Digital Wallet

Fast, easy and contactless checkout with the same security benefits as using a physical card.

Visa will process transactions similar to how they process your physical card transactions today except rather than receiving your actual card number, merchants will receive the unique virtual card number associated with your M&T credit, debit or Commercial card. M&T Commercial Cards are not eligible for use with Garmin Pay.

Designed with features to make checkout fast and convenient — whether you shop in store or online.

Contactless Checkout

Avoid touching frequently used public surfaces when you're shopping.

Quicker Transactions

Save time without looking for or opening your physical wallet. 

Great Benefits

Earn points on your eligible rewards card, add customer loyalty cards and take advantage of special offers from your favorite retailers.

Set up is as quick and convenient as using your Digital Wallet

  • Open or download the digital wallet app for your preferred provider: Apple Pay | Google Pay | Samsung Pay® | Garmin Pay™
  • Follow in-app prompts to add eligible M&T Card(s) as your payment method.
  • When checking out, select the digital wallet app for online purchases or look for the contactless icon  in stores.

We take extra steps to help keep transactions secure.

How we reduce the risk of exposure to fraud:

  • You'll only enter your personal information one time to start utilizing your Digital Wallet.
  • A virtual device-specific number is used during Digital Wallet checkout instead of your card number.
  • Purchases are protected by M&T Assurance® and Visa's Zero Liability Policy to monitor and cover unauthorized charges. 
M&T Assurance® does not apply to commercial card transactions.
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. See your cardholder agreement for more details.

Got questions? We're here to help?

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.

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

Visa® is a registered trademark of Visa International Service Association.
Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. 
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
​Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
​The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. 
M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, Samsung Electronics Co., Ltd. or Garmin Ltd.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.