
Discover digital cards are designed to make everyday shopping and payments a breeze. You can use them in-store, online, or even in-app.
With a Discover digital card, you can enjoy zero-liability protection, which means you're not responsible for unauthorized transactions. This is a huge benefit, especially when shopping online or using public Wi-Fi.
You can also earn cashback rewards with a Discover digital card, which can be redeemed for statement credits or direct deposits into your bank account. For example, you can earn 5% cashback on certain purchases, like gas and dining.
Discover digital cards often come with no foreign transaction fees, making them a great choice for international travelers. This can save you a significant amount of money on transactions made abroad.
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Security and Safety
Digital wallets like Discover's Digital Card offer a secure way to make transactions. Your account information is protected by enhanced security features such as tokenization and authentication.
These features make it difficult for unauthorized parties to access your information. Your transactions are also monitored by Discover's risk and fraud detection systems.
Discover's Digital Card comes with a $0 Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your card. This gives you peace of mind when making purchases online or in-store.
Using a digital wallet like Discover's Digital Card provides a few key security benefits. Here are a few:
- A mobile wallet allows you to use contactless payment, so you're not handing your card to a stranger.
- Digital wallets use tokens (a substitute for your private account number), so your actual card number isn’t with merchants.
- It’s harder for someone to use cards on your smartphone than it would be if they found your wallet full of credit cards on the street.
Security of Digital Wallet Transactions
Digital wallets are designed with enhanced information security features to protect your account and make it hard for unauthorized parties to access your information.
Tokenization and/or authentication are used to secure digital wallet transactions, giving you an extra layer of protection.
Digital wallets also inherit the security benefits of your physical credit card, such as Discover card.
Your transactions are monitored by Discover's risk and fraud detection systems, keeping a close eye on any suspicious activity.
You're also protected by Discover's $0 Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card.
This guarantee gives you peace of mind, knowing you're fully protected in case something goes wrong.
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Enhance Card Security
Using a digital wallet provides a few security benefits. You can use contactless payment, so you're not handing your card to a stranger.
Digital wallets use tokens, a substitute for your private account number, so your actual card number isn't with merchants. This makes it harder for someone to use your card if they find your phone.
It's also easier to keep track of your card's activity in a digital wallet. You can monitor your transactions and detect any suspicious activity more easily than if you were carrying a physical wallet.
Here are some ways digital wallets enhance card security:
- A mobile wallet allows you to use contactless payment.
- Digital wallets use tokens to protect your account number.
- It's harder for someone to use your card on your smartphone than if they found your wallet full of credit cards.
With a digital wallet, you also get the security benefits of your physical Discover card, including Discover's $0 Fraud Liability Guarantee. This means you're never responsible for unauthorized purchases on your Discover card.
Digital Wallet Options
You can link your Discover Digital Card to a digital wallet of your choice.
There are several types of digital wallets, including those offered by digital outlets like Apple, Samsung, and Google, as well as those offered by banks and financial services.
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You can use digital wallets like Apple Pay to make payments, including paying taxes with your linked Discover card.
The IRS accepts Apple Pay and other digital wallets like PayPal and Click to Pay for payments by debit and credit card.
Digital wallets offer a convenient and secure way to make contactless payments with your smartphone or smartwatch.
Types of Digital Wallets
Digital wallets come in various forms, each with its own unique characteristics.
There are digital wallets offered by tech giants like Apple, Samsung, and Google, which are integrated into their respective ecosystems.
These wallets, such as Apple Pay, Samsung Pay, and Google Pay, allow users to store payment credentials on their mobile devices for easy transactions.
Another category of digital wallets is offered by banks and financial services, providing users with a secure way to manage their finances.
Individual merchants also offer their own digital wallets, which can be downloaded as an app to store payment credentials for specific stores or services.
Using a Digital Wallet
Using a digital wallet is a breeze, and it's not much different from swiping or inserting your credit card. You simply hold your phone over or tap a payment terminal.
Some digital wallets may include additional perks, such as integrating with loyalty cards and rewards programs, or letting you buy and store merchant gift cards.
You can pay with a digital wallet at many places, including grocery stores, gas stations, restaurants, and drugstores. Just add your credit or debit card to the digital wallet, and you're good to go.
The IRS accepts Apple Pay, which means you can use it to pay taxes. You can link your credit or debit card to Apple Pay and make a payment.
Digital wallets are accepted by virtually everyone, thanks to the COVID-19 pandemic trend of contactless payments.
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Convenience and Payment
You can make fast, easy, and secure contactless payments with your smartphone or smartwatch using a digital wallet. This is a huge trend in the wake of the COVID-19 pandemic and is accepted by virtually everyone across the globe.
A digital wallet offers more security, as your transactions are private and protected, and your card can't be stolen or skimmed by identity thieves. Plus, as a Discovery Bank client, you keep enjoying the rewards that come with your bank card.
You can link your Discovery Bank credit or debit card to a digital wallet of your choice, such as Apple Pay, and start making tap-and-go payments today. Simply click on your preferred digital wallet to get started.
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Convenience and Payment
With a digital wallet, you can enjoy the convenience of making fast, easy, and secure contactless payments with your smartphone or smartwatch.
You can link your Discovery Bank credit or debit card to a digital wallet of your choice and start making tap-and-go payments today.
Digital wallets offer more security, with private and protected transactions, and your card can't be stolen or skimmed by identity thieves.
You can link your card to a digital wallet in just a few clicks, using your Discover login to have all your info filled in for you automatically.
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Adding your card is easy and quick, making it simple to start making contactless payments.
By adding your Discover Card to your digital wallet, you can help maximize your cash back rewards, from your weekly supermarket trip to gas and restaurant purchases.
You can double all the cash back you earn at the end of your first year, just for using your digital wallet.
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Use It Where You Shop Daily
You can use a digital wallet to make purchases at your favorite restaurants and shops, just like you do with your physical wallet. This is a great alternative to carrying around a bunch of cards.
Add your Discover Card to a Digital Wallet and make purchases right from your phone, tablet, or wearable device. This makes it easy to shop on the go.
Paying with a digital wallet typically involves holding your phone over a payment terminal or tapping it, which is not much different from swiping or inserting your credit card. If you have multiple cards stored in your digital wallet, you'll be prompted to select the one you want to use.
You can add your Discover Cards to your digital wallet to help you maximize your cash back rewards, from your weekly supermarket trip to gas and restaurant purchases. This can also help you earn more rewards.
Discovery Bank clients can enjoy all the benefits of their credit or debit cards on their favorite devices, making it easy to make fast, easy, and secure contactless payments.
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Frequently Asked Questions
Can I get a digital version of my credit card?
Yes, some credit card issuers offer virtual credit cards, with at least three major issuers currently providing this feature: American Express, Capital One, and Citi. Check with your card issuer to see if you can access a digital version of your credit card.
Sources
- https://www.discover.com/credit-cards/digital-wallets/
- https://www.discover.com/credit-cards/card-smarts/what-is-a-digital-wallet/
- https://www.discover.com/credit-cards/card-smarts/tips-for-using-mobile-wallet/
- https://www.discovery.co.za/corporate/blog-add-card-to-digital-wallet
- https://ficoforums.myfico.com/t5/Credit-Cards/IRS-tax-payment-with-Discover-5-digital-wallet/td-p/6687953
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