Tap, pay, and be on your way
Credit card convenience, without the card
With Microsoft Wallet, you simply tap your phone on a contactless payment terminal, and your default credit or debit card is charged.
Many cards, one app
Store as many credit and debit cards as you want in your Microsoft Wallet so it's easy to make purchases with the card of your choice. Want to change cards? Switching takes just a tap of your finger.
Room for reward cards, too
Save all of your reward and membership cards—for stores, restaurants, health clubs, libraries, and more—in your Microsoft Wallet. As long as it has a bar code, it can be scanned right from your phone.1
A more secure way to pay
No need to share your card
When you pay for purchases, Microsoft Wallet does not share your credit or debit card number with the retailer, reducing the chance of fraud.
Extra security, every time
When you tap to pay, Microsoft Wallet sends a single-use transaction number and an encrypted security code that won't work for any other purchase, person, or device. This, plus the device PIN you use to unlock your phone makes paying with Microsoft Wallet more secure than using the actual card alone.
Lost phone? No problem
Others can’t pay using your Microsoft Wallet—even if they have your phone—because your card numbers aren’t stored on it and they don’t have your device PIN. Plus, you get extra peace of mind since you can show your lost phone on a map, lock it, or erase it remotely.FIND YOUR PHONE
Freedom to pay at over a million places
Use your Microsoft Wallet with the credit and debit cards from Visa and MasterCard that you already have.2
Works with the top banks
Count on Microsoft Wallet to work with cards from many major banks—with more being added all the time.3
Let your customers know that your retail location accepts Microsoft Wallet by displaying the Contactless Symbol and/or the Microsoft Wallet logo. Download the marketing kit.
Are you an issuing bank, credit union, or processor that is not currently working with Microsoft? Get started by contacting us.
Using Microsoft Wallet for contactless payments requires a supported Windows phone running Windows 10 and the Microsoft Wallet app, a supported credit or debit card that has been enrolled and linked to your Microsoft account, and a retailer that supports and has enabled contactless payments.
1 Using a membership card without a photo may not be allowed by some organizations.
2 Contact the card issuer to determine your card’s eligibility. Some banks may not support all card types.
3 Launch dates for each bank will be posted when available.