In addition to Apple Pay, now Samsung Pay and Android Pay are available to use with your Bank of Utah debit card. So, whether you are paying in a store or within apps, you can pay with just a tap with your supported mobile device.

Android Pay

Make payments with Android Pay at hundreds of thousands of stores accepting contactless payments. With just a tap, your payments are made in a simple, secure and private way. You can use Android Pay to make quick and easy purchases with your phone at contactless terminals in stores and in supported apps. An Android phone running Kit Kat (4.4), or higher and a Bank of Utah debit card is required. Your phone also needs to support NFC (Near Field Communication) and HCE (Host Card Emulation).

One of the great features of Android Pay is your debit card information is not exposed to the merchant. The card breaches you have heard in the news were attacks at the terminal level, which is to say the customer swiped their card and the account information was exposed to the breach. With Android Pay, instead of using your actual credit and debit card numbers when you add your card, a virtual account number is created for that card on your device. This number is different from your credit card number. Merchants do not store your card number.

How it Works
In order to use Android Pay in-store, a merchant must accept contactless payments. To identify if a merchant accepts contactless payments, look for at least one of these symbols in the store:
I877 android pay icon image

To pay with Android Pay in-store:
1. Wake up and unlock your device. No need to open the app.
2. Tap your device against the contactless payment terminal.
3. Your phone will show a green check mark and beep or vibrate to show your payment was made.

To make purchases within participating merchant apps on your Android device, simple select Android Pay at checkout. Your default card in Android Pay will be used to complete the transaction.

Where to Pay
You can pay anywhere Android Pay contactless payments are accepted. You can also make purchases within participating apps.
Visit the Android Pay Help Center at https://support.google.com/androidpay/ for additional instructions to set up your device.

Samsung Pay

Make payments with Samsung Pay at hundreds of thousands of stores accepting contactless payments. It makes transactions super easy. Just swipe up to launch the app, secure with your fingerprint, and hover over the card reader to pay.

And it’s safe — your purchases remain yours alone. Samsung Pay uses several layers of security. It keeps your payment information separate and doesn’t store or share it, so you can pay without worry.

How it Works
Currently, you must have the following device to enjoy Samsung Pay: Galaxy S7 edge, Galaxy S7, Galaxy S7 active, Galaxy S6 edge+, Galaxy S6 edge, Galaxy S6 active, Galaxy S6, Galaxy Note5. You must also use these supported carriers: AT&T, Cricket, MetroPCS, Sprint, T-Mobile, Verizon or US Cellular.

In order to use Samsung Pay in-store, a merchant must accept contactless payments. To identify if a merchant accepts contactless payments, look for at least one of these symbols in the store:
I877 samsung icons

To pay with Samsung Pay in-store:
1. Open the app.
2. Place your finger on the Home key to verify your identity. If you are using your Samsung Pay PIN, touch PIN and enter your four-digit code.
3. Tap your device against the contactless payment terminal.

Where to Pay
You can pay anywhere Samsung Pay contactless payments are accepted. You can also make purchases within participating apps.

Visit the Samsung Pay Help Center at http://www.samsung.com/us/samsung-pay/ for additional instructions to set up your device.

Apple Pay

Make payments with Apple Pay at hundreds of thousands of stores accepting contactless payments. With just a touch, your payments are made in a simple, secure and private way. An iPhone 6 or Apple Watch and a Bank of Utah debit card is required.

One of the great features of Apple Pay is your debit card information is not exposed to the merchant. The card breaches you have heard in the news were attacks at the terminal level, which is to say the customer swiped their card and the account information was exposed to the breach. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

How it Works
In order to use Apple Pay in-store, a merchant must accept contactless payments. To identify if a merchant accepts contactless payments, look for at least one of these symbols in the store:
I877 apple pay icons
To pay using an iPhone 6, hold your device near the contactless reader with your finger on Touch ID. You don't even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep let you know.

To pay with Apple Watch, just double click the side button and hold the display of Apple Watch up to the contactless reader. A gentle tap and beep confirm that your payment information was sent.

Where to Pay
You can pay anywhere Apple Pay contactless payments are accepted. You can also make purchases within participating apps on iPhone 6, iPad Air 2, and iPad mini 3. And more stores and apps are accepting Apple Pay every day.