Mobile Wallet
Add your debit card to Apple Pay®, Google Pay™, and Samsung Pay® and use your mobile device at any participating merchant.
No cost to use (an active data plan is required and additional message/data charges may apply)
When you add your card, the account information is encrypted and is not stored in your device
How it works: Apple Pay and Digital Account Numbers
My new Apple device has Apple Pay. How do I set it up?
Before making a payment with your new Apple device you will need to follow a few simple steps to enroll in Apple Pay and add your existing credit or debit cards.
If your Visa card is already on-file with Apple (iTunes) and is eligible for the service, you will be offered an option to use it as your default account for Apple Pay. You have the option to add other accounts and will be prompted for a one-time entry of a few account details such as name, address, card number, expiration date, and the three digit card verification value that can be found on the back of your card. Beacon Credit Union, Visa, and Apple will work behind the scenes to create a digital version of your account and enable you to start making payments with Apple Pay.
What is a digital account number and why should I care?
Your payment card information, such as the 16-digit account number found on the front of your card, will be replaced with a digital account number that can be securely stored on Apple devices and used to make purchases. Your credit and debit card numbers are NOT stored on the device, or on Apple servers. This helps to reduce the potential for fraud.
The process is invisible to consumers and happens behind the scenes. It also helps to simplify checkout by eliminating the need to enter and re-enter your account number when buying items in mobile applications “in-app” or at the point-of-sale.
On which devices/phones/tablets/computers will this work?
At this time, Apple Pay will work with all Apple devices newer than an iPhone 6.
Apple is one of the first to make use of digital account numbers to enable secure mobile payments. In the future we expect digital account numbers to become available on any smart device, replacing your payment card numbers in digital wallets, at many e-commerce merchants, in mobile banking apps, and beyond.
Where can I use my digital account number in-store or online?
Digital account numbers can be used for purchases through participating merchant mobile applications on your new Apple devices, as well as on any device newer than an iPhone 6 at any merchant where contactless payments are accepted.
Who utilizes digital account numbers?
Digital account numbers are used by the merchants accepting your payment, the payment network that processes your transaction, Apple Pay, and the financial institution that issues your card.
Is the Apple Pay service available internationally?
Yes. Check the information here for a complete list.
Can I use Apple Pay to make contactless payments internationally?
Yes. Check the information here for a complete list.
Do I need to be connected to the internet?
For in-store contactless payments, you do not need to be connected to the internet.
Security and Data Privacy
What if my physical VISA card is lost or stolen?
Please contact Beacon Credit Union as soon as possible. Once you receive your replacement card you can add your new card to your mobile wallet.
Beacon Visa Debit Card
To report a lost or stolen Beacon Debit Card, call: (800) 762-3136
After business hours and weekends call: (800) 264-5578
Beacon Visa Credit Card
To report a lost or stolen card call: (800) 558-3424 Representatives available 24 hours a day, 7 days a week.
Beacon Business Visa Credit Card
To report a lost or stolen card call: (800) 552-8855 Representatives available 24 hours a day, 7 days a week.
What if my Apple device is lost or stolen?
If your Apple device is lost or stolen, use “Find My Apple Device” to quickly suspend or remove your digital account numbers for the respective device. You may also contact your financial institution who can perform the same action on your Visa card(s). Once you receive your new device simply add cards to your wallet. In the meantime, you can continue to use your physical card without interruption.
If I sell or give my Apple device to someone else, what will happen to the digital account information in the device?
When selling or giving away your Apple products you should make sure you delete all digital accounts in Apple Pay. Alternatively, you may reset your phone to factory settings which will also remove all digital accounts. If you forget to do this, contact your financial institution who can perform this action for you on your behalf.
If I lose my Apple device and someone starts using it to make purchases, am I liable for those purchases?
Whether you use a digital account number or a physical Visa card, you are protected with Visa zero liability against fraudulent transactions. Please contact your Beacon Credit Union for more information. Consider using TouchID or FaceID on your device to prevent others from using Apple Pay on your device.
Will I continue to earn loyalty or rewards benefits from my credit and debit cards?
It is expected that digital account numbers will not impact any loyalty or rewards programs you have with your financial institutions. Please contact your financial institution for information on loyalty and rewards programs.
What will it look like on my monthly/online statement?
Your statements will not change, they will look just like you used your physical VISA card.
What devices can I use with Google Pay?
You can use Google Pay with your NFC-enabled device running Android OS 4.0 (KitKat) or higher.
What Beacon cards can I use with Google Pay?
Your Beacon VISA® debit and credit card may be used with Google Pay.
How do I add my Beacon cards to Google Pay?
Add your Beacon cards to Google Pay using the below steps:
- In the Google Pay app on your device, touch the + sign to add a card.
- Manually enter the card number or use the phone’s camera feature.
- Accept the terms of service.
- If requested, follow any additional steps to verify your card.
Do I need to add my Beacon cards to Google Pay if I already added them to Google Wallet?
Yes, you will need to add your Beacon cards again to Google Pay.
Where can I use Google Pay?
You can use Google Pay with your NFC-enabled device running Android OS 4.4 (KitKat) or higher at over one million locations whose payment terminals are set up to accept Google Pay and any participating Android apps. View the current list of merchants and apps accepting Google Pay at the Google Pay site.
How do I make a purchase using Google Pay?
Purchases can be made in two ways:
- Paying In-Store: At an NFC enabled terminal, hold the phone to the terminal until a check mark appears.
- In-App: Select Google Pay and either use fingerprint, PIN code, password, or pattern to authenticate the purchase.
Can I use Google Pay if I’m in a poor service area?
Google Pay can perform a limited number of transactions with poor service. If you’re without Internet and need to use Google Pay, the app will tap into a limited number of stored tokens on the device.
Is Google Pay a secure method for making payments?
Google Pay is more secure than traditional payment methods because the full card account number is not stored or passed to merchants. A “token” is used in place of the full card account number. A token is a substitute account number that replaces your card number and is used to make secure purchases in stores and in-app. If a card becomes compromised the full card will not need to be replaced. Instead, a new token will be issued to the member on the same credit card.
How do I make returns on purchases I have made using Google Pay?
You can make a return the same way you would with your plastic card by contacting the merchant directly. It is recommended that you bring the device used to purchase the item when returning it.
What devices can I use with Samsung Pay?
You can use Samsung Pay with any device newer than a Samsung Galaxy S6, S6 Edge, S6 Edge+, Note 5, and S6 Active.
What Beacon cards can I use with Samsung Pay?
Your Beacon VISA® debit and credit cards may be used with Samsung Pay.
How do I add my Beacon cards to Samsung Pay?
Add your Beacon cards to Samsung Pay by manually inputting the card information within the app or using your phone’s camera feature.
Where can I use Samsung Pay?
Samsung Pay works at 90 percent of US payment terminals because it uses both NFC (newer technology at payment terminals) and MST technology (older technology at payment terminals).
How do I make a purchase using Samsung Pay?
Make an in-store purchase by swiping up from home button or selecting the Samsung Pay application from the home screen or app tray. Authorize payments by scanning your fingerprint before hovering the phone over the card reader.
Can I use Samsung Pay if I’m in a poor service area?
Samsung Pay can perform a limited number of transactions with poor service. If you’re without Internet and need to use Samsung Pay, the app will tap into a limited number of stored tokens on the device.
Is Samsung Pay a secure method for making payments?
Samsung Pay is more secure than traditional payment methods because the full card account number is not stored or passed to merchants. A “token” is used in place of the full card account number. A token is a substitute account number that replaces your card number and is used to make secure purchases in stores and in-app. If a card becomes compromised the full card will not need to be replaced. Instead, a new token will be issued to the member on the same credit card.
How do I make returns on purchases I have made using Samsung Pay?
You can make a return the same way you would with your plastic card by contacting the merchant directly. It is recommended that you bring the device used to purchase the item when returning it.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Android is a trademark of Google LLC. Google Pay is a trademark of Google LLC.
You are leaving beaconcu.org
Links to other websites found here are provided to assist in locating information. The existence of a link between this website and another does not constitute a product or program endorsement by Beacon Credit Union or any of its affiliates or employees. The credit union has no responsibility for content of the websites found at these links or beyond and does not attest to the accuracy or propriety of any information located there.
You are leaving beaconcu.org
Links to other websites found here are provided to assist in locating information. The existence of a link between this website and another does not constitute a product or program endorsement by Beacon Credit Union or any of its affiliates or employees. The credit union has no responsibility for content of the websites found at these links or beyond and does not attest to the accuracy or propriety of any information located there.
You are leaving beaconcu.org
Links to other websites found here are provided to assist in locating information. The existence of a link between this website and another does not constitute a product or program endorsement by Beacon Credit Union or any of its affiliates or employees. The credit union has no responsibility for content of the websites found at these links or beyond and does not attest to the accuracy or propriety of any information located there.