mobile payments

secure purchases from your smart phone or smart watch

mobile pay

Mobile Pay lets you make secure purchases with your smartphone or smartwatch, without carrying cash or cards. By linking your debit card to services like Apple Pay®, Google Pay™, you can pay quickly at checkout with just a tap. It’s fast, safe, and convenient—your card details stay protected, and you can shop in-store, online, or in-app wherever mobile payments are accepted.

Google Pay Features

  • Make contactless payments in stores using your Android device.

  • Pay online and in apps without entering card details.

  • Store debit cards, credit cards, loyalty cards, and gift cards in one place.

  • Send and receive money with friends and family (U.S. availability).

  • Use built-in security with device authentication and encryption.

  • Track spending and view recent transactions.

Apple Pay Features

  • Tap to pay in stores using iPhone or Apple Watch.

  • Pay easily online or in apps without typing payment info.

  • Store debit cards, credit cards, transit passes, and loyalty cards in your Apple Wallet.

  • Send and receive money with Apple Cash (U.S. availability).

  • Benefit from Face ID, Touch ID, and device-specific security.

  • View transaction history in Wallet for easy tracking.

How to Set Up and Use Apple Pay

  1. Check Your Device: Make sure you have an iPhone 6 or later, iPad, Apple Watch, or Mac that supports Apple Pay.

  2. Open the Wallet App: Find and open the Wallet app on your device.

  3. Add a Card: Tap the “+” button, then follow the prompts to add your debit or credit card. You can use your camera to capture your card info or enter it manually.

  4. Verify Your Card: Your bank may ask you to verify your card via text, email, or phone call. Once you sign up for the Digital Wallet you can expect to receive an email from SHAZAM and/or a phone call from Perennial Bank.

  5. Start Using Apple Pay:

    • In stores: Hold your iPhone or Apple Watch near the contactless reader with your finger on Touch ID or using Face ID.

    • Online or in apps: Choose Apple Pay at checkout and confirm payment with Face ID, Touch ID, or your passcode.

  6. Manage Your Cards: You can add, remove, or view your cards anytime in the Wallet app.

How to Set Up and Use Google Pay

  1. Check Your Device: Make sure you have an Android phone running Lollipop (5.0) or higher with NFC capability.

  2. Download Google Pay: Open the Google Play Store, search for Google Pay, and download the app.

  3. Open the App and Sign In: Use your Google account to log in.

  4. Add a Card: Tap “Add a card” and follow the instructions to enter your debit or credit card details.

  5. Verify Your Card: Your bank may require verification via text, email, or call. Once you sign up for the Digital Wallet you can expect to receive an email from SHAZAM and/or a phone call from Perennial Bank.

  6. Start Using Google Pay:

    • In stores: Unlock your phone and hold it near the contactless payment terminal.

    • Online or in apps: Select Google Pay as your payment method at checkout.

  7. Manage Your Cards: Add, remove, or update cards anytime in the Google Pay app.

 

Are Mobile Payments Safe?

Mobile payments like Apple Pay and Google Pay are among the safest ways to pay. They use encryption and tokenization to keep your card details private, and every transaction is authorized with Face ID, Touch ID, or your device passcode. Mobile payments use a unique digital code instead of your actual card number. This significantly reduces the risk of your information being stolen in a merchant data breach or by card skimmers. Plus, real-time monitoring and alerts help you spot any suspicious activity immediately, giving you peace of mind with every purchase.

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