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Pay using your smartphone or watch

Adding your Numerica Visa to your mobile wallet is safe and secure

Sure, the plastic version of your Numerica Visa® debit or credit card fits nicely in your wallet, but did you know it can be stored in your phone as well? You could even add it to your wrist to pay with devices like the Apple Watch.

This simple, secure method of paying with your card is referred to as Mobile Pay. By adding a card to your mobile wallet (also called a digital wallet), you can pay with your smartphone or device using Samsung Pay™, Google Pay™, or Apple Pay™, among others.

Getting started with a mobile wallet

Setting up your mobile wallet is quick and easy. As with all technology, it’s wise to review the pros and cons for your situation. As the first local credit union to introduce the technology in the region, we’re well-versed in helping you evaluate whether this is a good solution for you.

Pros of mobile wallet


Using your mobile wallet means you are touching shared surfaces less (think PIN pads, pens, and card readers). It also means less shared transactions such as exchanging cash.

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 transmitted.


Paying is just a touch away. No more fumbling with your wallet and looking for the right card.

Convenient mobile shopping

Many apps and devices 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, Fitbit, or Garmin.

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.

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October 15, 2021

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