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Digital Wallets

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Your Wallet Just Got Smarter

Meet the ease and security of digital wallets

A digital wallet makes everyday purchases quicker, easier, and more secure. It safely stores your payment information in your mobile device, like your DFCU debit Mastercard® and/or DFCU Platinum Mastercard® credit card. Think of it as a virtual version of your physical wallet. 

You still get the card benefits you know and use, plus the convenience of fast checkout and extra protection built into your device.
 

How it works 

When you pay with a digital wallet, your device uses secure technology called tokenization to complete the transaction. In many cases, you’ll also confirm the purchase with Face ID, your fingerprint, or a passcode—so paying stays simple without giving up security. 

 

Why more people are choosing digital wallets 

  • Safer: Protects your card number with secure tokenization instead of sharing your full card details with merchants during payment. 
  • Faster: Check out with confidence while still getting the speed and convenience of tap, click, or scan. 
  • Easier: Keep your eligible cards in one convenient place on your device. 
 

Easy set up 

If you already use your phone for just about everything, this is one more easy upgrade.

  • iPhone users: Add your eligible card to Apple Pay. 
  • ​Android users: Add your eligible card to Google Wallet and pay with Google Pay

Digital Wallets FAQ

What is a digital wallet?

A digital wallet is your wallet - but in digital form! Digital wallets allow you to make a purchase in a store, in an app or even on a website with a participating merchant without your physical DFCU Financial debit or credit card. Instead, you just need a compatible phone or wearable device.

What are the benefits of a digital wallet?

There are many benefits to making purchases with your DFCU Financial debit or dredit dard using your digital wallet, including:

- It's convenient – You don’t have to worry about having your card with you.

- It's fast – Transactions made with a digital wallet are almost instant instead of having to insert your card and waiting for the transaction to process.

- It's secure – During a transaction, tokenization is used where merchants are provided with a one-time password, or a token, rather than your card number, making it nearly impossible for a fraudster to steal your card information.

Is a digital wallet secure?

Yes. Digital wallets use security features that are built into your device to protect your transactions. Additionally, you will be required to authenticate yourself before each transaction can be processed. Depending on your device type, the authentication step may be completed using your fingerprint, facial recognition, passcode or a PIN. The digital wallet providers do not store or have access to your full account number. The last four digits of the card number will be displayed on your card image to help you manage your cards. When a transaction is made, tokenization is used. This is a unique one-time passcode, known as a token, sent to the merchant rather than your full account number, making it nearly impossible for your card information to be compromised.

What do I need to be able to use my DFCU Financial debit or credit card within a digital wallet?

You will need:

- An DFCU Financial debit or credit card

- A compatible device with a digital wallet app

- A data plan or access to Wi-Fi

Where can I use my digital wallet?

You may use your digital wallet at many different merchants such as grocery stores, department stores and restaurants. Digital wallets are also accepted in many apps and on participating websites with your computer, phone or tablet, depending on the compatibility of the devices.

Where are digital wallets accepted?

Many major retailers are already accepting digital wallets in-store, in-app and online. 

Can I opt out of a digital wallet?

Yes, you can easily remove your card, personal information and opt out anytime.

Learn more about Digital Wallets

Read our Frequently Asked Questions to learn about the benefits of using a digital wallet.

Digital Wallet FAQ

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