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online Services
Mobile Payments
At A Glance
Accepted Everywhere You Go
Enjoy a faster, more secure way to make payments with your debit or credit card by adding it to your favorite mobile wallet, such as Apple Pay, Google Pay or Samsung Pay. Whether you're using your phone, watch, or other electronic device, you can quickly complete transactions without having your actual card in hand.
Quick & Convenient
Pay with a tap of your phone quickly and securely - just unlock your phone and hold it near a contactless reader (look for wave symbol).
Secure Purchases
Using encryption and tokenization, mobile wallets keep your card details safe. Your actual card number is never shared with merchants.
Keep Earning Rewards
You'll continue to earn the same rewards as you would when using your physical debit or credit card - no missing out on perks.
Add Your Card Directly from the MIDFLORIDA App
Getting started with mobile payments is even easier when you use our mobile app! Add your debit card or credit card in just a few taps.
Navigate to the Cards section in the app menu.
Select the card you want to use.
Tap the Add to Wallet button
How to Tap to Pay with Your Mobile Phone
Once your card has been added to your mobile wallet, look for the contactless payment wave symbol at checkout. Then, simply hold your phone near the payment terminal until the payment processes. You may have to authenticate using your phone's biometric feature, like fingerprint or facial recognition, or by entering your passcode.
Explore Other Mobile Payment Options
In addition to mobile wallets, you can also use services, like Venmo, PayPal or Cash App for quick and secure transactions. These apps allow you to link your checking account (using your account and routing numbers), debit card or credit card. Whether you're splitting a bill, sending money to friends or paying for services, these options provide flexible payment options.
Questions about adding your card to a mobile wallet?
Debit cards — (833) 381-2052 toll-free
Credit cards — (877) 602-9023 toll-free
Or contact us
Mobile Wallet FAQs
Here are some common questions to help you understand how to use your mobile wallet for payments.
Mobile payments refer to using your smartphone, smartwatch or other devices to make purchases. Instead of swiping a physical card, you can pay with your device by holding it near a contactless reader.
A mobile wallet is an app on your phone or device that stores a digital version of your debit card or credit card. Instead of keeping your actual card number, it uses a unique identifier (like a token or virtual account number) to process payments.
Yes, mobile wallets like Apple Pay, Google Pay, and Samsung Pay don't store your actual debit or credit card number. Instead, they use secure alternatives.
- Apple Pay uses a unique token (Device Account Number) instead of your card number.
- Google Pay assigns a virtual account number to your card for transactions.
- Samsung Pay also uses tokenization, replacing your card number with a secure token.
These methods ensure your actual card details are never shared with merchants, keeping your information safe.
Apple Pay: You can add up to 12 cards on newer devices and up to 8 cards on older devices.
Google Pay: You can add an unlimited number of cards, depending on your device's storage.
Samsung Pay: You can add up to 10 cards per device.
Yes, your card can be added to multiple devices. You'll be notified when your card is added to each device.
If you lose your phone or device, your payment information is protected, and you can take additional steps to secure your account. First, call MIDFLORIDA immediately at (863) 688-3733 or toll free (866) 913-3733 to report that your card information has been compromised. Additionally, with many phones, you can log into your phone's settings and lock or erase your phone remotely (using Apple's Find my iPhone, Google's Find My Device, or Samsung's Find My Mobile).
If you need to make a return for a purchase made with a mobile wallet, you may be asked to provide the cashier the last four digits of your device account number or virtual account number, depending on the type of mobile wallet used, instead of the last few digits of your card number. You can find this information in your mobile wallet app under card details. If needed, you may be asked to hold your phone or device near the payment terminal and authenticate, similar to how you completed the original purchase.
Yes. To remove your card, go to your mobile wallet app and tap the card you want to remove. In most cases, look for More Options or three dots to indicate more options. Then select Remove Card.
Terms for Adding Your MIDFLORIDA Credit Union Card to a Digital Wallet
These Terms for Adding Your MIDFLORIDA Credit Union Card to a Digital Wallet (the “Terms”) apply when you choose to add a MIDFLORIDA Credit Union credit card or debit card (“Card,” or “MIDFLORIDA Card”) to a Digital Wallet, such as Apple Pay®, Samsung Pay, Google Pay or any other digital wallet (collectively referred to as “Digital Wallet” or “Wallet”). In these Terms, “you” and “your” refer to the cardholder of the MIDFLORIDA Card, and “we,” “us,” “our,” and “MIDFLORIDA” refer to the issuer of your Card, MIDFLORIDA Credit Union. By using your Card, you acknowledge and agree to the following terms and conditions, the terms and conditions disclosed in the separate Credit Card Agreement, the Account Agreements and Disclosures, the Electronic Services Agreement and Disclosure, and any future amendments to these agreements or any other agreements applicable to a Card (collectively, the "Agreement"). IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ADD YOUR CARD TO ANY DIGITAL WALLET.
When you add a MIDFLORIDA Card to the Wallet, you agree to these Terms:
Adding Your Card. You can add an eligible MIDFLORIDA Card to the Wallet by following the instructions of the Wallet provider. Only Cards that we indicate are eligible can be added to the Wallet. If your Card or underlying account is not in good standing or if you are not a member in good standing of MIDFLORIDA, that Card will not be eligible to enroll in the Wallet. MIDFLORIDA Credit Union reserves the right to deny enrollment of any card. When you add a MIDFLORIDA Card to the Wallet, the Wallet allows you to use the Card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your MIDFLORIDA Card is accepted.
Your MIDFLORIDA Card Terms Do Not Change. The terms and account agreement that govern your Card do not change when you add your Card to the Wallet. The Wallet simply provides another way for you to make purchases with the Card. Any applicable interest, fees, and charges that apply to your Card will also apply when you use the Wallet to access your Card. MIDFLORIDA Credit Union currently does not charge you any additional fees for adding your Card to the Wallet or using your Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
MIDFLORIDA Credit Union Is Not Responsible for the Wallet. MIDFLORIDA Credit Union is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you and we are not responsible for the security, accuracy, legality, or any other aspect of the content or function of the Wallet or any third party’s products or services provided in connection with the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of your Card in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third‐party relationships that may impact your use of the Wallet.
Securing your Wallet. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet. You are solely responsible for maintaining the confidentiality and security of your Wallet, your IDs, passwords and any other means that you may have from time to time to access the Wallet and the device you use to access it. It is recommended that you use tracking features (e.g. “Find My iPhone”) to avoid loss of your device. You should notify us and the Wallet provider and request that we cancel your card if the device is lost or stolen, and it contains your MIDFLORIDA card information.
Contacting You Electronically and by Email. You consent to receive electronic communications and disclosures from us in connection with your Card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any MIDFLORIDA Credit Union account. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.
Removing Your MIDFLORIDA Card from the Wallet. You should contact the Wallet provider on how to remove a Card from the Wallet. We can also block a MIDFLORIDA Card in the Wallet from purchases at any time, after you contact us. We may require that you submit the request in writing.
Governing Law and Disputes. These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your MIDFLORIDA Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Card agreement.
Ending or Changing these Terms; Assignments. We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these terms, but you can terminate these Terms at any time by removing all MIDFLORIDA Cards from the Wallet. You may not assign these Terms.
Privacy. Your privacy and the security of your information are important to us. Our Privacy Notice (available online at: www.midflorida.com/privacy-notice) applies to your use of your MIDFLORIDA Card in the Wallet. You understand and agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Card transactions, and to improve our ability to offer these services. This information helps us to add your Card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.
Indemnity. You agree to indemnify, defend, and hold MIDFLORIDA Credit Union harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of your use of a Digital Wallet, any negligent or intentional action or inaction, and/or any breach of the Terms. You agree that this paragraph shall survive the termination of this agreement for any reason.
No Liability to Us for Your Use of a Digital Wallet Service. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND MIDFLORIDA CREDIT UNION IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. MIDFLORIDA CREDIT UNION MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.
Notices. We can provide notices to you concerning these Terms and your use of any MIDFLORIDA Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by mailing the notice to you at the current address we have on file for you. You may contact us at: (863) 688-3733 or toll free at (866) 913-3733 except if notice is otherwise required to be given to us in writing.
Questions. If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your MIDFLORIDA Card, then contact us at: (863) 688-3733 or toll free at (866) 913-3733 or write to us at: MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802-8008.
REFERENCES
MIDFLORIDA Credit Union disclosures can be found at www.midflorida.com/terms-and-conditions.
View our Privacy Notice
1/25/2021
When you add a MIDFLORIDA Card to the Wallet, you agree to these Terms:
Adding Your Card. You can add an eligible MIDFLORIDA Card to the Wallet by following the instructions of the Wallet provider. Only Cards that we indicate are eligible can be added to the Wallet. If your Card or underlying account is not in good standing or if you are not a member in good standing of MIDFLORIDA, that Card will not be eligible to enroll in the Wallet. MIDFLORIDA Credit Union reserves the right to deny enrollment of any card. When you add a MIDFLORIDA Card to the Wallet, the Wallet allows you to use the Card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your MIDFLORIDA Card is accepted.
Your MIDFLORIDA Card Terms Do Not Change. The terms and account agreement that govern your Card do not change when you add your Card to the Wallet. The Wallet simply provides another way for you to make purchases with the Card. Any applicable interest, fees, and charges that apply to your Card will also apply when you use the Wallet to access your Card. MIDFLORIDA Credit Union currently does not charge you any additional fees for adding your Card to the Wallet or using your Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
MIDFLORIDA Credit Union Is Not Responsible for the Wallet. MIDFLORIDA Credit Union is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you and we are not responsible for the security, accuracy, legality, or any other aspect of the content or function of the Wallet or any third party’s products or services provided in connection with the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of your Card in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third‐party relationships that may impact your use of the Wallet.
Securing your Wallet. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet. You are solely responsible for maintaining the confidentiality and security of your Wallet, your IDs, passwords and any other means that you may have from time to time to access the Wallet and the device you use to access it. It is recommended that you use tracking features (e.g. “Find My iPhone”) to avoid loss of your device. You should notify us and the Wallet provider and request that we cancel your card if the device is lost or stolen, and it contains your MIDFLORIDA card information.
Contacting You Electronically and by Email. You consent to receive electronic communications and disclosures from us in connection with your Card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any MIDFLORIDA Credit Union account. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.
Removing Your MIDFLORIDA Card from the Wallet. You should contact the Wallet provider on how to remove a Card from the Wallet. We can also block a MIDFLORIDA Card in the Wallet from purchases at any time, after you contact us. We may require that you submit the request in writing.
Governing Law and Disputes. These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your MIDFLORIDA Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Card agreement.
Ending or Changing these Terms; Assignments. We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these terms, but you can terminate these Terms at any time by removing all MIDFLORIDA Cards from the Wallet. You may not assign these Terms.
Privacy. Your privacy and the security of your information are important to us. Our Privacy Notice (available online at: www.midflorida.com/privacy-notice) applies to your use of your MIDFLORIDA Card in the Wallet. You understand and agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Card transactions, and to improve our ability to offer these services. This information helps us to add your Card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.
Indemnity. You agree to indemnify, defend, and hold MIDFLORIDA Credit Union harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of your use of a Digital Wallet, any negligent or intentional action or inaction, and/or any breach of the Terms. You agree that this paragraph shall survive the termination of this agreement for any reason.
No Liability to Us for Your Use of a Digital Wallet Service. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND MIDFLORIDA CREDIT UNION IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. MIDFLORIDA CREDIT UNION MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.
Notices. We can provide notices to you concerning these Terms and your use of any MIDFLORIDA Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by mailing the notice to you at the current address we have on file for you. You may contact us at: (863) 688-3733 or toll free at (866) 913-3733 except if notice is otherwise required to be given to us in writing.
Questions. If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your MIDFLORIDA Card, then contact us at: (863) 688-3733 or toll free at (866) 913-3733 or write to us at: MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802-8008.
REFERENCES
MIDFLORIDA Credit Union disclosures can be found at www.midflorida.com/terms-and-conditions.
View our Privacy Notice
1/25/2021
