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What is a digital wallet?

In simple terms, a digital wallet is an electronic version of your physical wallet you carry whether you’re in North Carolina or traveling elsewhere. It stores your payment information in an online account. When you are making a purchase, you can use your mobile wallet from your mobile device to provide information instead of presenting the card each time.

Here is how it works. If you decide to add your credit card number to a mobile device or digital wallet, our credit card provider, Mastercard, will issue a “token” or digital account number behind the scenes. Then when you initiate transactions with a mobile device, using this “token” or digital account number, not your credit card number, will be used to process the transaction, just like a traditional credit card transaction. Because the “token” doesn’t carry your credit card number, you are less likely to become a victim of fraudulent activity.

Ready to get started? Follow these three steps:

  1. Add your Piedmont Advantage Credit Union debit and/or credit card to your digital wallet app from your mobile device.
  2. In your digital wallet app, tap "Add Card."
  3. Choose the type of card to add, "Credit or Debit Card," and follow the simple steps to add your card. Since our cards are vertical, it is best to enter card details manually instead of positioning your card in the frame to add card.

Ways to Pay

Instead of swiping your card or inserting your card’s chip into a merchant’s terminal, you simply tap a terminal and go. “Tap and go” eliminates the wear and tear on your credit card due to excessive swiping and inserting of your card in merchant terminals. It also can be safer and more secure than swiping and inserting a chip. For example, "tap and go" reduces the chances of dishonest merchant employees stealing your card’s magnetic-strip through “skimming,” the practice of fraudulently procuring card data. To learn more about "Tap and Go," click the picture above.

Apple Pay is easy and works with the Apple devices you use every day. Apple Pay allows you to make contactless, secure purchases in stores, in apps and on the web. And you can send and receive money from friends and family right in Messages. Apple Pay is a safer way to pay, and even simpler than using your physical card. To learn more about Apple Pay and how to load your cards, click on the Apple Pay logo above.

Google Pay makes it easy for you to make in-store and online purchases. It automatically syncs your saved credit cards wherever your Google account is logged in for quick payments, and it will import loyalty cards, tickets and offers from your Gmail account. You can pay with Google Pay wherever you see either the contactless or Google Pay symbols. To learn how to use Google Pay, click on the Google Pay logo above.

Carry your favorite cards on your devices so you can pay in-person or online. Samsung Pay makes it easy for you to make safe and secure purchases where ever you are shopping.  Upload your qualifying Piedmont Advantage credit and/or debit card to get started. To learn more about Samsung Pay and how to install, click the logo above.

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Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 13 counties it serves in North Carolina or who are employed by one of its many employer companies. These 13 counties are Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 120.

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