In Addition to Apple Pay, UCU Collabria Credit Cards can now be added to Google Pay and Samsung Pay

 

If you carry a smartphone with you then you are also carrying a mobile wallet.  A mobile wallet is a fast, convenient and more secure way to pay with your credit card using your smartphone.

UCU Collabria Credit Cards have been available for use with Apple Pay for some time – and now - you can add your UCU Collabria Credit Card to Google Pay and Samsung Pay as well.

So leave your bulky physical cards at home and use the mobile wallet app on your phone to pay for purchases using your UCU Collabria Credit Cards on your Apple, Google or Samsung devices.

What is a Mobile Wallet?

A mobile wallet is a digital version of a traditional physical wallet. It is an app on your smartphone and smartwatch that digitally stores your credit card information. Once the payment card information is added to your mobile wallet - you can use your smartphone or smartwatch to pay for purchases made in-store, through mobile apps, or on e-commerce websites.

How to add a card to your Mobile Wallet?

You can easily add your payment card to a smartphone’s mobile wallet. Each large smartphone brand has its own mobile wallet which comes as a built-in feature on its phone. Apple phones have Apple Pay, Samsung phones have Samsung Pay and Google phones have Google Pay.

Open the mobile wallet app on your phone and add your credit card information. It’s that easy.  You can add as many cards as you want but only one card can be the default payment option.

You can find more information about adding your UCU Collabria Credit Card to Apple Pay here.

You can find more information about adding your UCU Collabria Credit Card to Google Pay here.

You can find more information about adding your UCU Collabria Credit Card to Samsung Pay here.

How does a Mobile Wallet work?

Mobile wallets use tokenization – a technology that assigns a different virtual account number, or token, to your card with each transaction. Your actual credit card number and sensitive information are not shared with a merchant or sent over the internet.

Mobile wallets use NFC – Near Field Communication –to transmit data. The merchant’s credit card reader must be equipped with NFC technology to use your mobile wallet.

Is a Mobile Wallet safe to use?

Payments made using a mobile wallet have enhanced security features.

Tokens -Your credit card information is not stored on your smartphone or smartwatch. Instead, each card is assigned a virtual card number that’s only associated with the digital wallet on your device. This means your actual credit card information is never given to merchants or websites where you shop—adding another layer of security to the transaction.

Authentication – Depending on your phone type and set up – you can unlock your phone and authorize payments using your fingerprint, passcode or even your iris scan. This higher security threshold is not available on a physical credit card. The enhanced authentication makes it more difficult for thieves to steal your personal information.

Connection – NFC connection is safer than a Wi-Fi connection. NFC has a range of a few centimeters while Wi-Fi has a range of more than 45 metres. NFC makes it more difficult for a thief to eavesdrop and intercept the transaction data.

What are the Benefits of Using a Mobile Wallet?

Convenience - No need to fumble for your credit card, just pull out your phone and open the mobile wallet app to pay for your purchase.

Rewards – Earn the same credit card rewards as you do with your physical credit card.

Contactless Payment – Just hover your phone over the payment terminal to complete your transaction. No-touch transaction means you avoid contact with money and the payment terminal keypad which will keep your hands cleaner.

Safer Shopping – Make simple and safe payments – more secure than your physical credit card.

More information about UCU Collabria Credit Cards can be found on our website.