Digital Wallets

smiling woman using cell phone

Tap, swipe, or give a quick wave. And then walk out the door.


No fishing in your pockets. No fumbling for plastic. When you're ready to pay for purchases, all you need is the hand holding your smartphone. By linking your KEMBA Financial Credit Union Mastercard Debit Card, Visa Signature®, or Visa Platinum Rewards Credit Card to your mobile device, you can enjoy touchless payments and speed through store checkout lines faster than ever.

  • Works with most Apple™, Samsung™, and Android™ phones, tablets and other mobile devices
  • No hand-to-hand contact with clerks who've already touched hundreds of other customers
  • Enhanced security safeguards protect your personal and financial data
  • All mobile wallet purchases are recorded in Digital Banking for later review
  • Works great for smoother online shopping experiences, too; our security measures protect your personal information
  • Read our Digital Wallet Terms and Conditions
With Apple Pay®, you can easily make secure purchases at participating merchants with your eligible iPhone®, Apple Watch®, iPad®, and/or Mac®. Use Apple Pay and your favorite KEMBA Debit and Credit Cards to pay the easy and secure way at thousands of stores and participating apps. See a complete list of Apple Pay merchants.

Use the instructions below to quickly set up Apple Pay with your KEMBA cards. You can also visit the Apple® support page for more information on how to add cards to Apple Pay.

KEMBA Apple Pay Step One

KEMBA Apple Pay Step 2

KEMBA Apple Pay Step 3

KEMBA Apple Pay Step 4


Apple Pay FAQs

Apple Pay® will change how you pay with contactless payment technology and unique security features built right into your Apple® device, allowing you to make purchases with your iPhone® or Apple Watch® simply by holding your phone near a contactless reader at a participating merchant. Apple Pay can also be used with an iPad® and/or Mac® to make purchases securely in apps or online.
With all Apple® devices, you need to use your Apple ID® to set up Apple Pay. To pay in stores you’ll need an iPhone or Apple Watch with Touch ID® or Face ID® and a passcode. To pay within apps you’ll need an iPhone, Apple Watch, or iPad with Touch ID or Face ID. To pay online you can use an iPhone, iPad, or Mac. To use a Mac for online purchases, it must be Touch ID enabled or have your iPhone, iPad, or Apple Watch on hand. For more information on how to use please visit How to use Apple Pay on Apple’s support page.
Apple Pay can easily be set up on any iPhone, iPad, Apple Watch, or Mac. For quick reference you can go to our page: Getting Started with Apple Pay or for more information visit Set up Apple Pay on Apple’s support page.
Yes, there is no charge to use Apple Pay. However, depending on your data plan, message and data rates may apply.
KEMBA cardholders will be able to use their favorite KEMBA Credit and Debit Cards. Whichever KEMBA card you have in your wallet, you’ll be able to add to Apple Pay.
The credit or debit card associated with your Apple ID or the first card you add to Passbook® is your default card. To change your default card:
  • Go to Settings > Wallet & Apple Pay.
  • Tap Default Card.
  • Choose a new card
Yes, you can load up to eight cards on older devices and up to 12 on iPhone 8 or Apple Watch 3 and newer devices.
In most cases, yes. However, in some cases the card in Apple Pay will not match your physical card. In these cases you will see an image of a card with our KEMBA logo on it as a symbol of your card.
Yes, when using Apple Pay, your KEMBA card number isn’t stored on your phone or given to the merchant. A unique Digital Account Number (token) is created specifically for that device. Additionally, you will be required to use either your fingerprint with the Touch ID fingerprint sensor, Face ID, or a secure passcode to complete a purchase.
Yes, Apple Pay doesn’t store your Credit or Debit Card number on your device; you never reveal your name, card number or security code to merchants.
If your Apple ID account address does not match the address we have on file for your credit card, you may be prompted to call us for verification as a final step before enrollment. Please call the number provided so we can verify your card, then look for a Wallet message letting you know that your card is ready for use with Apple Pay.
You can use Apple Pay at more than 220,000 locations. See a list a complete listing of Apple Pay merchants. You may also look for these Apple Pay symbols at the checkout.

Apple Pay Icons
You’re able to make a return for a purchase made with Apple Pay to your account. Upon return, you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your Card number. To find the last four digits of your Device Account Number for your Card, go to Wallet, tap the card and then select.
Please call us immediately and mention that you’re an Apple Pay customer. We’ll cancel your card so that no more purchases can be made. You should also remove the lost or stolen card from Wallet using the “Remove Card” option. When you receive your replacement card, you will need to add the new card to Apple Pay before making any Apple Pay purchases.
When a KEMBA card enrolled in Apple Pay expires, you will need to remove the old card from the Wallet app and add the new card information. While it is not mandatory to remove old cards, doing so will prevent you from accidentally attempting to pay with a card that is no longer valid.
Yes, adding your Credit or Debit Cards to Apple Pay is your choice; you can add and remove cards when needed. To remove your cards, go into “Settings,” open “Wallet & Apple Pay,” select the card you want to delete and tap “Remove Card.”
Of course, you will! You’ll still get all the benefits and protections that your KEMBA rewards Credit Card provides. If you currently earn rewards on purchases, you’ll continue to earn them for purchases made with Apple Pay.
Yes, just tap on the stack of cards at the bottom of the screen to view your other cards, select the one you would like to pay with and use your fingerprint or passcode to complete the purchase like normal.
If you’re having difficulty with your software or hardware, please Contact Apple.
When selling or giving away your iPhone 6 or other new Apple product you should make sure you delete all digital accounts in Apple Pay. You may also reset your phone to factory settings which will also remove all digital accounts. If for any reason, you have forgotten, contact a KEMBA representative and we will be able happy to assist you with this.
More information is available at www.apple.com/apple-pay/ .
With Google Pay™, members can pay easily and safely with your Google™ account at millions of stores nationwide.
To add your KEMBA Debit or Credit Cards to Google Pay:

  1. Download the Google Pay app and open it.
  2. Sign into your Google™ Account and add your card.
  3. When you’re ready to pay, unlock your phone and hold it over the merchant’s contactless payment terminal. That’s it!
Learn more about Google Pay.


Google Pay FAQs

Google Pay™ is the new way to pay with your smartphone, offering simplicity, security and choice. Simply unlock your phone and place it near a contactless terminal, and your payment is complete.
Google™ Account
Google Pay App
Download the Google Pay app from the Google Play™ store or the App Store. If your KEMBA Financial Credit Union card is already linked to your Google Account, you can simply add it to the Google Pay app by confirming a few details.
1. Unlock your device (no need to open the app).
2. Hold the back of your device near a contactless payment terminal.
3. Your phone will beep or vibrate, and you’ll receive a confirmation on-screen letting you know the payment was made.
You can use any KEMBA card with Google Pay.
The first card you add to Google Pay will automatically become your default card. To change your default, do the following:
1. Open Google Pay.
2. Tap on your preferred card to get the “back of card” view.
3. Select “Set as default card”.
You’ll delete your old card from Google Pay and add your new one. To do this, do the following:
1. Open Google Pay.
2. Select the card you want to delete to get to the “back of card” view.
3. Select “Remove card”.
4. To add the new card, simply press the “+” symbol and follow the step-by-step instructions.
Yes. When you use Google Pay, your KEMBA card number isn’t stored on your phone or given to the merchant. A unique virtual account number is created specifically for that card on that device.
Since Google Pay doesn’t store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.
Adding your credit or debit cards to Google Pay is your choice; you can add and remove cards when needed.
Google Pay is accepted by millions of stores across the United States and online. Stores include McDonalds®, Best Buy®, Walgreens® and many, many more.
Yes. Be aware that message and data rates may apply, depending on your data plan.
More information is available at pay.google.com/about.








Samsung Pay® is a mobile payment solution that works almost anywhere you can swipe your card. Whether shopping at a food truck or big box store, enjoy security and ease-of-payment with the latest Samsung Galaxy® devices.

To add your KEMBA Debit or Credit Card to Samsung Pay:

  1. Find the app pre-installed on your phone or download it from the Google Play™ store.
  2. Sign in to your Samsung® account.
  3. Scan your fingerprint and enter a PIN so you can authenticate future purchases.
  4. Take a photo of your credit or debit card.
  5. When you’re ready to pay, simply unlock your phone and hold it over the merchant’s contactless payment terminal.
Learn more about Samsung Pay.


Samsung Pay FAQs

Samsung Pay® is a safe and simple way to make mobile payments with select Samsung® devices, and it works at almost any retailer where you can swipe or tap your card.
Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near-Field Communication (NFC) to make contactless mobile payments. MST and NFC enable you to make secure transactions at virtually every card reader where you can swipe or tap your card.
Samsung Pay works almost anywhere you can swipe or tap your card.
Samsung Pay is supported only on Samsung devices. For a complete list of compatible devices, smartwatches, and networks visit Samsung Pay Support.
You can use both your KEMBA Credit or Debit Card with Samsung Pay.
Compatible devices in supported countries have Samsung Pay installed when purchased. If you have an eligible device that does not have the app installed, you can download from the Google Play™ store.
When paying with Samsung Pay, you’ll receive and sign a receipt for your purchases, just as you would with a physical card. You won’t receive a separate physical or digital receipt from Samsung Pay.
Returns made through Samsung Pay are handled the same way as with your physical card in accordance with the store’s policies. If you return an item paid for through Samsung Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.
Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a notification with your transaction details will be sent to your device after each Samsung Pay purchase. Note: notifications require an active internet connection.
The card displayed in Samsung Pay won’t always exactly match your physical card. The key points to look for are:

  1. The card issuer
  2. The card network
Cards can be easily added to Samsung Pay by using your device’s camera to scan in your card’s information or by manually inputting the card information yourself.
The average amount of time it takes before your card is fully active for use after being added and verified will vary slightly between issuers, but shouldn’t take more than a few minutes. If you encounter any issues, please contact your card issuer for assistance. Don’t try to enter the same card multiple times.
More information is available at www.samsung.com/pay.








Mastercard Click to Pay is a secure, password-free option for making purchases and submitting other payments online with your KEMBA Mastercard Debit Card.






















Visa's Online Checkout lets you store your payment details securely, making the checkout process easier with your KEMBA Platinum Rewards Visa. It's available anywhere you see the Visa payment icon.































At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
Disclosures
Apple Pay, Apple, iPhone, Apple Watch, iPad, and Mac are trademarks of Apple Inc., registered in the US and other countries.
 
Google and Google Pay are trademarks of Google Inc., registered in the US and other countries.
 
Samsung Pay and Samsung Galaxy are trademarks of Samsung, registered in the US and other countries.
 
Mastercard and MasterPass are trademarks of Mastercard International Incorporated, registered in the US and other countries.
 
Visa is a registered trademark of Visa, Inc., registered in the US and other countries.

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