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Will COVID-19 open your mobile wallet?

Mask-wearing isn’t the only change COVID-19 has brought shoppers. Paying with cash — even signing credit card receipts — has become taboo at many businesses.

Mobile payment, including using mobile or digital wallet, has been on the rise over the last few months. Protecting yourself and others from infection is the latest consideration causing consumers to consider mobile wallets. Using your mobile wallet means touching shared surfaces less — PIN pads, pens, etc. It also means less shared transactions — like handing over cash.

Setting up your mobile wallet is quick and easy! Your mobile wallet, also called a digital wallet, is a safe and secure way to pay with your Numerica Visa® debit or credit card. This form of mobile payment lets you pay with your phone by using Samsung Pay™Google Pay™ or Apple Pay™.

Getting started with a mobile wallet

Numerica was on the front end of the mobile wallet movement as the first local credit union to introduce the technology a few years ago. As trailblazers, we’ve become well-versed in the pros and cons of this way to pay.

Pros of mobile wallet


Avoid germs with a transaction that is both cashless and minimizes the need to touch shared surfaces.

Safe and secure

Each transaction uses a one-time, unique virtual validation that’s different than your actual card number. The system utilizes secure, token-based authentication, which means your sensitive financial information is not shared over the airwaves.


Paying is just a touch away. On qualifying smartphones, add your Numerica debit or credit card to your mobile wallet. No more fumbling with your wallet and looking for the right card.

Convenient mobile shopping

Many apps integrate with your mobile wallet for secure, convenient transactions.

Cons of mobile wallet

Only smart devices

Google Pay, Samsung Pay, and Apple Pay are only available if you have a smartphone or an associated device, such as Apple Watch.

Dependent on the store

Some stores may not accept mobile pay yet.

How to set up your mobile wallet

  1. Open your phone’s wallet feature. If you are on your mobile device, you can choose which type of device you have and get more information. Apple PaySamsung Pay, and Google Pay. Select “add card” to add your Numerica Visa debit or credit card.
  2. Verify your identity. You may be asked to call, text, or email as a security step to make sure it’s really you.
  3. Presto! Now you can use your mobile device to pay in store or online.

How to use mobile pay (Apple Pay, Samsung Pay, Google Pay) at the store

When you’re at a store that accepts mobile pay, hold your device over the payment reader. Whether you’re using the latest smartphone or an enabled accessory like an Apple Watch, there will be an authentication step such as facial recognition, a fingerprint, or a passcode for added security.

Questions? Numerica Credit Union’s E-Services understands the mobile wallet inside and out. Give us a call at 800.255.9194 or stop by your favorite Numerica branch location.

Today's Rates

October 1, 2020

Home Equity Line of Credit

as low as 3.50% APR


as high as 1.00% APY

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Auto/Truck (New/Used)

as low as 1.99% APR

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1.05% APY