallet is a simple way to make everyday payments faster, safer, and more convenient. When paired with our digital banking tools, it gives you greater control over how – and how often – you use your cards.
Whether paying in-store, online, or on the go, mobile wallet helps make managing your money just a little easier.
Apple®, the Apple logo, App Store® and Apple Pay® are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay™, Google Play logo, and Google Play™ store are trademarks of Google Inc. Samsung Pay® is a trademark of Samsung Electronics Co. Ltd.
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3 The average APR on credit card accounts carrying a balance was approximately 21% in February 2026 (Federal Reserve). The average credit card balance was approximately $6,768 in 2025 (Experian). Based on a simple annual interest comparison using these figures, a 9.90% APR could reduce annual interest costs by up to hundreds over time. Illustrative example only. Actual savings may vary.
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