Digital Wallet FAQ’s
MOBILE WALLET FREQUENTLY ASKED QUESTIONS:
What is mobile wallet?
A mobile wallet is a form of wireless payment technology provided by your mobile device’s provider. The mobile wallets, or ‘Pays’ that High Plains Bank supports are Apple, Samsung, Google, Fitbit, and Garmin. The main benefit of mobile wallets is convenience. First, you can store all your payment card information in one place, so you don’t have to carry the cards with you. For some, that could mean no longer carrying a wallet. Also, mobile wallet transactions tend to be quicker than paying with cash or a credit card. When ready to pay, open the app, touch your phone to the compatible reader next to a register, and you’re on your way. Mobile wallets are not limited to smart phones and can be loaded on to tablets and smartwatches.
Which cards can I enroll in my wallet?
Your High Plains Bank Visa debit card.
Does the bank charge to use mobile wallet?
No, there is no fee to use this option.
Are mobile wallet payments secure?
Yes, mobile wallet payments are secure. When you make a purchase, the merchant receives a digital device account number (token), which is useless to a fraudster. Your actual card number is never provided to the merchant and is not stored on your device. One of the benefits of a mobile wallet is its secured access. Before making a payment, the user is required to unlock the mobile device using a password or fingerprint. The app also requires users to type a passcode, use their fingerprint, or use the face scan to unlock the mobile wallet. In the case of theft, it will be impossible for anyone to use the mobile device to make a payment without providing the required security credentials. It makes mobile wallets more secure than carrying physical credit cards and cash, which can easily be compromised.
Which devices can my card be added to?
While nearly all smartphones, some tablets, and a growing number of smartwatches have a default mobile wallet, please check device specs to confirm if your device supports mobile payments.
How do I add my card to my device?
You can find how-to instructions at these links.
Why am I being asked to call my financial institution after adding my card to the wallet?
For security reasons, you may receive a message to contact your Financial Institution when adding your card to your wallet. Your card may not be activated within the wallet until we speak with you. Contact us at 580-822-4466 or come to a location that is convenient for you.
Will my card number be stored on my device?
No. Once you add your card to your device it is replaced with a unique digital device account number, known as a token. Your wallet may display the last four digits of your actual card number, as well as the last four digits of the token.
What if my phone is lost or stolen?
Your card information is stored securely in your phone, and only the last four digits of the card will show when the Mobile Wallet app is opened. Your phone will also require your device passcode, fingerprint or facial recognition to authorize any purchases. You can also contact your bank to delete the card from your mobile wallet.
How do I pay with my device?
Typically, you can ‘tap’ your device near the payments terminal. Apple and Android devices communicate using near-field communications (NFC).
At Point of Sale (POS) transactions, the card reader will have a Wi-Fi symbol or say VeriFone to know that they accept mobile wallet payments. Some ATMs also have this ability. Mobile wallets may be used for online transactions as well if the merchant supports them.
What happens if I lose my device?
Let us know that your device is lost or stolen by calling us at 580-822-4466 and we can temporally suspend or delete the device’s token until it is found. Your plastic debit card will not be affected by this.
What if I buy a new device?
The best way (if the old device is still operational) is to go into your setting and do a factory reset on your device to remove any personal information on it. If the device does not work, you can call us at 580-822-4466 and we can delete the token associated with your card and device.
