How To Make Payments With Your Phone | Bankrate
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How To Make Payments With Your Phone | Bankrate

Mobile wallets have been around for a while, but they aren’t always easy to understand (although they are very easy to use).

When you swipe, tap, or insert your credit card into a standard credit card terminal, the card reader collects the information stored on your credit card and uses it to complete the transaction. Paying with your phone works the same way, only the credit card information is stored in a phone app instead of a piece of plastic.

Reading: How to connect card to phone

Are mobile wallets safe?

yes, storing a credit card on your phone is safe. in fact, it is one of the safest ways to pay. phone payment apps use the same security technology as contactless credit cards (the kind you tap instead of swipe), and phone payment transactions use tokenization to mask your real credit card number during the transaction and protect your card information from being stolen.

Mobile wallets also allow you to add multiple credit cards to your phone, which is good for people who want to maximize their credit card rewards by using different cards at different retailers. You can even use contactless payments on some bus and subway systems. just touch the turnstile with your smartphone and your phone’s credit card will take care of the rest.

But what do you need to do before you’re ready to make credit card payments with your phone?

Here’s a step-by-step guide to three of the most popular mobile wallet apps: Apple Pay, Google Pay, and Samsung Pay.

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apple payment

if you’re an iphone user, here’s how to use apple pay:

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first, you need to add your credit cards to apple pay. open the wallet app on your iphone, tap the plus sign and follow the instructions to add a new credit card to the wallet.

Once you’ve added the card, your bank or card issuer will verify the card. From there, you can start using the verified credit card on Apple Pay.

first, unlock your iphone.

  • if you have a newer iphone that has face id, double click the side button. You will then be prompted to authenticate via Face ID or enter your passcode.
  • If your iPhone has Touch ID, place your finger on the sensor.

then select the card you’d like to use (you can choose a default card during setup) and hold your unlocked phone over the contactless credit card reader. once the payment is done, you will see a “done” icon on your phone screen.

paying with your apple watch

You can also pay with your apple watch. If you’ve completed the apple pay setup process on your phone and have your watch connected to your phone, it’s simple.

just double click the side button of your watch. your default card will appear first, but you can scroll down and choose another card. When you’ve selected the correct card, simply hold your watch close to the reader. you will feel a touch when the payment is completed.

google pay

if you have an android phone and want to use google pay, start by adding at least one credit card to the google pay app. use the app to take a photo of your credit card or enter the information manually. Let your bank or credit card issuer verify your card and you’re ready to start making payments.

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To make Google Pay payments from your phone, simply unlock your phone and hold it over the contactless credit card reader. if a blue checkmark appears, your payment is complete.

google pay allows you to set a default credit card to use when making payments. If you want to pay with a different card, open your Google Pay app and swipe through the available cards until you find the one you want to use. then hold your phone over the credit card reader to make the payment.

samsung payment

if you have a samsung phone, you will want to set up samsung pay. The app comes pre-installed on most Samsung phones. Open the app, tap “start” and create a unique pin. then follow the instructions to add credit cards to samsung pay.

Once your credit cards are set up within the app, you can start using Samsung Pay to make credit card phone payments. First, open the Samsung Pay app on your phone. Confirm your identity by entering your PIN, letting Samsung scan your iris, or placing your thumb or finger on your phone’s fingerprint scanner. then hold your phone over the contactless card reader and the payment will process automatically.

Samsung Pay’s Favorite Cards feature makes it easy to switch between credit cards before making payments over the phone. simply swipe up from the bottom of your phone screen to access your favorite cards and choose the card you’d like to use for your next samsung pay purchase.

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the end result

Knowing how to use your credit card on your phone can make shopping more convenient and keep you from having to touch the card terminal.

Instead of having to pull a credit card out of your wallet, you can simply unlock your phone and hold it over the contactless credit card reader. Look for your mobile wallet logo or a contactless symbol (which looks like a Wi-Fi signal turned on its side) on the card reader to verify that it can accept mobile payments.

These mobile wallet apps also work for online purchases with many retailers, making online shopping almost seamless. Paying with a credit card over the phone is easy to set up and just as secure as a traditional credit card transaction. why not try your mobile wallet next time you make a purchase?

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