Digital Wallet FAQs
Get answers to frequently asked questions about the benefits of using your mobile device鈥檚 digital wallet.
For general Digital Payment inquiries:
Personal and Business Card Customers. Call听1-877-334-9065
Commercial Card Customer. Call听1-855-422-0001
鈥婣 digital wallet uses contactless payment technology from an eligible device to allow merchants to receive customer payments.
A digital wallet creates an electronic version of your M&T Card(s), assigning them a device account number or virtual account number for added protection. Once created, you can use your digital wallet at participating merchants who accept this form of payment.
鈥婰ook for the digital wallet logo or the contactless symbol听
at checkout.
鈥媃our 16-digit M&T card number(s) will be replaced with a device account number or virtual account number, that can be securely stored on your devices, and used for purchases. Your M&T card numbers are NOT stored on the device or on Google鈩 Apple庐, Samsung or Garmin鈩 servers. This helps reduce the potential for fraud and simplifies checkout by eliminating the need for multiple card number entries when purchasing items in mobile applications (i.e., "in-app").
鈥婾se your M&T personal and business debit or credit card(s) or your M&T Commercial card with Google Pay鈩, Apple Pay庐, Samsung Pay听and Garmin Pay鈩. Be sure to set your M&T Cards as the 鈥淒efault Card鈥 on your device.
鈥婭mmediately notify M&T. Personal or Business Card customers should call 1-877-334-9065 and M&T Commercial Card customers should call 1-855-422-0001. You should also notify your phone carrier if your phone is lost or stolen. M&T will place a hold on your device account number or virtual account number without impacting your M&T card. Your device account number is different than your card number, and therefore, your M&T plastic cards will not be affected and can still be used.
鈥婭f your M&T plastic card is lost or stolen, please notify M&T immediately. Personal and Business Card customers should call 1-800-724-1552 and M&T Commercial Card customers should call 1-800-443-8671. We will cancel your card and issue you a new card. Once you activate your new card, you will need to follow the steps for enrolling that card in a digital wallet.
鈥媃es, you can use Apple Pay庐, Samsung Pay, Google Pay鈩 and Garmin Pay鈩 when traveling internationally at stores that accept contactless payments.
Note: foreign transaction fees may apply.
Security is our first priority at M&T, and digital wallets use extra security measures to help keep transactions secure. Those requests include:
- Enrollment verification requests when adding your card
- Use of tokenization, where your card number is replaced with an encrypted digital token for each transaction
- Your device does not retain or save your card data
- Personal and Business Card transactions are covered by M&T Assurance庐, which helps to prevent, detect and resolve fraud
- Personal and Business Card purchases are covered by Visa Zero Liability{{d195*}}, so you won鈥檛 be held liable for unauthorized transactions.
If you believe you have been a victim of fraud related to your M&T accounts, notify us immediately. Personal and Business Card customers should call 1-800-375-8097 and Commercial Card customers should call 1-800-443-8671, so we can take action to help you.
鈥婩or security purposes, we may ask you for additional information to verify your identity. Simply follow the options on your device to complete enrollment, then you can begin using you digital wallet anywhere that accepts contactless payments, just look for the logo or the contactless symbol听at checkout.
- Go to the Garmin听Connect鈩⑻齅obile app on your smartphone
- Tap the Garmin Devices section (located under the More tab, right above the Settings menu), and choose your device.
- Select Garmin Pay
- Tap Create Your Wallet and from there you will be prompted to create a four-digit passcode
- Add your M&T card
- On your watch, press and hold the action button to bring up the Navigation Controls menu.
- Tap the virtual wallet icon and enter your four-digit passcode
- Once the wallet is open, your last used card will automatically appear, but you can swipe down for more card options
- Hold your wrist near a contactless card reader
- The outer edge of your watch face will light up green after a few moments to indicate the purchase is complete.
Digital wallets streamline transactions, eliminating the need for physical cash or cards. This results in faster, more secure, hassle-free payments, especially useful for busy individuals.
Open or download the digital wallet app for your preferred provider (ApplePay庐, Google Pay鈩, Samsung Pay, Garmin Pay鈩), follow in-app prompts to add eligible M&T Cards as your payment method.
