Digital Wallets

Digital Wallets: A Convenient and Secure

Way to Pay

Your Wallet, Wherever You Go

Make everyday purchases easier with Digital Wallets from Southwest Montana Community Federal Credit Union! Enjoy the convenience of paying with your compatible smartphone, smartwatch, or other supported device with Apple Pay, Google Pay and Samsung Wallet. Whether you are shopping in town, grabbing a cup of coffee, or making an online purchase, digital wallets provide a simple and convenient way to pay without reaching for your physical card.

Digital wallets allow you to securely store your SMCFCU debit or credit card information on a compatible device, giving you the flexibility to make purchases wherever digital wallet payments are accepted. It is a convenient way to keep your cards close at hand while enjoying a quick and easy checkout experience.

What Is a Digital Wallet?

A digital wallet is an electronic version of your traditional wallet that allows you to store payment card information on your compatible mobile device. Instead of swiping, inserting, or manually entering your card information, you can use your device to complete a payment.

Digital wallets are designed to make paying easier while adding security features to help protect your payment information. Many digital wallet services use device authentication, such as a passcode, fingerprint, or facial recognition, along with secure payment technology.

With a digital wallet, you can enjoy the convenience of modern payments while continuing to use your SMCFCU debit or credit card.

Benefits of Using a Digital Wallet

Digital wallets offer several advantages that can make everyday banking and shopping more convenient.

Convenient Payments

Leave your physical wallet in your pocket or purse. Simply use your compatible smartphone or smartwatch to make a payment at participating merchants.

A Simple Checkout Experience

Digital wallets can make checkout faster and easier. For in-store purchases, look for the contactless payment symbol at the terminal. For online shopping, select your digital wallet as a payment option when available.

Added Security

Digital wallets use security features designed to help protect your payment information. Many services require your device to be unlocked or authenticated before a payment can be made. Digital wallet transactions may also use a unique payment token instead of sharing your actual card number with the merchant.

Shop Online with Ease

When shopping through supported websites or apps, you may be able to select your digital wallet to complete your purchase without manually entering your card details.

Keep Your Cards Close

Your digital wallet allows you to access your eligible SMCFCU card through a compatible device, making it easier to pay while you are on the go.

How to Get Started

Adding your SMCFCU debit or credit card to a digital wallet is easy. The setup process may vary depending on your device and the digital wallet service you use.

  1. Open the digital wallet app on your compatible smartphone or device.

  2. Select the option to add a payment card.

  3. Follow the prompts to enter or scan your SMCFCU debit or credit card information.

  4. Complete any required verification steps.

  5. Once your card has been successfully added, you are ready to use your digital wallet at participating merchants.

Please note that your device, card, and digital wallet service must be compatible. Additional verification may be required before your card can be activated.

How to Make a Digital Wallet Payment

In-Store Purchases

When shopping at a merchant that accepts contactless payments:

  • Look for the contactless payment symbol on the payment terminal.

  • Open your digital wallet or follow your device's payment instructions.

  • Authenticate your payment if required.

  • Hold your device near the contactless reader.

  • Wait for the payment confirmation before completing your purchase.

Online and In-App Purchases

When making an online purchase or shopping through a compatible app:

  • Select your preferred digital wallet at checkout.

  • Review your payment information and purchase details.

  • Confirm your payment using your device's security features.

  • Complete your purchase.

Digital wallet availability may vary by merchant, website, and device.

Your Security Matters

At Southwest Montana Community Federal Credit Union, protecting our members and their financial information is important to us. Digital wallets offer security features designed to help safeguard your payment information.

Depending on the digital wallet service, these features may include:

  • Device authentication through a passcode, fingerprint, or facial recognition.

  • Secure payment technology that helps protect your actual card number.

  • Device-specific payment credentials used for eligible transactions.

  • The ability to manage or remove payment cards through your digital wallet settings.

While digital wallets provide additional security features, it is still important to protect your device. Keep your device's operating system updated, use a strong passcode, and never share your device authentication information with others.

If your smartphone or device is lost or stolen, contact your digital wallet provider to learn how to suspend or remove your payment cards. You should also contact Southwest Montana Community Federal Credit Union if you believe your debit or credit card information may be compromised.