Digital Wallet

Add your eligible M&T Card(s) to your digital wallet app to make purchases faster, easier and more securely.

Visa will process transactions similar to how they process your physical card transactions today except rather than receiving your actual card number, merchants will receive the unique virtual card number associated with your M&T credit, debit or Commercial card. M&T Commerical Cards are not eligible for use with Fitbit Pay or Garmin Pay.

Spend Less Time at Checkout

Use your mobile device’s digital wallet to pay at millions of stores worldwide at the checkout or in-app without having to reach for your wallet.

Add your M&T Card(s).

Step 1: Open or download the digital wallet app that works for your device and add your eligible M&T Card(s) as your preferred payment method.


Step 2: Select your digital wallet at checkout online, in-app, or look for the contactless symbol  at the payment terminal. 

Make payments quickly at the checkout with your digital wallet; simply tap your device and be on your way

Shop securely.

  • Enhanced Security.1 Each transaction uses a virtual device-specific number instead of your card numbers, which helps to keep your transactions secure and your information safe
  • Visa Zero Liability policy. Visa won't hold you responsible for unauthorized charges to your eligible M&T Cards.
  • M&T Assurance®. Have peace of mind using your eligible M&T Card(s) knowing each transaction is covered by real-time fraud monitoring.

Have questions?

Read our frequently asked questions.

Call us.

  • Personal and Business Card Customers. Call 1-877-334-9065
  • Commercial Card Customers. Call 1-855-422-0001
The Visa Zero Liability Policy covers U.S.-issued cards only and does not apply to certain commercial card transactions, transactions not processed by Visa, or if you are grossly negligent or fraudulent in handling your card or card number. Notify M&T Bank immediately of any unauthorized use. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit. See your cardholder agreement for more details.
M&T Assurance does not apply to commercial card transactions.
Visa® is a registered trademark of Visa International Service Association.
Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. 
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
​Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.​Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.
​Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, Samsung Electronics Co., Ltd., Fitbit Inc. or Garmin Ltd.
​The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. 
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.