Digital Wallet Frequently Asked Questions

General Information

What Is a Digital Wallet?

Digital wallets are exactly what they sound like. They’re electronic versions of your physical wallet. They can store things like credit card information, loyalty cards, and even tickets you’ve purchased.

You can access that personal data from devices like your smartphone, smartwatch, computer, or tablet. This can help you declutter and avoid carrying a bunch of physical cards around with you. And it can make payments quick and easy.

Are Digital Wallet payments accepted everywhere?

Digital wallet payments are accepted at most merchants as well as online and when making in-app purchases. Ask your merchant to see if they accept digital wallet payments or look for the contactless symbol in stores. NOTE: Fitbit and Garmin cannot be used online or in-app at all. Apple Pay can only be used online in Safari. Google Pay can only be used online in Google Chrome.

What’s the Difference Between Digital Wallets and Mobile Wallets?

The terms “digital wallet” and “mobile wallet” are often used interchangeably.

Are There Different Types of Digital Wallets?

There are many different types of digital wallets. And most can hold several cards at once. Plus, many devices have built-in digital wallets that support some of your favorite digital payment platforms. Patriot offers these five:

Apple Pay®: An easy, secure and private way to pay with your Apple devices.
Fitbit Pay™: Pay right from your watch or tracker.
Garmin Pay™: A simple way to pay with your smartwatch.
Google Pay™: A safe, simple and helpful way to pay and manage your money.
Samsung Pay®: Check out securely in person or online with your Samsung device.

Which devices are compatible with Apple Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Apple Pay website can be accessed by clicking on the link below:
Apple Pay

Which devices are compatible with Google Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Google Pay website can be accessed by clicking on the link below:
Google Pay

Which devices are compatible with Samsung Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Samsung Pay website can be accessed by clicking on the link below:
Samsung Pay

Which devices are compatible with Fitbit Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Samsung Pay website can be accessed by clicking on the link below:
Fitbit Pay

Which devices are compatible with Garmin Pay?

Please visit your digital wallet provider’s website for the most current list of compatible devices. The Samsung Pay website can be accessed by clicking on the link below:
Garmin Pay

How Do Digital Wallets Work?

Most digital wallets come with an app you can add to your computer, phone, watch, or other smart devices.
When you’re out shopping, you can pay with most wallets by holding your device near a terminal with the contactless symbol.
To complete the transaction, you might be required to provide a passcode or authenticate through fingerprint or facial recognition. From there, you can use the app to make purchases, pay someone directly or even use tickets for things like concerts or travel.

Is there a charge to use Digital Wallet?

No, there is no fee to use any of the participating Digital Wallets. However, message and data rates apply, depending on your data plan.

What are the benefits of a Digital Wallet?

There are many benefits to making purchases with your Patriot debit/credit card(s) using your digital wallet, including:
Convenience – you don’t have to worry about having your card with you or pulling it out of your wallet or bag while making a purchase.
Secure – Digital wallets can’t be stolen or lost like regular wallets. The data stored in the wallet is encrypted. Your actual account numbers aren’t transmitted during a transaction. During a transaction, the merchant receives a one-time password, or token, to complete the transaction. In this process, your card number is never provided, making it nearly impossible for a fraudster to take your card information.

Which Patriot cards are eligible?

Any Patriot Visa Debit or Credit Card can be uploaded into your Digital Wallet app.

Can I have more than one Patriot debit/credit card in my digital wallet?

Yes. There is no limit to the number of Patriot debit/credit cards that can be added to a digital wallet. However, there may be a limit to the number of cards your digital wallet allows set by the wallet provider.

Can I add my Patriot debit/credit card (s) to multiple devices?

Yes. You can add your Patriot debit/credit card(s) to multiple digital wallets and/or wallet-enabled devices.

Can I still earn my reward points while using my Cash Back Rewards VISA® Credit Card when I use Digital Wallet?

Yes, you will continue to earn points while using Digital Wallet.

Once I add my Patriot debit/credit card to a digital wallet, can I still use the physical card for purchases?

Yes. If you add your Patriot debit/credit card to a digital wallet, your physical card can still be used like it is today.


Security

Are Digital Wallets fraud proof?

Digital wallets are more fraud-proof than your physical card due to tokenization, which replaces card account numbers with unique alpha/numeric codes that retain all essential information without compromising the actual card number. Even if a merchant gets hacked, your credit or debit card number is not compromised because your card number was not used. Your payment card information, such as the 16-digit account number found on the front of your card, will be replaced with a digital account number that can be securely stored on devices and used to make purchases. Your credit and debit card numbers are NOT stored on the device. This helps to reduce the potential for fraud.

Are Digital Wallets Safe?

While you should always be concerned about your personal information, major digital wallet apps are widely considered to be safe. In fact, they are likely safer than carrying your financial information and other sensitive documents in a physical wallet.

What if my physical Visa card is lost or stolen?

If your card is lost or stolen, contact us immediately at the appropriate number: during regular banking hours, call 888-777-9982. After hours, call our automated service at 717-263-8247 or 800-847-2911. You can also access Card Controls on your Patriot Mobile App anywhere in the world, 24/7/365

  • Disable and enable your card in the event of a lost, misplaced, or stolen card
  • Set up travel notifications so your card never gets closed while you’re on vacation again
  • Order a replacement card
  • Mark your card as lost or stolen
  • Activate new debit or credit cards that you received in the mail

Once you receive your replacement card you can add your new card to your mobile wallet.

What should I do when I receive a new, renewed or replacement card?

You will go through the initial setup of providing the basic payment details to add the card to your app for any new or replacement cards.

If I lose my device, can I still use my physical Patriot debit/credit card(s) for purchases?

In the event of a lost device, you may want to contact your service provider to suspend your service for that device.  You can still make payments using your physical Patriot debit/credit card(s). 

If my card is reported lost or stolen, can I still use my digital wallet to make purchases using my Patriot debit/credit card(s)?

No. If your Patriot debit/credit card(s) is canceled, it cannot be used to make purchases within your digital wallet. Once you receive your replacement card, add your new card to your digital wallet, following the same steps as if you were setting it up for the first time.


Miscellaneous

What else can digital wallets do?

They are also a great place to keep other important documents organized and easily accessible.

Here’s a look at all of the things you can store in a digital wallet:

    • Credit or debit cards
    • Boarding passes
    • Hotel reservations
    • Concert tickets
    • Gift cards
    • Coupons
    • Loyalty rewards cards

Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is only compatible with select cards, carriers, and Samsung devices. See Samsung.com/pay for compatibility. Fitbit Pay is a registered trademark of Fitbit, Inc. Garmin Pay is a registered trademark of Garmin Ltd. EMV® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries around the world. Message and data rates may apply. Terms and Conditions are available.