Microsoft Wallet and Smartphone Payments Made Easy

Microsoft Wallet makes it easy to leave your cash and cards behind. With Microsoft Wallet, you can store your credit and debit cards digitally, making it a convenient option for everyday purchases.

You can add your cards to Microsoft Wallet by taking a photo of the card or manually entering the card information. This process is secure and can be completed in just a few minutes.

Microsoft Wallet supports a wide range of credit and debit cards, including Visa, Mastercard, and American Express. This means you can use the service with your existing cards, without needing to apply for a new card or account.

Microsoft Wallet also offers rewards and cashback programs, which can be redeemed for gift cards or statement credits.

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Microsoft Wallet has finally made its way to Windows 10 phones, but only for a limited group of users. Those who are Windows Insiders and on the Fast Ring for updates, and use a Lumia 950, 950 XL, or 650 can now enjoy mobile payments.

The initial launch is quite limited, with mobile payments working only with cards issued by a few US banks, including Bank of America, BECU, First Tech Federal Credit Union, People's United Bank, and Virginia Credit Union. That's it, for now.

You can make NFC payments at stores supporting wireless transactions, and the Wallet app can also hold your coupons and loyalty cards. It's easy to use, thankfully.

Microsoft officials said tap to pay via the updated Wallet app is usable in over a million retail locations. The updated Wallet app supports credit and debit cards, membership cards, and rewards cards.

Microsoft currently lists Bank of America and People's United Bank as supporting Wallet, with Chase, US Bank, Fifth Third Bank, and others coming soon.

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Microsoft Wallet is a mobile payment service that allows you to make payments and store loyalty cards on your mobile device.

The updated Wallet app is available for use in over a million retail locations, where you'll see the contactless payment symbol or the Microsoft Wallet logo at the point of sale.

Microsoft Wallet 2.0 supports credit and debit cards, membership cards, and rewards cards, so you can store all your important cards in one place.

You can use Microsoft Wallet to make payments at participating banks, including Bank of America and People's United Bank, with more banks like Chase and USBank coming soon.

Microsoft Wallet doesn't require special contactless payment terminals, so you can use it at existing contactless terminals on your mobile device.

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You can earn cash in Microsoft Wallet by clicking the Cashback offers button on the Microsoft Cashback tile on the Wallet Home Screen.

There are dozens of online stores where you can earn cashback when you purchase goods or services, with varying cashback rates depending on what you buy.

I saw an offer of 23.1% cash back on ESET security, while another offer was for 1.92% on Qatar Airways.

To see your earned cash, pending earnings, and lifetime earnings, click Get Paid on the Microsoft Cashback tile.

You can also access your cashback offers without using Edge Wallet by visiting bing.com/rebates in any browser.

To transfer your earned cash to your PayPal account, look for the popup panel on the Wallet home page in Edge browser.

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To add credit or debit cards to Microsoft Wallet, select Payment methods in Microsoft Wallet in Edge.

You can add one or more credit or debit cards, which will be used when you purchase items through Microsoft payments, like Microsoft 365 (Office) and the Microsoft Store.

If you haven't purchased anything from Microsoft and don't intend to, you don't have to add a credit or debit card.

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To add the Microsoft Entra Wallet Library to your app, you'll need to add a dependency to your mobile app project. This involves adding a maven dependency for Android and a cocoapod dependency for iOS.

For iOS, you'll need to add the WalletLibrary pod to your Podfile. This is a straightforward process that will allow you to integrate the Wallet Library into your app.

To process requests, you'll need to add some code to your app. The WalletLibraryDemo sample code is a great resource to help you get started with this process.

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Here's a list of tasks you'll need to complete to process requests:

The Wallet Library doesn't come with any functionality to scan a QR code or similar, so you'll need to implement this feature yourself if you want to provide support for it.

You should use the Microsoft Entra Wallet Library when you can't use Microsoft Authenticator.

Microsoft Authenticator has all the functionality to act as the wallet for Microsoft Entra Verified ID, but the Wallet Library is the alternative.

Using both Microsoft Authenticator and a mobile app with the Wallet Library side-by-side on the same mobile device is possible.

Your app needs to make sure that the issuance and presentation requests find your app, as Authenticator registers the protocol handler for openid://.

Embedded deep links in HTML-pages that rely on the openid:// protocol launch Microsoft Authenticator, not your app.

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You can use the Microsoft Entra Wallet Library as an alternative to the Microsoft Authenticator if you already have a mobile app that your users are familiar with and want to include verifiable credentials technology.

The Wallet Library is used by the Microsoft Authenticator itself, and some features may appear in the Authenticator first, but it's the ambition of Microsoft to make them available in the Wallet Library.

To add the Wallet Library to your app, you'll need to add a maven dependency for Android and a cocoapod dependency for iOS.

You'll need to implement the following steps to process requests in your app:

The Wallet Library doesn't come with any functionality to scan a QR code or similar, so you'll need to add those features yourself. It also doesn't store credentials, so you'll need to manage credential storage for your mobile app.

You can use the Wallet Library and the Microsoft Authenticator side-by-side on the same mobile device, but the Authenticator needs to be installed first to register the protocol handler for openid://.

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Microsoft Wallet's smartphone payments feature is a convenient way to make purchases without cash or cards. It uses NFC technology to enable tap-to-pay transactions.

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The updated Wallet app supports credit and debit cards, membership cards, and rewards cards. You can store your loyalty cards and coupons in the app for easy access.

Microsoft Wallet currently works with cards issued by a limited number of banks, including Bank of America, BECU, First Tech Federal Credit Union, People's United Bank, and Virginia Credit Union. These banks are all based in the United States.

The service is expected to expand to support cards from other banks, such as Chase, Fifth Third Bank, and US Bank, although no specific timeline has been announced.

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