Your Peoples Community Bank Visa Credit Card and MasterCard Debit Card are now mobile wallet compatible (Apple Pay, Google Pay, and Samsung Pay). "What is a mobile wallet?", you might ask. A mobile wallet is an alternative to using your physical credit card or debit card that allows you to store your information in digital form on your mobile device and use it to make purchases.
Designed to protect your sensitive card information and make purchases as quick and easy as possible, the mobile wallet is changing the way we shop. Just activate the mobile wallet application on your mobile device and follow the prompts to quickly add your credit and debit card to your phone, tablet or smartwatch. Once verified, you are instantly able to make purchases by simply holding your device near the contactless reader at checkout and verifying the purchase with a scan of your fingerprint or passcode. Simple as that.
In recent years credit card fraud has grown to become a larger issue for consumers and businesses alike. The transition to mobile wallets is changing that. Each time you swipe your credit or debit card an exchange of your information is triggered making it vulnerable to fraud. With Apple, Google & Samsung Pay your card information is not shared with the merchant. Instead, when you add your card, a unique Device Account Number is assigned and encrypted on your mobile device. That number, along with a transaction-specific security code, is used to process your purchase. Your card information is never transmitted. And unlike swiping your credit or debit card, a fingerprint or passcode is required to verify the purchase is being made by the actual cardholder.
To pay in stores, just hold your phone near the contactless reader with your finger on the Touch ID. A subtle vibration lets you know your payment was successfully processed. No waiting to sign a receipt or shuffling through your belongings to find your wallet and the correct credit card. Simply scan and be on your way.
We are constantly searching the marketplace to bring you the most secure and convenient banking experience. If you have any questions about your mobile wallet, our credit or debit card, or future offerings, call or come in and speak with one of our Customer Service Representatives.