Pay with your mobile device
With our mobile payment options, you can securely store your CoVantage debit or credit card details to make purchases at a store with your mobile device.
While mobile payment options are fairly new, the near-field communication (NFC) technology behind Apple Pay™, Google Pay™ and Samsung Pay™ has been available for some time. Because NFC is being included in more devices and because merchants have been upgrading their payment systems to accept chip cards (likely becoming NFC-ready in the process), the technology is now mainstream.
NFC enables two devices (like your mobile device and the payment terminal) placed close together to communicate data. To get started:
Security measures vary depending on the mobile wallet. Many don't show your full card number to the merchant. Apple Pay and Google Pay, for instance, generate a random, virtual account number rather than transmitting your card number. For in-store purchases, because your payment method stays in your hands, you won't reveal your name or security code, either. If you lose your phone, many devices enable you to lock it remotely or completely remove any personal information.
CoVantage Credit Union offers members Apple Pay. Within Wallet™ on your eligible Apple™ device, you can add your CoVantage cards as payment options. With Apple’s Touch ID™, you don’t have to swipe a card, or enter payment or contact information to pay.
Security and privacy is at the core of Apple Pay. When you add a credit or debit card with Apple Pay™, the actual card number is not stored on the device or on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time unique dynamic security code, instead of using the security code from the back of your card.
In participating stores, Apple Pay™ will work with iPhone 6, iPhone 6 Plus and Apple Watch. Within apps, Apple Pay™ is compatible with iPhone 6 and iPhone 6 Plus, iPad Air 2 and iPad mini 3.
For more information on Apple Pay, visit:
Samsung Pay™ is the mobile payment service that works with the latest Samsung Galaxy Devices.
Eligible devices include the Samsung Galaxy S6®, Samsung Galaxy S6 edge®, Samsung Galaxy S6 edge+® and Samsung Galaxy Note® 5. Users will find the Samsung Pay app icon on their home screen or app tray. The app is also available on Google Play as a free download.
For more information on Samsung Pay™, visit
With Google Pay™, mobile users can make purchases with their NFC-enabled Android device at contactless terminals. Google Pay™ comes pre-loaded on many devices or can be downloaded from Google Play for free.
For more information on Google Pay™ or device requirements, visit https://wallet.google.com/