Digital Wallet

Samsung Pay

Pay almost anywhere you can swipe or tap your card

Simply add your ORNL FCU credit and debit cards to the Samsung Pay app on the newest Samsung Galaxy devices. Just swipe up to launch the app, secure with your fingerprint, and hover over the card reader to pay.

Samsung Pay is secure. It uses a virtual card number called a token, so the merchant never receives your actual card number.

Download Samsung Pay for Mobile

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How to Use

1. Add your eligible credit and debit cards to the Samsung Pay app. You're now ready to use Samsung Pay to make purchases.

2. Hold your eligible Samsung phone directly over the payment terminal and authorize it with the touch of your finger.

Learn More About Samsung Pay
Samsung Pay FAQs
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.

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.

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.

Which devices will support Samsung Pay?

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

Which cards can I add to Samsung Pay?

You can use both your ORNL FCU credit or debit cards with Samsung Pay.

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.

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 pre-loaded when purchased.

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 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.

How can I keep track of 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.

When I add my ORNL FCU card to Samsung Pay, it doesn't look like the card in my wallet. Why?
The card displayed in Samsung Pay won't always exactly match your physical card. The key points to look for are:
1. the card issuer
2. the card network
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 many cards can I add into Samsung Pay?

You can add up to 10 cards using Samsung Pay. Both credit cards and debit cards can be added.

How long will it take for my card to activate after adding it to Samsung Pay?

The average amount of time it takes before your card is fully active for use after being added and verified will vary slightly between issuers, but shouldn't take more than a few minutes. If you encounter any issues, please contact your card issuer for assistance. Don't try to enter the same card multiple times.

Where can I get more information on Samsung Pay?

More information is available at https://www.samsung.com/us/samsung-pay/.
Disclaimer

Available on Galaxy S6, S6 edge, and other select Samsung devices. See Samsung site for complete list.

MasterCard, Visa and American Express will process transactions similar to how they process your physical card transactions today except most merchants won't have access to your actual card number; they will receive the unique virtual card number associated with your credit or debit card. MasterCard must provide your actual card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions.

Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

Google Pay

Make purchases quickly and securely with a simple tap

Add your ORNL FCU credit and debit cards to the Google Pay app (formerly Android Pay). Tap your phone to make purchases at participating stores. With contactless payments, the merchant never receives your card number. If the merchant’s system is breached, your information is secure.

Download Google Pay for Mobile

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How to Use

1. Add your eligible credit and debit cards to the Google Pay™ app. You're now ready to use Google Pay to make purchases.

2. Simply unlock your phone, hold it near the contactless terminal at participating stores and follow the prompts.
Google Pay FAQs
What is Google Pay^™?

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

What do I need to get started with Google Pay?
- Android^™ device with OS KitKat or higher
- Google^™ account
- Screen lock enabled
How do I set up Google Pay?

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

How do I pay with Google 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.
Which ORNL FCU cards can I use with Google Pay?

You can use consumer debit and credit cards with Google Pay.

When I add my ORNL FCU card to Google Pay, it doesn't look like the card in my wallet. Why?

Google Pay uses a graphical representation, not an exact replica of your card.

How do I change my default card to my ORNL FCU card?

The first card you add to Google Pay will automatically become your default card. To change your default, do the following:
1. Open Google Pay.
2. Tap on your preferred card to get the "back of card" view.
3. Select "Set as default card".
How do I replace an old ORNL FCU card with my new card on Google Pay?

You'll delete your old card from Google Pay and add your new one. To do this, do the following:
1. Open Google Pay.
2. Select the card you want to delete to get to the "back of card" view.
3. Select "Remove card".
4. To add the new card, simply press the "+" symbol and follow the step-by-step instructions.
Are my payments safe with Google Pay?

Yes. When you use Google Pay, your ORNL FCU 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 ORNL FCU credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

How are my privacy and personal information protected?

Since Google 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.

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

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

Which merchants are participating?

Google Pay is accepted by more than a million stores across the United States. Stores include McDonalds^®, Best Buy^®, Office Depot^®, Walgreens^® and many, many more.

Is Google Pay free?

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

Where can I get more information on Google Pay?

More information is available at https://pay.google.com/about/.
Disclaimer

Google Pay is available for any NFC- and HCE-enabled Android device running KitKat 4.4+.
MasterCard, Visa and American Express will process transactions similar to how they process your physical card transactions today except most merchants won't have access to your actual card number; they will receive the unique virtual card number associated with your credit or debit card. MasterCard must provide your actual card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions.

Apple Pay

Use Your ORNL FCU Debit or Credit Card With Apple Pay

Use your ORNL FCU Visa® Platinum Rewards Credit Card and Visa Check Card with Apple Pay™. It's the easy, secure way to pay with Touch ID Apple devices. Once you're enrolled in Apple Pay, you can make purchases and check out with a simple touch of your finger.

Add ORNL FCU Cards to Apple Wallet

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Adding Your ORNL FCU Cards to Apple Pay

To add your ORNL FCU credit or check card, you'll need an iPhone® 6 or iPhone 6 Plus with iOS 8.1 or later. Simply open the Passbook® app, swipe down and tap the plus sign. Use your iSight® camera to enter the card, or add it manually.

1. Click on the Settings icon on your device
2. Open "Passbook & Apple Pay"
3. Click on "Add Credit or Debit Card" on the Passbook & Apple Pay screen
4. If your ORNL FCU Visa credit or debit card is already connected to your iTunes account just enter the card’s security code to enroll
5. If your ORNL FCU credit or check card card is not currently connected to your iTunes account, it’s still easy to add it into Apple Pay. Snap a picture of your ORNL FCU credit or check card card with your iPhone or iPad camera, OR enter your card number and payment information using your device keyboard
Setting Your ORNL FCU Card as Your Default Card
After you've enrolled your ORNL FCU credit or check card card, it's easy to make it your
default payment option:
- If your ORNL FCU card is the first card you enrolled into Apple Pay, you don't have to do anything! It is already your default card.
- If a different card is your current default, just open "Passbook & Apple Pay" (in Settings), then click "Default Card" and select the ORNL FCU Visa credit or debit card in the displayed list of your enrolled cards.
To Use Apple Pay in Stores:

Look for the contactless and Apple Pay symbol at the register

Hold your iPhone near the contactless reader with your finger on Touch ID™

Keep your phone by the contactless reader until it vibrates and
beeps indicating your payment was accepted

Please keep in mind the following about Apple Pay: For security purposes, Apple Pay uses a Device Account Number which is a unique number assigned to each card.

In participating apps, checking out is as easy as selecting Apple Pay and placing your finger on Touch ID.

To learn more about Apple Pay please visit www.apple.com/apple-pay.

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Apple Pay FAQs
1. What is Apple Pay?

Apple Pay* allows you to pay for your purchases with your iPhone^® 6 or iPhone 6 Plus by holding your phone near a contactless reader. You can also use your phone, iPad Air^™ and iPad Mini^™ 3 to pay within certain apps.

2. What do I need to get started with Apple Pay?
- iPhone 6 or iPhone 6 Plus to pay in stores and within apps
- iPad Air 2 or iPad Mini 3 to pay within apps
- iOS 8.1 or later
- Touch ID^™ or passcode on your device
- iCloud^® account
3. Which ORNL FCU card can I use with Apple Pay?

You can use all ORNL FCU consumer credit and debit cards, as well as our Business credit and debit cards.

4. When I add my ORNL FCU card to Apple Pay it doesn't look like the card in my wallet. Why?

Apple Pay uses a graphical representation, not an exact replica of your card.

5. How do I change my default card to my ORNL FCU card?

The credit or debit card associated with your iTunes^® account or the first card you add to Passbook^® is your default card. To change your default card:
1. Go to "Settings > Passbook & Apple Pay."
2. Tap "Default Card."
3. Choose a new card.
6. How do I replace my old ORNL FCU card with my new card on Apple Pay?

You'll delete the old card from Apple Pay and add the new card. To delete the old card, go into "Settings," open "Passbook & Apple Pay," select the card you want to delete and tap "Remove Card." To add your new card, simply follow the easy step instructions.

7. Are my payments safe with Apple Pay?

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

8. How are my privacy and personal information protected?

Since Apple 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.

9. Am I able to opt out of Apple Pay at any time?

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

10. Which merchants are participating?

You can use Apple Pay at more than 220,000 locations, including Bloomingdale's^®, McDonald's^®, Macy's^®, Nike^®, Duane Reade^TM and Staples^®.

11. Is Apple Pay free?

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

12. Where can I get more information on Apple Pay?

More information is available at apple.com.
Disclaimer

Apple and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, the Apple logo, iPhone and Passbook are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

VISA Checkout

Make online shopping more enjoyable

Visa Checkout makes online shopping more enjoyable by making it easy to complete your purchase. Simply enter your username and password and speed through your online shopping experiences with a single account that can be used across all your devices. No need to re-enter your card number or address. And you can store and use any major credit or debit card.

Enroll ORNL FCU Cards in Visa Checkout

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How to Register Your Card

To create a Visa Checkout account, just visit www.visacheckout.com and click “Create an Account.” You’ll be able to establish your initial profile, create your password and add payment methods & shipping addresses to your account.
You can also sign up for an account if you’re shopping on a website that accepts Visa Checkout. When you see the Visa Checkout option, select it and follow the enrollment steps.
How to Choose Visa Checkout When Buying Online.
Which Online Merchants use Visa Checkout?

A list of online stores currently accepting Visa Checkout can be found here. Visa is continually adding to the list of online stores who accept Visa Checkout. Please check the site periodically for the latest merchant information.
VISA Checkout FAQs
What is Visa Checkout?

Visa Checkout makes online shopping more enjoyable by making it easy to complete your purchase. Simply enter your username and password and speed through your online shopping experiences with a single account that can be used across all your devices. No need to re-enter your card number or address. And you can store and use any major credit or debit card.

Some benefits of Visa Checkout include:
- Reducing the number of payment screens to just two, eliminating the need to reenter shipping and billing addresses
- Offering a consistent, simple experience across desktop, mobile web and apps
- Offering an experience which never requires shoppers to leave the merchant’s website to complete a purchase
- Offering the option to pay with any major debit or credit card
For more information about Visa Checkout, visit: www.visacheckout.com

Is there a cost to participate or fee to use Visa Checkout?

No, there is no cost to participate or fee to use Visa Checkout.

What information do I need to enter to create a Visa Checkout account?

You must enter your first name, last name, valid email address, phone number (optional) and create a password to set up your Visa Checkout account.

How is consumer information protected?

Visa has a wealth of experience in handling sensitive information. Visa uses advanced security technologies to help protect your information, including industry standard encryption and multilayer authentication.

I’ve successfully enrolled, now what can I do with Visa Checkout?

Once you’ve created your Visa Checkout account, you can use it to complete purchases without re-entering your payment and shipping information on any online store where you see Visa Checkout. Simply enter your username and password, or just your password if utilizing the ‘remember me’ option.

Here’s an overview of the things you can do in your account:
- Add more payment methods
- Edit card details
- Remove a payment method
- Set a default payment method and shipping address
- Add frequently used shipping addresses
Where is Visa Checkout accepted?

A list of online stores currently accepting Visa Checkout can be found at www.visacheckout.com. Visa is continually adding to the list of online stores who accept Visa Checkout. Please check the home site periodically for the latest merchant information.

How can I contact Visa Checkout customer support?

For questions regarding your Visa Checkout account, please contact Visa Checkout support at support@mail.checkout.visa.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7, except Christmas and New Year’s Day).

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​Samsung Pay

Pay almost anywhere you can swipe or tap your card

What is Samsung Pay?

How does Samsung Pay work?

Where can I use Samsung Pay?

Which devices will support Samsung Pay?

Which cards can I add to Samsung Pay?

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

How do I get Samsung Pay?

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

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

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

When I add my ORNL FCU card to Samsung Pay, it doesn't look like the card in my wallet. Why?

How can I add my card?

How many cards can I add into Samsung Pay?

How long will it take for my card to activate after adding it to Samsung Pay?

Where can I get more information on Samsung Pay?

Google Pay

Make purchases quickly and securely with a simple tap

What is Google Pay™?

What do I need to get started with Google Pay?

How do I set up Google Pay?

How do I pay with Google Pay?

Which ORNL FCU cards can I use with Google Pay?

When I add my ORNL FCU card to Google Pay, it doesn't look like the card in my wallet. Why?

How do I change my default card to my ORNL FCU card?

How do I replace an old ORNL FCU card with my new card on Google Pay?

Are my payments safe with Google Pay?

How are my privacy and personal information protected?

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

Which merchants are participating?

Is Google Pay free?

Where can I get more information on Google Pay?

​Apple Pay

Use Your ORNL FCU Debit or Credit Card With Apple Pay

1. What is Apple Pay?

2. What do I need to get started with Apple Pay?

3. Which ORNL FCU card can I use with Apple Pay?

4. When I add my ORNL FCU card to Apple Pay it doesn't look like the card in my wallet. Why?

5. How do I change my default card to my ORNL FCU card?

6. How do I replace my old ORNL FCU card with my new card on Apple Pay?

7. Are my payments safe with Apple Pay?

We make spending and saving simple.

Samsung Pay

What is Google Pay^™?

Apple Pay