10 Ways To Use Your Phone To Pay For Stuff

Apple Pay

Thanks to technology, paying for things is much easier. Mobile wallets allow you to pay for merchandise without needing to pull your wallet and search for your debit and credit cards. They also make it possible to repay a friend or use a store loyalty card without looking for it.

When you download a payment app on your phone, you would install your credit card information. Rather than using a physical card, you would just need to pull up the app and allow the cashier to scan it. Payment apps also make shopping online easier. You will not longer need to enter your card information or your shipping information when placing an order. There are a few very popular types of mobile wallets.

Apple Pay

If you have an iPhone 6, an iPhone 6 Plus, or the newer versions of this phone, you can use Apple Pay. There are millions of stores around the world who accept this form of payment. There are also plenty of national chains that take it as well, such as Walgreens, Staples, and Trader Joe’s. You can also use Apple Pay to make purchases online through certain apps or on the site that you are surfing on the Safari browser. If you aren’t sure what sites accept Apple Pay, you should just look for the Apple logo on the payment screen.

Not only can you use Apple Pay in the U.S., it is also accepted in many other countries. The best part about Apple Pay is that it is a very secure method of payment. In order to make a transaction, you would need to enter a passcode or a Touch ID. Your card information is not stored on your device. This will keep your information safe if your phone is lost or stolen. Also, Apple doesn’t share your information with merchants and they don’t store your information on their servers.

Android Pay

Android Pay is available on all Android devices. It is accepted at millions of restaurants and stores in the United States. Many large chains also accept Android Pay, including Babies “R” Us, Fuddruckers, and Jamba Juice. Certain merchants will automatically include special offers and loyalty points so that you don’t need to show your card at the register. Android Pay also makes online shopping easier. You can use this method when shopping on sites using the Chrome browser and in certain apps. When you pay online,Android Pay will enter all of the shipping and payment information for you, making it much easier to place an order. You don’t need to worry about security when paying with Android Pay.

To make a purchase, you would need to lock your phone. Transactions are completed using a virtual account number, therefore, your actual card number is never stored on the phone or sent with your payment. If your phone gets stolen or lost, you can use the Android Device Manager. It allows you to lock your phone, change the password, and then erase any personal information on your phone. Android Pay is one of the most secure ways to make a payment.


PayPal is one of the first payment apps and it is used often. There are a few retailers who accept PayPal and some restaurants. You can search for places that accept PayPal within the site and you can also view menus and place orders. Most people use PayPal when shopping online. If you receive payments through PayPal, you can use the PayPal Mastercard. It is a prepaid debit card which allows you to transfer your PayPal payments immediately, and it is accepted anywhere that accepts Mastercard. You can also use it at any ATM.

Retailer Apps

There are certain retailers that have their own payment apps, such as Starbucks, Dunkin Donuts, McDonald’s, and Taco Bell. Many of these allow you to load money to the card, receive special offers and place orders online so that you don’t need to wait in line. These cards also make excellent gifts. All you would need to do is purchase a card and download the app. Everything else can be done right from your phone. Many retailers offer free or discounted items to anyone who uses the app.

Money Transfer Apps

Money transfer apps make moving money easy and convenient. You can give money to friends and family members without even seeing them. You can also receive money from them. There are also certain businesses who accept payments through money transfer apps.

Google Wallet

Google Wallet is available on Android devices as well as iOS devices. As long as an individual lives in the United States and has a phone number and email address, you can send money, request money, and receive payments from them. Whether you are sending or receiving funds, it would be done through the debit card that you registered with the app. The best part is that there is no fee to use Google Wallet. When you receive money, you can transfer it to your bank account immediately, and you can spend it within minutes. This is a very secure way to send and receive money. In order to use the app, you must enter your PIN number first. If you lose your phone or if it gets stolen, you can block access to the account by visiting myaccount.google.com. Google will store your information on secure servers that are encrypted with SSL technology. Also, Google will monitor your account for fraud. If there are any unauthorized transactions on your account, Google would cover it 100 percent.


You can use Dwolla on Android, iOS, or Windows applications. It allows you to send and request money from other Dwolla users. There are also a few merchants who accept Dwolla payments. Anyone in the U.S. with a bank account can set up a Dwolla account. To send someone money, they must set up their own account. Some merchants will charge a transaction fee if you buy something through Dwolla. To use the mobile app, you would need to enter a PIN number. Finally, any money in your Dwolla account is not insured.

Venmo/Square Cash

When you use either of these options, you can send cash using your credit card. There is a 3 percent fee to use the service. They are available for iOS and Android systems.

Loyalty Storage Apps

If a store has an app for their loyalty card, it will keep you from digging through your wallet. This will get you through the checkout line faster.

Key Ring and CardStar

These apps allow you to store your loyalty cards and you will be notified by an alert of any special offers.

Passes in Apple Wallet

This allows your to store boarding passes, movie tickets, rewards cards, and coupons on your iOS devices. It keeps things more organized and they won’t get lost.

Technology has made making and receiving payments easier. By just using one of the mobile apps listed above, you can save time and money when you need to send or receive money.


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