Digital Wallet F A Qs

Get answers to frequently asked questions about the benefits of using your mobile device’s digital wallet.

For general Digital Payment inquiries:

Personal and Business Card Customers. Call 1-877-334-9065

Commercial Card Customer. Call 1-855-422-0001

​A digital wallet uses contactless payment technology from an eligible device to allow merchants to receive customer payments.

A digital wallet creates an electronic version of your M&T Card(s), assigning them a device account number or virtual account number for added protection. Once created, you can use your digital wallet at participating merchants who accept this form of payment.

​Look for the digital wallet logo or the contactless symbol   at checkout.

​Your 16-digit M&T card number(s) will be replaced with a device account number or virtual account number, that can be securely stored on your devices, and used for purchases. Your M&T card numbers are NOT stored on the device or on GoogleTM  Apple®, Samsung or GarminTM servers. This helps reduce the potential for fraud and simplifies checkout by eliminating the need for multiple ard number entries when purchasing items in mobile applications (i.e., "in-app").

​Use your M&T personal and business debit or credit card(s) or your M&T Commercial card with Google Pay™, Apple Pay®, Samsung Pay and Garmin Pay™. Be sure to set your M&T Cards as the “Default Card” on your device.

​Immediately notify M&T. Personal or Business Card customers should call 1-877-334-9065 and M&T Commercial Card customers should call 1-855-422-0001. You should also notify your phone carrier if your phone is lost or stolen. M&T will place a hold on your device account number or virtual account number without impacting your M&T card. Your device account number is different than your card number, and therefore, your M&T plastic cards will not be affected and can still be used.

​If your M&T plastic card is lost or stolen, please notify M&T immediately. Personal and Business Card customers should call 1-800-724-1552 and M&T Commercial Card customers should call 1-800-443-8671. We will cancel your card and issue you a new card. Once you activate your new card, you will need to follow the steps for enrolling that card in a digital wallet.

​Yes, you can use Apple Pay®, Samsung Pay, Google Pay™ and Garmin Pay™ when traveling internationally at stores that accept contactless payments.
Note: foreign transaction fees may apply.

Security is our first priority at M&T, and digital wallets use extra security measures to help keep transactions secure. Those requests include:

  • Enrollment verification requests when adding your card
  • Use of tokenization, where your card number is replaced with an encrypted digital token for each transaction
  • Your device does not retain or save your card data
  • Personal and Business Card transactions are covered by M&T Assurance®, which helps to prevent, detect and resolve fraud
  • Personal and Business Card purchases are covered by Visa Zero Liability, so you won’t be held liable for unauthorized transactions.

If you believe you have been a victim of fraud related to your M&T accounts, notify us immediately. Personal and Business Card customers should call 1-800-375-8097 and Commercial Card customers should call 1-800-443-8671, so we can take action to help you.

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. See your cardholder agreement for more details.

​For security purposes, we may ask you for additional information to verify your identity. Simply follow the options on your device to complete enrollment, then you can begin using you digital wallet anywhere that accepts contactless payments, just look for the logo or the contactless symbol   at checkout.

  1. Go to the Garmin Connect™ Mobile app on your smartphone
  2. Tap the Garmin Devices section (located under the More tab, right above the Settings menu), and choose your device.
  3. Select Garmin Pay
  4. Tap Create Your Wallet and from there you will be prompted to create a four-digit passcode
  5. Add your M&T card


On your watch, press and hold the action button to bring up the Navigation Controls menu.

  1. Tap the virtual wallet icon and enter your four-digit passcode
  2. Once the wallet is open, your last used card will automatically appear, but you can swipe down for more card options
  3. Hold your wrist near a contactless card reader

The outer edge of your watch face will light up green after a few moments to indicate the purchase is complete.