Digital Wallet

Using your Andrews Federal Debit and Credit Cards, you can streamline online purchases and mobile payment solutions at more than 1 million stores across the U.S. 

How to Use Android Pay in Participating Stores:

1. Look for the Pay Wave® or Android Pay symbol at checkout and hold your phone near the contactless reader.  

2. Place your finger on the home key, Touch ID™ or you may need to enter a passcode and sign a receipt.

3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

With Android Pay™, choose your device, add your credit or debit cards, and you're all set. Wherever you are - at a store or in an app - you're set to pay with a simple touch of the finger.

Setup is Simple

  1. Android Pay comes pre-loaded on several devices. If your phone doesn’t have the app, simply download it from Google Play.

  2. If you already have a card in your Google account, simply add it to Android Pay by confirming a few details, or snap a picture of your Andrews Federal card.

  3. Simply unlock your phone and tap to use Android Pay.

When you shop at a merchant, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead Android Pay uses a virtual account number to represent your account information — so your card details stay safe. As soon as you make a purchase, you’ll see a payment confirmation that shows you exactly where a given transaction happened, along with the merchant’s name and number. So it’s easy to catch any suspicious activity. 

Android Pay FAQs: 

  • Is Android Pay free?

    Yes. Be aware that message and data rates may apply, depending on your data plan.

  • Am I able to opt out of Android Pay at any time?

    Adding your credit or debit cards to Android Pay is your choice; you can add and remove cards when needed.

  • How are my privacy and personal information protected?

    Since Android Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

  • Are my payments safe with Android Pay?

    Yes. When you use Android Pay, your Andrews Federal card number isn't stored on your phone or given to the merchant. A unique virtual account number is created specifically for that card on that device. You still enjoy all the benefits of your Andrews Federal credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

  • How do I change my default card to my Andrews Federal card?

    The first card you add to Android Pay will automatically become your default card. To change your default, do the following:

    1. Open Android Pay.
    2. Tap on your preferred card to get the "back of card" view.
    3. Select "Set as default card".
  • How do I pay with Android Pay?
    1. Unlock your device (no need to open the app).
    2. Hold the back of your device near a contactless payment terminal.
    3. Your phone will beep or vibrate, and you’ll receive a confirmation on-screen letting you know the payment was made.
  • How do I set up Android Pay?

    First, download the Android Pay app from the Google Play™ Store. If your Navy Federal card is already linked to your Google account, you can simply add it to the Android Pay app by confirming a few details. To add a new card, it’s as simple as snapping a picture.

  • What do I need to get started with Android Pay?

    Android™ device with OS KitKat or higher
    Google™ account
    Screen lock enabled

  • Which Andrews Federal cards can I use with Android Pay?

    You can use Andrews Federal consumer debit and credit cards with Android Pay.

  • What is Android Pay™?

    Android Pay is the new way to pay with your smartphone, offering simplicity, security and choice. Simply unlock your phone, place it near a contactless terminal and your payment is complete.

How to Use Apple Pay in Participating Stores:

1. Look for the Pay Wave® symbol at checkout and hold your phone near the contactless reader.  

2. Place your finger on the home key, Touch ID™ or you may need to enter a passcode and sign a receipt.

3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

With Apple Pay™, using your digital wallet you can make purchases with your iPhone® 6 at participating merchants. Apple Pay offers a unique way to make purchases with a simple touch of the finger using your Touch ID ™.

Setup is Simple

  1. Simply open the Wallet app on your iPhone 6 to get started.
  2. If you already have an Andrews Federal debit or credit card on file with Apple iTunes®, you can quickly import it into Apple Pay by entering the security code on the back of your card.
  3. Simply unlock your phone and wave to use Apple Pay.

With Apple Pay, your payments are confidential and secure. Apple Pay doesn’t save the details of your purchase. You never have to display your credit or debit card, you never have to disclose your personal information again, and your information stays where it should be, in your wallet. Passbook® stores your recent purchases for you to review at your own convenience. 

Apple Pay FAQs: 

How to Use Samsung Pay in Participating Stores:

1. Look for the Pay Wave® or Samsung Pay symbol at checkout and hold your phone near the contactless reader.  

2. Place your finger on the home key, Touch ID™ or you may need to enter a passcode and sign a receipt.

3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

Samsung Pay™ is a convenient new mobile payments service that lets you use your eligible Samsung device to make purchases almost anywhere you can swipe or tap your card. Andrews Federal members can now add their credit and debit cards to Samsung Pay and start making purchases at millions of merchant locations faster than ever before.

Setup is Simple

  1. Simply open the Samsung Pay app on your eligible device to get started.

  2. Your device’s camera will scan in your card information for you to approve, so all you have to do is secure your account with your fingerprint and a backup PIN.

  3. Just swipe up on your screen and authorize your payment using your fingerprint. To pay, hover your device close to the terminal where you’d usually swipe or tap your card.

To protect your information, Samsung Pay uses tokenization and fingerprint authorization. Tokenization generates a unique sequence of numbers (instead of transmitting your account information) every time you make a purchase. The “token” is encrypted and eliminates the need for merchants to store your card data on their networks. 

Samsung Pay FAQs: 

  • How can I add my card?

    Cards can be easily added to Samsung Pay by using your device's camera to scan in your card's information or by manually inputting the card information yourself.

  • How can I keep track purchases I've made with Samsung Pay?

    Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a notification with your transaction details will be sent to your device after each Samsung Pay purchase. Note: notifications require an active internet connection.

  • How do I return a purchase if I used Samsung Pay to make the payment?

    Returns made through Samsung Pay are handled the same way as with your physical card—according to the store's policies. If you return an item paid for through Samsung Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.

  • Will I receive a receipt after making a purchase with Samsung Pay?

    When paying with Samsung Pay, you'll receive and sign a receipt for your purchases, just as you would with a physical card. You won't receive a separate physical or digital receipt from Samsung Pay.

  • How do I get Samsung Pay?

    For Galaxy S6, S6 edge, S6 edge+ and Note 5, Samsung Pay will be automatically installed through a software update. Going forward, compatible devices in supported countries will have Samsung Pay preloaded when purchased.

  • In which countries will Samsung Pay be available, and when will Samsung Pay launch?

    Samsung Pay is launching initially in the United States and South Korea. Samsung is working to expand into additional countries.

  • Where can I use Samsung Pay?

    Samsung Pay works almost anywhere you can swipe or tap your card. From the grocery store to the coffee shop to your favorite clothing stores, Samsung Pay is the only mobile payment service that works at the majority of U.S. retail locations. In situations where you have to dip your card or in places where you don't swipe your card yourself (e.g. sit-down restaurants, hotels, auto shops.), it's better to use your actual card. Samsung Pay doesn't currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.

  • How does Samsung Pay work?

    Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near-Field Communication (NFC) to make contactless mobile payments. MST and NFC enable you to make secure transactions at virtually every card reader where you can swipe or tap your card.

  • What is Samsung Pay?

    Samsung Pay is a safe and simple way to make mobile payments with select Samsung Galaxy devices, and it works at almost any retailer where you can swipe or tap your card.

  • Which devices will support Samsung Pay?

    Samsung Pay is supported on the Galaxy S6, S6 edge, S6 edge+ and Note 5. Please visit www.samsung.com/pay for a full list of compatible devices.

  • Which cards can I add to Samsung Pay?

    You can use Andrews Federal consumer debit and credit cards with Samsung Pay.

How to Use Visa Checkout for your online payment:

1. Set up a Visa Checkout Account and enroll any major credit or debit card. Simply create a username and password, enter your payment and shipping information just once.

2. When it's time to buy, click the Visa Checkout button. Enter the same username and password and speed through checkout.

3. Confirm your purchase.

  • Terms for Adding Your Andrews Federal Credit Union Card to a Digital Wallet

    These Terms for Adding Your Andrews Federal Credit Union Card to a Digital Wallet (the “Terms”) apply when you choose to add an Andrews Federal credit card or debit card (“Card,” “Andrews Card”) to a Digital Wallet (“Wallet”). In these Terms, “you” and “your” refer to the cardholder of the Andrews Card, and “we,” “us,” “our,” and “Andrews” refer to the issuer of your Card, Andrews Federal Credit Union.

    When you add an Andrews Card to the Wallet, you agree to these Terms:
    1. Adding Your Card. You can add an eligible Andrews Card to the Wallet by following the instructions of the Wallet provider. Only Cards that we indicate are eligible can be added to the Wallet. If your Card or underlying account is not in good standing, that Card will not be eligible to enroll in the Wallet. When you add an Andrews Card to the Wallet, the Wallet allows you to use the Card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your Andrews Card is accepted. 
    2. Your Andrews Card Terms Do Not Change. The terms and account agreement that govern your Card do not change when you add your Card to the Wallet. The Wallet simply provides another way for you to make purchases with the Card. Any applicable interest, fees, and charges that apply to your Card will also apply when you use the Wallet to access your Card. Andrews Federal Credit Union does not charge you any additional fees for adding your Card to the Wallet or using your Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees. 
    3. Andrews Federal Credit Union Is Not Responsible for the Wallet. Andrews Federal Credit Union is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of your Card in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third?party relationships that may impact your use of the Wallet.
    4. Contacting You Electronically and by Email. You consent to receive electronic communications and disclosures from us in connection with your Card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Andrews Federal Credit Union account. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes. 
    5. Removing Your Andrews Card from the Wallet. You should contact the Wallet provider on how to remove a Card from the Wallet. We can also block an Andrews Card in the Wallet from purchases at any time.
    6. Governing Law and Disputes. These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Andrews Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Card agreement.
    7. Ending or Changing these Terms; Assignments. We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these terms, but you can terminate these Terms at any time by removing all Andrews Cards from the Wallet. You may not assign these Terms. 
    8. Privacy. Your privacy and the security of your information are important to us. Our Privacy Notice applies to your use of your Andrews Card in the Wallet. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Card transactions, and to improve our ability to offer these services. This information helps us to add your Card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. 
    9. Notices. We can provide notices to you concerning these Terms and your use of an Andrews Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1.800.487.5500 (within the US) or 0.800.487.56267 (outside the US).
    10. Questions. If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Andrews Card, then contact us at: 1.800.487.5500 (within the US) or 0.800.487.56267 (outside the US).