We hope you found this helpful. Contactless transactions are just as secure as chip card transactions. See where to set up your Capital One card to make purchases with just a quick tap. 11. But features like virtual cards and contactless credit and debit cards can help too. Will I receive prompting information for fuel transactions? A mobile wallet is a type of digital wallet on a mobile device, like your smartphone or smartwatch. The tap-and-go process usually takes less than a second, making it quicker than inserting or dipping a chip cardand faster than using cash. The Customer ID the card is associated to is not enabled for Digital Wallet. Virtual cards are still linked to your credit card account, but they allow you to use a different card number to fill out payment information when you shop online. The card number is not entered correctly. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. And that can be much faster and easier than finding your physical card and then typing in several rows of information. This can help you declutter and avoid carrying a bunch of physical cards around with you. Your next question might be: How safe are digital wallets? Contactless credit and debit cards work a lot like mobile wallets. You can explore Capital Ones credit card benefits and learn about even more of Capital Ones credit card security features that can help you keep your money more secure and shop more conveniently. Learn more about what digital wallets are, how they work, and how they can help you keep your money more secure. No. Virtual cards help protect your credit card account from fraud by limiting the distribution of your physical card number. And in some cases, that token can only be used with a unique, encrypted code that gets applied to each individual transaction. For nonmobile digital walletsthink online shopping from a laptopyou might be prompted to log in or provide a password. Each contactless transaction creates a unique, one-time code or password. How? For specific advice about your unique circumstances, consider talking with a qualified professional. And what if your device is lost or stolen? There are many different types of digital wallets. Devices like smartphones, smartwatches, laptops and tablets have become a critical part of modern life. Digital wallets may use unique 16-digit tokens and encrypted, one-time codes to make checkout more secure and hide your full financial information from the merchant. Through the ease and added security features of a digital wallet. Digital wallets are just one way to make online or in-store shopping easier and more secure. Plus, your virtual cards will continue to work even if you replace your physical card and your actual card number changes. Many retailers now have updated payment terminals that are compatible with contactless payments like mobile wallets and contactless cards. Capital Ones credit card security features. What is a digital wallet and how does it work? They can store things like credit card information, loyalty cards and even tickets youve purchased. And that includes making purchases without needing your physical credit card. Here are a few examples of digital wallets and mobile payments: These are just some of the digital wallet and mobile payment options out there. The transaction is completed by simply holding or tapping the card on a contactless-enabled card reader. And it can make payments quick and easy. Digital wallets are exactly what they sound like, and they can be quicker and more secure than using physical cards or cash at checkout. With just a few clicks or taps, you can take care of countless everyday tasks. Virtual Cards Virtual card numbers allow you to shop online without giving vendors your physical card number. This reduces security risks since the code cant be used againand it can be read only by the card-processing network. And you might find that different ones suit your needs in different situations. When youre out shopping, you can pay with most digital wallets by holding your device near a terminal that has the contactless symbol (four curved lines). You can access that information from devices like your smartphone, smartwatch, computer or tablet. When you check out with a digital wallet, a unique 16-digit number, or token, is assigned to your card. To complete the transaction, you might be required to provide a passcode or authenticate through fingerprint or facial recognition. Curious to find out more ways to securely manage your money? Essentially a digital version of your real wallet, it can be used for quick and easy payments or easy access to loyalty cards and tickets across desktop, laptop, mobile devices and wearables. Theyre electronic versions of your physical wallet. Digital wallets are just one way to make online or in-store shopping easier and more secure. Here are just a few ways you can use your digital wallet: Now you know more about how digital wallets work and how to use them. Using these apps and setting up additional security, like fingerprint recognition and password protection, can help make your device more secure. Many of Capital Ones U.S.-issued credit cards and debit cards now feature contactless technology. Lastly, you can lock, unlock or delete your Capital One virtual cards at any time, giving you added control over your online shopping experience. This includes popular credit cards like Savor, SavorOne, Quicksilver, QuicksilverOne, Journey and Platinum, as well as 360 Checking debit cards. Digital wallets are exactly what they sound like. Learn more about FDIC insurance coverage. Plus, many devices have built-in digital wallets that support some of your favorite digital payment platforms. Digital wallets are electronic versions of your physical wallet and allow you to pay for things without using physical cards or cash. Think of it like this: A mobile wallet is a type of digital wallet, but not all digital wallets are mobile. Virtual card numbers allow you to shop online without giving vendors your physical card number. And most can hold several cards at once. A digital wallet allows consumers to make secure transactions with various devices. And that can come in handyespecially if youre out and about and realize you left your physical wallet at home. . But they can also refer to slightly different things. Capital One does . If your card is setup to prompt for an employee # or vehicle # when you swipe or dip your card, then Digital Wallet transactions will be declined. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. A digital wallet can store your payment information and be accessed on your desktop computer, laptop or mobile device. Basically, digital wallet is an umbrella term that includes mobile wallets. The terms digital wallet and mobile wallet are often used interchangeably. And before you sell or recycle your device, its a good idea to back up your data and then delete your personal information to help prevent things like identity theft and credit card fraud. From there, you can use the app to make purchases, pay someone directly or even use tickets for things like concerts or travel. Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. But features like virtual cards and contactless credit and debit cards can help too. 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