Digital Wallet

Pay for purchases with a simple tap or swipe of your smartphone.
The days of digging into your pockets every time you go shopping, dining out or to entertainment venues are over. Chances are, your smartphone is within easier reach. Just link it to your Empower FCU credit or debit card and you can make quick payments without cash, checks or even the cards themselves.
  • Works with most Samsung, Apple and Android mobile devices
  • Follow simple instructions to link your Empower debit or credit card - or both
  • Choose which card you want to use for each purchase
  • Security safeguards prevent personal and financial data from being shared with merchants
  • All Mobile Wallet purchases are automatically recorded on your Empower Online Banking page for later review   
Apple Pay
  • Easy and secure. Card details are not stored on your device, and are never shared with merchants. With Apple Pay, a unique Device Account Number is assigned. When you make a purchase, a transaction-specific dynamic security code is also created, so your card number is never used for a purchase.
  • Adding Empower cards to Apple Pay. To use your Empower debit or credit cards with Apple Pay, you must add them to Passbook. Within the app, just tap the plus sign and follow the onscreen instructions.
Look for these symbols at checkout:

Apple Pay symbols
Google Pay
Google Pay offers multiple layers of security and increased convenience.
  • Online or in app: Check out quickly and securely
  • Pay others: Send or request money. All you need is an email address or phone number.
  • In Store: Widely accepted in stores and offers additional security. Google uses an encrypted number instead of the actual card number.

Look for these symbols at checkout:

Apple Pay symbols


Samsung Pay

Carry your Empower credit and debit cards, along with gift cards and membership cards on your device. Samsung Pay constantly monitors your supported Samsung device to keep your information safe.

Look for this symbol at checkout:

Look for this electronic symbol at checkout
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Frequently Asked Questions

Samsung Pay is a mobile payment platform (similar to Apple Pay or Google Pay) that members with compatible Samsung devices can utilize to make mobile payments anywhere Samsung Pay/MasterCard is accepted.

Samsung Pay, similar to other mobile payment platforms, utilizes the NFC (Near Field Communication) capabilities of compatible mobile devices to securely exchange payment information with the merchant’s card terminal. Samsung Pay differs from other payment platforms by utilizing a patented Samsung technology known as “Magnetic Secure Transmission” or MST, which simulates the swipe of a card’s magnetic strip at the terminal. This allows your device to communicate with certain terminals that do not typically accept mobile payments.

When you enroll in Samsung Pay, your card information is “tokenized”- sensitive information is removed and replaced with a randomly generated, placeholder called a token. When you utilize Samsung Pay, the card information is not shared with the merchant but rather a virtual card number that represents your actual card number. Additionally, when making a payment using Samsung Pay, verification is required on the users end on the device they are utilizing, either by entering a PIN set up by the user, or with biometric security (fingerprint or iris scan).

Anywhere mobile payments are accepted. Most modern terminals are capable to accept mobile payments. Look for this symbol on the terminal:
Look for this electronic symbol at checkout

Some merchants may mandate that a PIN be used with a Samsung Pay transaction performed with your debit card, causing the transaction to be a PIN debit transaction. This is a setting on the merchant’s end. If you've exceeded the 10 free PIN transactions allowed per month, you will be assessed the $2 fee per transaction. To avoid these fees, it is best to utilize the physical card and run as a credit transaction. 
Your life is on the go.
So is your banking.
  • View account balances and history
  • Transfer funds between accounts
  • Pay bills quickly and easily 
  • Find an ATM or branch location