Mobile Wallets

Click to Pay is Mastercard’s better way to pay online featuring advanced payment technology built on industry standards and intelligent security from Mastercard. You can experience the future of secure, password-free checkout by looking for the Click to Pay icon where Mastercard is accepted.

You can check out with Click to Pay when you see the payment icon and the Mastercard logo.

Enrolling your Mastercard in Click to Pay is simple! Follow the below steps to get started:

1. Go to mastercard.com/clicktopay
2. Create your user ID by entering email and mobile phone number
3. Enter your Citadel Mastercard payment information
4. Enter billing and shipping information
5. Confirm enrollment

Citadel supports Mastercard Click to Pay across all of our Mastercard credit and debit card products.

Mastercard Click to Pay will be fast, simple and secure. Just look for the Click to Pay icon where Mastercard is accepted, then follow the below steps to begin.

• Enter your user ID
• Review your Citadel Mastercard payment and shipping information
• Confirm your purchase - it's that simple!

Click to Pay is Mastercard’s faster and smarter way to pay online –no more passwords to remember or accounts to create.

• No more passwords
• Take the hassle out of paying online.
• Smart security
• Intelligent security helps recognize you at checkout.
• Stay in control
• Store payment information securely in your profile – so it’s there when you need it.

To set up Google Pay, follow the steps below:

1. If you don’t already have Google Pay on your device, download the app from the Google Play™ Store and activate it.
2. In the Google Pay app on your device, touch the + sign to add a credit or debit card to pay using your phone.
3. Position your card in the camera frame to automatically enter your card information. Enter the security code found on your card and provide additional information as required.
4. Accept the terms of service and set your screen lock. (Activating Device Administrator is part of the Google Pay set up process.)
5. If requested, follow any additional steps to verify your card.

Click here to learn more.

Google Pay is accepted at over 1 million stores across the United States, and is now available in your favorite Android apps. With Google Pay, you can simply unlock your phone, place it near a contactless terminal, and you’re good to go.

Yes. In addition to earning Citadel rewards with every purchase, your loyalty points and offers are automatically applied at checkout when you tap at select merchants.

To make your Citadel card first in your digital wallet, follow the below steps:

1. From the Google Pay app, touch and hold the card to be used as the default payment card.
2. Drag it up to the top of the card stack, then release.
3. You are done!

If you want to learn more about NFC payments, you can click here for additional information.

To set up Apple Pay, follow the below steps:

1. Go into Settings on your mobile device, open Wallet & Apple Pay and select Add Credit or Debit Card.
2. Snap a photo of your card, or simply type the number in manually.
3. Start shopping. Your Citadel card is ready to use with Apple Pay!
4. For more information, click here to watch Citadel’s Apple Pay step by step how-to tutorial.

Yes. Apple Pay is accepted around the world. To learn more, click here.

Yes. Security and privacy are at the core of Apple Pay. When you add a credit or debit card to Apple Pay, the actual card numbers are not stored on the device or on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time, unique, dynamic security code, instead of using the security code from the back of your card.

Click here to learn more about Apple Pay.

To make your Citadel card first in your digital wallet, follow the below steps:

1. Go to Settings > Wallet > Apple Pay
2. Tap Default Card to select your Citadel credit or debit card as the default
3. You are done!

To set up Microsoft Pay, follow the below steps:

1. If you don’t already have the Microsoft Pay app on your Windows 10 device, download the app from the Microsoft Store and activate it.
2. Select “Add a Payment Card” or the “+” symbol.
3. Add your Citadel credit card or debit card by either entering in your information manually or select "Scan Your Card."
4. If prompted, complete the verification process by calling our Customer Service Center at 1-800-666-0191.

You can use your Lumia 650, Lumia 650 Dual SIM, Lumia 950, or Lumia 950 XL mobile device running Windows 10.

You can pay wherever you see the contactless payments symbol or the Microsoft Pay logo.

To make your Citadel card first in your digital wallet, follow the below steps:

1. Open the Microsoft Wallet app.
2. Tap to select the Citadel credit or debit card you want to use as your default card.
3. Once selected, tap "Set as my tap to pay card" or NFC reader on the payment terminal.

To set up Samsung Pay, follow the below steps:

1. From the Home screen, touch Apps.
2. Touch Samsung Pay.
3. Touch Add or, if this is the first payment card being added, touch Add a credit card or debit card.
4. Align your card inside the frame to automatically detect the card number and expiration date. Note: Touch Enter card manually if your device cannot detect the card information. Enter the remaining information and touch Next.
5. If necessary, select a method to authenticate your identity using a one-time password (OTP).
6. Use your finger or a stylus to enter your signature and touch Save.
7. Touch Done to complete the process.
8. For more information, click here to watch Citadel’s Samsung Pay step by step how-to tutorial.

Samsung Pay is accepted almost anywhere you can swipe or tap your credit or debit card.

Samsung Pay is safe and uses several layers of security. It keeps your payment information separate and doesn’t store or share it, so you can pay without worry.

Click here to learn more about Samsung Pay.

To make your Citadel card first in your digital wallet, follow the below steps:

1. Swipe from the bottom of the screen to the top to access your payment cards.
2. Swipe to the left or right to access additional cards that you have added to Samsung Pay. Note: The indicator dots below the card show how many payment cards are available.
3. Place your finger on the Home key to verify your identity. If you are using your Samsung Pay PIN, touch PIN and enter your four-digit code.
4. Place the back of your device against the card or NFC reader on the payment terminal.

*Note: If the connection is unsuccessful or too much time has elapsed, touch to retry. You will not be required to verify your identity. If necessary, complete the transaction on the payment terminal. For example, if you are using a debit card, you are still required to enter your Personal Identification Number (PIN). Some merchants/terminals may prompt you to verify that the total charges are correct, while others will require a signature.

To add a card to Garmin Pay, you will follow the below steps:

1. From your device page in the Garmin Connect™ Mobile app, select Garmin Pay > .
2. Follow the on-screen instructions to enter the card information and add the card to your wallet.

After the card is added, you can select the card on your watch when you make a payment.

Yes, Garmin Pay is secure. When you set up Garmin Pay, you’ll have to establish an authentication method to authorize payment using a Garmin 4-digit pin code. The merchants will only see this pin code, not your card information.

To change your Garmin Pay Passcode, you will follow the below steps:

1. From the vívoactive 3 device page in the Garmin Connect™ Mobile app, select Garmin Pay > Reset Passcode.
2. Follow the on-screen instructions.

The next time you pay using your vívoactive 3 device, you must enter the new passcode.

To make a purchase with Garmin Pay, you will follow the below steps:

1. Hold the light key at the top left of your screen.
2. Select 
3. Enter your 4-digit passcode.

*NOTE: If you enter your passcode incorrectly three times, your wallet locks and you must reset your passcode in the Garmin Connect™ Mobile app.

*TIP: After you successfully enter your passcode, you can make payments without a passcode for 24 hours while you continue to wear your watch. If you remove the watch from your wrist or disable heart rate monitoring, you must enter the passcode again before making a payment.

To set up Garmin Pay, follow the below steps:

1. From the Garmin Connect™ Mobile app, select the  or the .
2. Select Garmin Devices, and select your device.
3. Select Garmin Pay > Create Your Wallet.
4. Follow the on-screen instructions.

Leave your wallet at home and make mobile payments with your Citadel credit and debit cards right from your mobile device using Citadel's suite of Digital Wallet. With Citadel’s suite of digital and mobile wallets, you can use your mobile device to make secure payments quickly and securely. Add your Citadel debit or credit cards to Android Pay™, Apple Pay™ and Samsung Pay™, Masterpass and Microsoft Wallet today and start shopping.

No, there is no fee to utilize any of the digital wallet products, however, standard message and data rates may apply, depending on your data plan.

Adding your credit or debit cards to any of our digital wallet products is your choice; you can add and remove cards when needed.