A digital wallet is a digital version of a physical wallet that can be used on a mobile device, laptop, smartwatch or tablet. Digital wallets store your payment information, allowing you to make purchases online and in-person without using a physical card.
Adding a card to a digital wallet
If you’re a Capital One cardholder, use these guides to learn how to add a card to your digital wallet:
Making purchases with a digital wallet
When shopping at a physical location, you can pay with most digital wallets by holding your device near a terminal with the contactless transaction symbol.
Use your digital wallet to pay for online purchases by selecting it as a payment option at checkout.
You may also be prompted to verify your identity by completing an additional security step. This may include using facial recognition, a fingerprint or entering your passcode.
What’s the difference between a digital wallet and a virtual card?
Digital wallets and virtual cards are both ways to keep your payment information more secure while also helping to make payments quicker and easier.
A digital wallet is a digital version of a physical wallet that can be used on a mobile device, laptop, smartwatch or tablet.
A digital wallet can store information for credit, debit and loyalty cards.
A virtual card is a unique 16-digit number that is assigned to your actual card when you make a purchase online at checkout.
The 16-digit number assigned to your virtual card is called a token and serves as a substitute for your physical card number so the merchant can’t access your real card information.
Where can I use a digital wallet?
You can use a digital wallet for most purchases with vendors that accept digital payments, including:
- Online: Digital wallets automatically fill in your information when shopping online.
- In person: Tap and pay with your mobile wallet on your smartphone, smartwatch or other mobile device when checking out in a store.
- In apps: Use your digital wallet for easier and more secure in-app purchases.
Do I still earn rewards if I use my Capital One card through a digital wallet?
When using a digital wallet, you earn rewards at the same rate as you normally would with your physical card.