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Mobile wallets are contactless payment services that allow debit card users to make payments from their mobile device.
Fairport Savings Bank debit cards are compatible with Apple Pay®, Google Pay® and Samsung PayTM.
Mobile wallets use unique technology that creates an electronic version of your debit card and assigns a device account number in place of your card number. The device account number, along with an encrypted transaction specific code, is used to make the purchase. This ensures that your account number or card number is never provided to the merchant.
In some instances, you may be prompted to make a call to authenticate your card. This is to ensure you are actually the person adding the card to your mobile wallet.
Your device will automatically load any cards that have been used previously in iTunes or the App Store.
When visiting a store that accepts Apple Pay, Google Pay or Samsung Pay, hold your device near the contactless reader with your finger on the Touch IDTM. Once your phone vibrates, your transaction is complete. Just like your debit card, the funds will automatically be deducted from your account.
When paying on your device through a website or app, just select Apple Pay, Google Pay or Samsung Pay at checkout and place your finger on the Touch ID. Just like your debit card, the funds will automatically be deducted from your account.
Your debit card number is replaced with a device account number that can be securely stored on your device and used for purchases. When you add your debit card to Apple, Samsung or Google Pay, the image of your card is encrypted and sent to the authentication server. Information is never stored on your device.
Once the card setup is approved, a device-specific account number is created and securely stored on your device. Since this information is unique to the device and the debit card, it is much more secure than the information stored on the magnetic strip of a physical card.
You will need your fingerprint or device PIN number to access the information in your mobile wallet.
Look for these icons on the website or by the card reader at the store.
Samsung Pay uses Magnetic Secure Transmission (MST) so it will work with almost all point-of-sale systems. However, it won't work with readers where you need to physically insert your card into a slot such as those found at gas stations and on ATMs.
The NFC technology allows a smartphone to securely communicate with a payment terminal that is in close proximity.
HCE is the software that allows cards to be represented virtually and used with NFC technology.
MST technology allows a smartphone to send a magnetic signal to a terminal that will emulate a physical swipe.
There is no cost to use these services; however, wireless carrier fees may apply.
You have multiple options to ensure mobile wallet services are stopped if you lose your phone. You can contact your local FSB branch or login to the website for the mobile wallet that you use.
They will appear as normal debit card transactions and may include the term “Digital Account Number” in the description as well as the last four digits of your Device Account Number. This can be found in the history on your respective mobile wallet.
You will be refunded as you normally do by contacting the merchant. They may ask for your Device Account Number. This can be found in the history on your respective mobile wallet.
If you are receiving notifications when transactions are approved or declined, you have the capability to turn these off by going to settings within your mobile wallet app.
No, you will need to delete the old card from the mobile wallet and enter the new one.
Yes, each mobile wallet allows multiple cards to be added to the wallet.
Yes. You can load your debit card onto multiple devices. You cannot load your card into both Samsung Pay and Google Pay on the same device.
These mobile wallet apps are not specific to Fairport Savings Bank. They can be used with any card that supports the functionality. Because of this, you can visit the mobile wallet’s support page to get additional information.