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Mobile Wallets

Imagine having all your credit and debit cards, loyalty program cards, theater tickets, airline boarding passes, and much more stored securely in one place – your smartphone. The mobile wallet app on your smartphone allows you to have all these items at your fingertips. You can make transactions with just a few taps. No more rifling through your wallet for the right card or dealing with loose bills or change – everything you need is right there on your device. Mobile wallets have become quite popular recently, and there's a good reason why. They are secure, convenient, and easy to use. 

What is a mobile wallet?

A mobile wallet, also known as an e-wallet, is a tool that allows you to store and manage types of payment methods securely on your smartphone or other electronic devices. If you have a smartphone, you likely have a mobile wallet (like ApplePay or GooglePay) already installed on your device. Other mobile wallets, including PayPal, Venmo, or Cash App, are available in your device's app store.

Mobile wallets use a built-in security feature called "tokenization" to keep your debit or credit card information secure. When you add your card, it doesn't share the real card numbers. Instead, a special code called a token is created. When you buy something, this token, not your actual card details, goes to the store. So, your money stays safe, making mobile payments easy and secure.

How do I make a payment with a mobile wallet?

When you want to pay online or at a store that accepts mobile wallet payments, choose your mobile wallet as your payment method. To make sure it's really you, the wallet will ask for a PIN, your fingerprint, or FaceID, depending on your device and service. Once you confirm, a one-time token is sent to the merchant, and you're on your way!

Another plus to mobile wallets is they are for more than just payments. They can store event tickets, airline boarding passes, loyalty cards, and even gift cards. It's easier to travel and shop without carrying a bunch of physical cards. Some mobile wallets even help you keep track of your spending, categorize your expenses, and set budgets to help you manage your money better.

Loading your cards into your mobile wallet is easy. Enroll right through your phone, follow a few easy steps to verify yourself, and presto! You're all set to shop without a worry. You can even add multiple cards for all your spending needs. Say "Hello" to security, simplicity, and convenience when you use your mobile wallet. Happy spending!

O Bee Mobile

O Bee Mobile


Bank on-the-go with O Bee Credit Union's mobile app. Check balances, transfer funds, deposit checks, pay bills, and more - all at your fingertips!

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