The global number of mobile payments is rapidly growing. The statistics show that 25.7% of all POS payments of 2020 were made using digital wallets. Payments with phone are one of the most convenient and secure ways to pay in stores, restaurants, public transport, and many other places around the world.
To make a mobile payment, hold your phone near the POS terminal. Mobile payments are another way to pay contactless with your physical and virtual cards issued by iCard. All users of iCard mobile app (plan Standard, Infinite or Metal) can make mobile payments.
Mobile payments are possible, thanks to the contactless NFC (Near Field Communication) chips which allow devices such as smartphones, POS terminals, contactless debit cards, NFC wearables, watches, etc. to exchange information.
Your favourite digital wallet allows you to make mobile payments in the app – with iCard Pay, and also by using other apps – Google Pay™ and Apple Pay. We want to give you the freedom to choose. But how can you decide what method to use to pay with a phone? See the advantages of each of the three options and learn how to make easy, fast, and secure mobile payments.
1. iCard Pay
iCard Pay is one of the most liked functions of the iCard digital wallet, which can be used by all customers with verified identity and NFC-enabled Android phones. With iCard Pay, you can pay in all stores over the world where contactless payments are accepted.
A key advantage of iCard Pay making it one of the most convenient ways to pay with phone is that you don’t have to add your cards to a different mobile app. All you have to do is to open the iCard app, choose “Tap & Pay” button, and hold your phone near the POS terminal. You will see a success symbol on the screen.
Additional cardholder authentication is required in order to pay with iCard Pay. Once you have logged in to the iCard mobile app, you need to choose iCard Pay (“Tap and Pay”). To pay with it, you must unlock the device with your default screen lock method – fingerprint, PIN code or pattern. Now just hold the phone near the POS terminal! Easy and convenient!
How to pay with iCard Pay:
Paying with iCard Pay takes only a few seconds:
1. Open the iCard mobile app;
2. Press “Tap&Pay” button in the top left and unlock the device with your default screen lock method;
3. Choose with which card you want to pay by swiping left or right;
4. Hold the phone near the POS terminal.
Well done! You just paid successfully with iCard Pay.
It’s even easier when you hold your device near the POS, unlock it and iCard Pay will be activated automatically. All you have to do is use your method to unlock the phone again and hold it near the POS one more time.
2. Google Pay
Google Pay is the fast, simple way to pay contactless and speed through checkout on sites and in apps. It helps you keep all your payment methods organized and protects your info with multiple layers of security.
Android smartphones (version Lollipop 5.0 or newer) are supporting Google Pay. To use this service, you have to download Google Pay app from Google Play Store (or to activate the service in the settings menu of your device). Then, you have to add your physical or virtual Visa card issued by iCard.
Another advantage of Google Pay is “Buy with G Pay” button, which can be seen when making online payments on some websites and apps. When using this button, you can skip entering your card details and pay for your purchases with an already stored card. If Google Pay is your default payment method, the in-store transactions can be made without even entering the app. All you have to do is to unlock your phone and hold it near the POS terminal.
How to add a card to Google Pay?
Here’s how you can add your card issued by iCard to Google Pay directly through your digital wallet:
1. Open the iCard app;
2. Choose the card you want to add to Google Pay;
3. Press the button “Add to G Pay”.
How to pay with Google Pay and iCard?
First, make sure you have activated the NFC and added at least one card to Google Pay. Then:
1. Wake up and unlock your Android phone (it’s not even necessary to log into the Google Pay app);
2. Hold your phone near the POS terminal until you see a checkmark on the screen.
You can track all your transactions made with Google Pay and a card issued by iCard both in the Google Pay app and in your iCard digital wallet.
3. Apple Pay
The clients of iCard digital wallet with iOS devices can use Apple Pay. The app which allows you to store your debit cards and make contactless payments via an iOS phone is called Apple Wallet. The good news is that the application is already installed on all Apple products when you buy them and you do not need to download it additionally.
You can pay in retail stores all around the world by holding a phone or a smartwatch with Apple Pay near the POS. For online transactions, you can use the convenience to pay without entering additional data.
How to add a card to Apple Pay?
To use Apple Pay, you have to add at least one of your Visa debit cards issued by iCard. Here’s how to do it:
1. Open the iCard app on iPhone and choose one of your debit cards;
2. Press the “Add to Apple Wallet” button;
3. Follow the instructions;
4. Choose “Use as Default Card”.
Why using mobile payments is a good idea (Android or iOS)?
Convenience is modern
With iCard, you can choose between three modern methods of mobile payments that will save you effort and time. Feel the power of convenience in your hands. Literally.
Security is a must
Although mobile payments offer many advantages, some consumers are still afraid to pay this way. You need to know that all methods of mobile payments with cards issued by iCard are not only easy but also meet high standards of data security.
Security is our priority. For each transaction made with iCard Pay, Google Pay or Apple Pay, the sensitive payment information is replaced by a unique digital identifier – “token”. The actual card data remain hidden.
ATM withdrawals with a phone are also here
With iCard Pay, Google Pay and Apple Pay you can not only make contactless payments but also withdraw cash from all contactless ATMs all over the world. Just hold your phone closer to the contactless symbol.
All privileges are in your phone
Don’t forget that you get special privileges with every transaction you make with some of the cards issued by iCard. This also applies to transactions made with iCard Pay, Google Pay and Apple Pay. If you pay with your phone and iCard Metal, for example, you will get 0,2% cashback for the payments you made in Europe and 1% of all payments made outside Europe.