For general Personal and Business Card Digital Payment inquiries, call 1-877-334-9065

​A 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.

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.

​Look for the digital wallet logo or the contactless symbol at checkout.

​Your 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™ Apple®, Samsung or Garmin™ 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").

​Use your M&T personal and business debit or credit card(s) with Google Pay™, Apple Pay®, Samsung Pay and Garmin Pay™. Be sure to set your M&T Cards as the “Default Card” on your device.

​Immediately notify M&T. Personal or Business Card customers should call 1-877-334-9065. 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.

​If 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. 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.

​Yes, you can use Apple Pay®, Samsung Pay, Google Pay™ and Garmin Pay™ 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®, which helps to prevent, detect and resolve fraud
• Personal and Business Card purchases are covered by Visa Zero Liability{{d195*}}, so you won’t 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 so we can take action to help you.

​For 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 at checkout.

Open or download the digital wallet app for your preferred provider (ApplePay®, Google Pay™, Samsung Pay, Garmin Pay™), follow in-app prompts to add eligible M&T Cards as your payment method.