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Smart Pay with Your Smart Phone

August 2018

August Blog

Chances are you own a smartphone. If you don’t, you are in the minority and will likely get odd looks as you whip open your flip phone. This is not ‘90s people. As if. 
 
The question is, “How are you using your device?” Have you opted to leave the physical wallet behind and rely solely on your mobile wallet? If you’ve been on the fence on mobile pay, here are a few reasons to give it a try. Come on, it’s 2018 after all.
 
1. It’s secure.
 
Credit card information is not stored on smartphones, but rather directly in the cloud, so, no thief could extract your credit card details. In fact, paying with a mobile device can be safer than using a credit card. Most apps generate a unique bar code for each transaction instead of sending card digits into the universe. This means when you make a payment, the retailer receives a random transaction number, not your credit card details. Instead, a random transaction number is used. More importantly, all credit and debit fraud protections that come with your account apply to mobile transactions, so you’re covered.
 
2. Convenience.
 
Who wants to carry cash these days? No one! But chances are your smartphone is never further than an arm’s length away. So, whether you are heading into your local coffee shop, purchasing groceries, or grabbing a bite to eat, you just need a simple wave of your phone to complete a transaction.  Some vendors, like Starbucks and Dunkin’ Donuts, have their own mobile apps, which in many cases offer the ability to order ahead and earn loyalty points. You can also leverage eWallet solutions, like Apple Pay, which as a UNIFY member you can link to your UNIFY Debit Card. Simply download the app and follow onscreen instructions to set up your account and add your payment details. 
 
3. Money transfers are easy and instant.
 
Need to split the bill at a restaurant or reimburse your BFF for concert tickets? As a UNIFY member, you can skip the ATM and take advantage of PeoplePay to transfer money to anyone instantly. 

By 2020, it is expected that Gen Z will make up over 40 percent of the United States’ customers, so these digital natives will undoubtedly demand mobile pay as the norm. Might as well give it a try now. Start with a mobile app and let your phone do the work. Soon, there will be no need to pull out a debit or credit card again.

Apple Pay® is a mobile digital payment service offered through Apple, Inc. The service allows you to pay for purchases using your Apple device at more than 200,000 participating merchants without swiping your UNIFY Visa Card. You may also make payments in apps without entering payment information. 
 
Apple, the Apple logo, and Apple Pay are trademarks of Apple, Inc.
 
Visa® is a registered trademark of VISA, U.S.A., Inc.
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