Digital Wallet FAQ


  • What is a Digital Wallet?

A digital wallet, sometimes called an e-wallet, is a service that allows you to pay for things, usually through a mobile phone app. It also stores a number of other items a traditional wallet would hold, such as a driver's license, gift cards, tickets for entertainment events, and transportation passes. Digital wallets are not only easier to use in some cases but are also generally considered to be more secure than a traditional wallet.


  • What are the benefits of a Digital Wallet?

Aside from simply feeling like you're living in the future, digital wallets have a lot of benefits over a physical wallet. Here are some of the many reasons why you might want to consider adopting a digital wallet app or software.


Rather than finding your card in your wallet, you can simply hold your smartphone up to a terminal at checkout and be ready to go. Online transaction processes are also streamlined, allowing you to shop online quickly.


How many times have you had trouble finding something in your wallet between your ID, credit cards, reward and loyalty cards, and errant receipts? Digital wallets don't have this problem. Most apps allow you to easily organize all of your information in an easy-to-access way, saving you time shuffling through your wallet for the items you need.

More Security:

Physical wallets can easily be lost or stolen. If you have ever lost your wallet either through an accident or theft, you know firsthand how time-consuming and stressful it can be to cancel and replace all of your cards, identification, and more. You also lose out on any cash that you were carrying. A digital wallet negates these problems. Even if you lose your phone, the person would need to break your password on your phone, then any passwords or Face IDs used to protect your digital wallet app

Additional Bonuses and Rewards:

Many digital wallet apps give their users access to numerous benefits and rewards that can give you a little more "bang for your buck" on certain purchases. These benefits can be layered on top of cash back and special rewards offered by your credit cards, allowing you to maximize your free bonuses on purchases.


  • 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.


  • 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 of the 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.


  • Are Digital Wallet payments accepted everywhere?

Digital wallet payments are accepted at most merchants as well as online and when making in-app purchases.  A large number of retailers are also jumping on board with the digital wallets. Ask your merchant to see if they accept digital wallet payments.


  • What if my physical Visa card is lost or stolen?

Please contact us at 850-474-0970 option 0. Or email us at as soon as possible.  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?

For any new or replacement cards, you will go through the initial set up of providing the basic payment details to add the card to your app


  • Which Central Credit Union cards are eligible?

Any Central Visa Debit or Credit Card can be uploaded into our Digital Wallet app.  


  • Can I still earn my Extra Award points while using my Central Visa Gold when I use Digital Wallet?

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


  • How do I pay with my device in-app or online?

At check-out, look for your Wallet’s unique symbol among your payment options.  It may look similar to this:  Contactless Card Symbol

Serving Members

Since 1962