Digital wallets use tokenization to protect your card information. Instead of sharing your actual card number, the wallet generates a unique, random token for each transaction. This token is what the merchant sees and uses to process the payment, keeping your real card details hidden and secure. For example, when you add a card to Apple Pay or Google Pay, a token is created and used for all future purchases, providing an extra layer of security for both you and the merchant.
In a world where everything is digital, your payments should be too. Time is precious. Digital payments provide a quick and simple way to make secure purchases.
In your phone's wallet app, follow the on-screen instructions to add your Luana Savings Bank debit card.
We support the following mobile wallets:
How It Works
Digital wallets use tokenization to protect your card information. Instead of sharing your actual card number, the wallet generates a unique, random token for each transaction. This token is what the merchant sees and uses to process the payment, keeping your real card details hidden and secure. For example, when you add a card to Apple Pay or Google Pay, a token is created and used for all future purchases, providing an extra layer of security for both you and the merchant. Read more about tokenization here.
Why Am I Seeing Small Transactions on My Account?
Customers using digital wallets may notice small, temporary charges —often $0 to $2 — from merchants. These micro-transactions are authorization checks used to verify the card is valid and has sufficient funds before the full purchase amount is processed. They are micro-deposits from merchants to test the tokenization for subscription-based services to ensure future payments will work.
When Luana Savings Bank went live with the Digital Wallet feature, this meant other merchants that used tokenization could now see that Luana Savings Bank accepts this method of payment processing. Therefore, Luana Savings Bank customers may see $1.00 to $2.00 debits and offsetting credits hit their accounts to link the tokens. These are security features used by online payment processing vendors like Paypal.
Digital Wallet FAQs
How do Digital Wallets work? How is it secure?
What are the benefits to me, the cardholder?
A digital wallet is simply a new way for you to access your card, allowing you to pay at participating retailers by using your device.
What cards are eligible for the service?
All Luana Savings Bank debit cards are eligible.
The exact method varies by terminal or device, but in most cases, you will simply hold your device close to the contactless reader on the merchant terminal. You may need to unlock the device or enter a passcode before making the payment.
The number of merchants accepting digital wallet payments is growing every day. You should look for the following symbols to identify where they can use their digital wallet.
How do I add a card to my digital wallet?
On a qualifying device, you will need to download either Apple Pay or Google Pay and then follow the directions that are displayed.
Something went wrong when I tried to add a card to the wallet.
- Adding a card initially requires an active Internet connection for the duration of the process. Common reasons your cardholder’s request may have failed include:
- Network-related problems (bad or no Internet access
- TSP/Issuer/Digital Wallet Provider outage
- Device software/hardware issues
- Expired/reissued card
- Card blocked (for example: not activated, reported lost, etc.)
Because the real card information is never exposed, digital wallet payments are very safe. We recommend using your phone provider’s online or app version of “I've lost my device” and then put the device into Lost Mode. When you place your card in Lost Mode, your digital wallet will be suspended.
Apple Pay is a registered trademark of Apple Inc.
Google Pay is a registered trademark of Google LLC.
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