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June 29, 2018

Pay With Just a Tap

From controlling the lights in our home to ordering coffee, there’s very little our mobile phones can’t do these days. It’s no wonder smart phones are even replacing our debit and credit cards.


MIDFLORIDA proudly supports Google PayApple Pay, and Samsung Pay for both debit and credit cards. These mobile wallets allow you to make purchases with your compatible device in stores and online.

How do they work?

Once a debit or credit card has been set up with a compatible device (called “provisioning”), you can simply pull out your phone when you’re ready to pay at an enabled terminal. 
There are two ways this happens, depending on the device you use.

  • Near Field Communication (NFC) is a technology that is used by Apple Pay and Google Pay, and is often referred to as “tap and pay.” With NFC, both the smartphone and the merchant’s terminal must be equipped to communicate with each other, which is why you don’t see this function available everywhere (though more and more merchants are adding this capability all the time). Learn more about Apple Pay and Google Pay.
  • Magnetic Secure Transmission (MST) is a technology that is currently exclusive to Samsung Pay. The card is read through the mobile device using the magnetic stripe, so MST only requires that a terminal be able to accept debit and credit cards with a magnetic stripe. This means that it is theoretically able to be used anywhere that accepts this form of payment. Learn more about Samsung Pay.

Security on the go

Mobile wallet technologies employ something called tokenization, which is a highly advanced type of encryption. Your card number is never stored on your device, and purchases cannot be authorized using the mobile wallet without your authorization, which means either entering a passcode or using your fingerprint.

Add your MIDFLORIDA cards to your wallet

Adding your cards to your mobile wallet is easy!  Depending on the type of device you have, you’ll simply follow the prompts in the Apple Pay, Google Pay, or Samsung Pay app.