Smartphone companies, such as Apple®, Google®, and Samsung®, have made it easier for consumers to pay in a quick and secure way with their mobile pay solutions. Our members can take advantage of these payment options by entering the information for their PSECU debit or credit cards into their phone’s “wallet.”
If you’re not familiar with mobile pay in general, it’s a tool engineered by smartphone developers to allow consumers to make payments, using their existing credit and debit cards, with a smartphone or other compatible device, such as a smart watch.
When you pay using a mobile device, you don’t have to take your physical card from your wallet and insert it into the point-of-sale device. This keeps your card information secure from devices that may have unknowingly been tampered with and also makes for a quick transaction. Depending on the specific device you use, you may be able to skip entering a PIN, as well, and instead secure the transaction by placing your fingerprint on your phone’s screen.
While not all retailers have point-of-sale devices that allow for mobile payments, an increasing amount do. You can generally identify whether a retailer accepts mobile payments by looking for Apple Pay®, Google Pay®, or Samsung Pay® icons on the device or by checking for a contactless pay symbol.
Yes – in fact, in some circumstances, it can be more secure to use mobile pay, as you won’t have to use your physical card to make a payment or enter a PIN.
Additionally, mobile pay provides the same fraud protection as your physical card.
The exact steps to use mobile pay will depend on your device. Please refer to the above-referenced support links for exact instructions for your phone.
This will depend on your device and the online retailer you’re looking to purchase from. There are, however, many apps and stores that accept mobile pay when shopping online. This keeps you from manually entering your card number and other secure information on a website.
If your card is misplaced, you can temporarily lock it in digital banking. If your card is lost or stolen, contact us at 800.237.7328 as soon as possible. Once you receive your replacement card, you can add your new card number to your mobile wallet.
It’s highly recommended that you enable a lock feature for access to your phone when you have sensitive information stored on it. If your device is lost or stolen, use your phone’s “Find My Device” feature to quickly suspend or remove your digital account numbers for the respective device. Once you receive your replacement device, you can add your card back into the mobile wallet.
For any new or replacement cards, you will go through the initial setup of providing the basic payments details to add the card. For a card renewal, the new expiration date will be automatically provided from Visa® seamlessly, with no action required by you.
Some merchants have their hardware in the stores setup to attempt to route transactions through the debit networks. If prompted for a PIN when using the mobile payment solutions, the member should select the key on the terminal necessary to switch the transaction over and use credit.
Start Using Mobile Pay Today
For a streamlined checkout process, set up your PSECU debit or credit card(s) to be used with mobile pay on your smartphone or other compatible device.
Apple, the Apple logo, Apple Pay, iPhone, iPad, Apple Watch, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Android, Google Pay, and the Android logo are trademarks of Google Inc.
©2017 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Gear, Galaxy S, and Gear S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Samsung Pay is available on select Samsung devices.