How to Set Up Your Digital Wallet

After the pandemic in 2020, the way we interact in public has changed. The way we purchase items on a daily basis has changed, too, because of concerns over touching cash, PIN pads, touch screens, and electronic security. It’s always a good idea to learn how to set up your digital wallet.

Mobile payments are quick and allow for lower wait times at checkout. You can access more accounts without the need to carry a physical wallet with all the different cards and cash.

It’s an easy way to pay, but you can’t tap to pay unless you have it set up on your smartphone. There are many options to choose from that are available for both Farmers Bank & Trust debit and credit cards for no extra charge.

Here’s a step-by-step guide to help you through each platform:

Apple Pay® 

  1. Start by opening up the “Wallet” app on your iPhone, which should be on your main home screen. If you have deleted it, don’t worry. You can always re-download from the App Store.
  2. Once in the app, tap the plus sign in the top right-hand corner. You’ll be presented with a screen to choose the type of card to add to Apple Pay. Choose “Credit or Debit Card.”
  3. You’ll be presented with a splash screen on what Apple Pay is. Tap the continue button at the bottom to open up a scan-to-add function. The camera on your iPhone is smart enough to scan the card in, or you can choose to enter the card number and expiration date manually. Either way, you’ll be required to type in the security code.
  4. Terms and conditions for the card will appear and after agreeing to them, you’ll be prompted to receive a confirmation code (via a call, text, or email) and then type that in. After that, the card will be ready to use.
  5. To access Apple Pay, double-tap the power button on your phone or open the Wallet app. You can select the card you want to use and hold it up to the card reader after confirming your identity. Depending on your iPhone, you can do so quickly with Face ID or Touch ID. You can also use Apple Pay in apps or on the web when prompted. The authentication is done the same way with a Touch ID or FaceID confirmation.

Currently, Apple Pay is the only digital wallet using a secure element (SE) for tokenization storage, which is a chip embedded directly into the phone’s hardware.

Google Pay

  1. Google Pay works on most Android phones. It’s probably already preloaded onto your phone, but if not you can download from the Play Store.
  2. Once you open the Google Pay app, you will authenticate it with your Google account.
  3. Tap “Add” at the bottom of the screen. Like the Wallet app on the iPhone, you can scan the card to automatically insert the card number and expiration date, or type the number in manually.
  4. Enter the security code, and agree to the terms and conditions. You’ll be prompted to receive a confirmation code. After that, you’re all set.
  5. When you’re in a store with Tap-to-Pay abilities, just open the Google Pay app and select your card. You’ll then authenticate with a touch, pin entry or face scan to pay.

Google Pay is a fast, free way to send money through the app, in Gmail, or on the web at pay.google.com. You can send money to someone using their email address or phone number. Google Wallet comes with 24/7 fraud monitoring and covers 100% of all verified unauthorized transactions.

Samsung Pay®

  1. Samsung pay comes preloaded on available phones, but you can always reinstall it in the Play Store if needed. Open the Samsung Pay app, and then tap “Get Started.”
  2. You will be prompted for a PIN that will be used in the future to protect your information. You will enter it twice for confirmation.
  3. Tap the “Menu” button in the top-left corner of the screen, then select “Add credit/debit card” in the pop-up screen.
  4. Follow the on-screen instructions to complete setup and agree to terms and conditions.

Samsung Pay uses magnetic secure transmission (MST) for payments. MST is a huge convenience for cardholders. It works by sending a magnetic signal from a compatible device to the payment terminal’s card reader (to imitate swiping a physical payment card). MST payments don’t require the merchant to upgrade the payment terminal, making Samsung Pay available for use at nearly all payment terminals with a card reader.


Masterpass™ is a digital wallet from Mastercard® that simplifies the checkout process with one secure account. It works across multiple channels and on any device. Masterpass stores cards and shipping information so cardholders can shop from one account. Cardholders simply register on masterpass.com or through their financial institution and load their Mastercard debit card information.

For more details, visit MyFarmers.Bank/digital-wallet.