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Best Digital Wallets to Connect Your Cards for Shopping

Digital wallets are a lifesaver, from keeping your files like loyalty cards and tickets safely to enabling faster payments online and in-store.

The power of buy now pay later virtual cards comes with being able to use them to spread payments at several places, both online and when you visit a physical store.

With digital wallets, you can do away with many of the limitations that come with using your purchasing power for expenses like enjoying pay later shopping for food and others.

While they are popular for their contactless payments for debit and credit cards, you can also use many of them to store things like loyalty cards, concert tickets, digital keys, travel passes, and more like you will do with a physical wallet but better.

Best Digital Wallets to Store Your Cards for Payments

Below is a list of the top digital wallets convenient for card usage online and in-store:

Google Wallet

Google Wallet


This digital wallet supports online shopping, peer-to-peer payments, contactless in-store purchases, and support for loyalty cards and digital coupons. You can use it anywhere Google Pay is accepted.


  • Online and In-store

  • Web, Android, iOS

Google Pay is Accepted By


StubHub is a popular online ticket marketplace. Offering tickets for various events, including concerts and sports, it provides a platform for buying and selling tickets, connecting buyers and sellers globally.


Instacart is a grocery delivery and pick-up service. Customers can order groceries and household essentials online, and it connects them with personal shoppers who deliver the items to their doorstep.


Etsy is an online marketplace known for handmade, vintage, and unique goods. Connecting artisans and buyers globally, it offers a diverse range of crafted items, supporting independent sellers and creators.


Groupon is an online marketplace offering deals and discounts on various products and services. Known for its daily deals and group-buying model, it provides users with cost-effective options for dining, travel, and more.


Starbucks is a global coffeehouse chain renowned for its specialty coffee beverages and pastries. With a welcoming atmosphere, it provides a place for customers to enjoy quality coffee and connect with others.

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Google Wallet offers you a solution that integrates payment methods into your smartphone.

The service allows the storing of credit and debit card information securely, eliminating the need for physical cards during transactions, both online and in-store.

It also facilitates contactless in-store purchases through near-field communication (NFC) technology.

This feature streamlines the payment process, offering a quick and secure alternative to traditional payment methods.

Beyond payments, Google Wallet supports users in managing loyalty cards and digital coupons.

This digital storage solution provides a space to store rewards cards and take advantage of discounts seamlessly.

It is the most popular cross-platform digital wallet and is ideal if you have an Android as well as an Apple device as the application is available for both device types.

Interestingly, you can also use it to send and receive money through Google Pay in the US with phone numbers and email addresses, and with its partnership with Wise, P2P transfers are also possible between US and Indian users.

Amazon Pay

Amazon Pay


It simplifies online and mobile payments by allowing users to use the payment methods stored in their Amazon accounts for purchases on third-party websites, fostering convenience and trust.


  • Online

  • Web, Android, iOS

Amazon Pay is Accepted By


It offers a diverse online retail experience, providing a vast selection of products, from electronics to books. You can browse, order, and have items delivered to your doorstep efficiently.


It is an online ticket marketplace, connecting buyers and sellers for a wide range of live event tickets. It provides a platform for purchasing tickets to concerts, sports, and theater events.


MegaSeats is also an online ticket marketplace offering a platform for users to buy tickets for various live events such as concerts, sports, and theater performances. It connects buyers and sellers for ticket transactions.


This is an online travel agency providing affordable flight options for travelers. The platform allows users to book flights, hotels, and rental cars, making travel planning more accessible.

Whole Foods Market

Whole Foods Market is a high-end grocery store chain known for its organic and natural products. It offers a wide selection of fresh produce, specialty items, and sustainable options.

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This digital wallet is designed to streamline the online shopping experience for both consumers and merchants.

It allows you to make purchases on third-party websites using the payment methods stored in your Amazon account.

Amazon Pay simplifies the checkout process by leveraging the information already stored in users’ Amazon accounts, such as credit or debit card details and shipping addresses.

This eliminates the need to manually enter payment information for each online transaction, providing a quick and secure way to complete purchases across a diverse range of websites.

Unlike the other digital wallets, you can only use it for shopping online where Amazon Pay is accepted, and no feature to save your loyalty cards, air ticket bookings, and others.

You can also use it to enjoy buy now pay later on Amazon and at other retailers using different services that include Citi Flex Pay and Prime Visa Installment.

Apple Wallet

Apple Wallet


It centralizes payment methods, boarding passes, tickets, and loyalty cards. It offers secure and convenient access to various digital essentials within iOS devices.


  • Online and In-store

  • Web, iOS

Apple Pay is Accepted By

Apple Store

The Apple Store is an online store and retail chain offering a range of Apple products, including iPhones, MacBooks, iPads, and accessories. Known for its sleek design and products, it provides a unique shopping experience.

Best Buy

Best Buy is a multinational retailer specializing in consumer electronics and appliances. Known for its extensive product selection, Best Buy is a go-to destination for tech enthusiasts.


Eventim is a leading global ticketing platform. Renowned for its user-friendly interface, it offers tickets for various events, including concerts, sports, and theater, providing a seamless ticket-buying experience for users.

Old Navy

Old Navy, part of Gap, is a popular clothing and accessories retailer. Known for its affordable and stylish casual wear, Old Navy caters to diverse customers.


Nike is a global sportswear brand known for its athletic footwear, apparel, and accessories. Renowned for innovative designs and performance-enhancing technology, Nike is a leading choice for athletes and fitness enthusiasts worldwide.

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This is a digital wallet designed by Apple for its iOS devices.

It transforms the way users manage their payment methods, loyalty cards, boarding passes, tickets, and more, all within the convenience of their Apple devices.

Apple Wallet serves as a centralized hub for various cards and passes, eliminating the need for physical counterparts.

You can store credit and debit cards securely, allowing for contactless payments through Apple Pay.

This not only simplifies transactions but also enhances security by utilizing features like Touch ID or Face ID for authentication.

Apple Wallet extends beyond payment cards, incorporating features like boarding passes for flights and tickets for events.

You can store these digital passes in your Wallet, providing easy access and reducing the need for paper documents.

Airlines, movie theaters, and event organizers often integrate with Apple Wallet, offering a seamless and efficient way for users to manage their reservations and entries.

It works very similarly to Google Wallet but it is limited to only iOS devices, unlike the cross-platform nature of the former.




MasterPass by Mastercard is a secure digital wallet that allows users to store and manage payment methods, shipping details, and loyalty cards. It simplifies online and in-store transactions for a streamlined experience.


  • Online and In-store

  • Web, Android, iOS

MasterPass is Accepted By


Newegg is an e-commerce platform specializing in electronics. Renowned for its extensive selection of computer hardware, consumer electronics, and tech products, it is a popular choice for tech enthusiasts and builders.

Carnival Cruise Line

Carnival Cruise Line is a popular cruise company offering a variety of cruise experiences. Known for its vibrant atmosphere, diverse entertainment, and numerous destinations, it provides memorable vacations at sea.

See Tickets

See Tickets is an online ticketing platform. Renowned for its user-friendly interface, it offers tickets for various events, including concerts and shows. See Tickets simplifies the ticket-buying process for users globally.


BJ’s Wholesale Club is a membership-based retail chain offering bulk purchases at discounted prices. Known for groceries, household items, and electronics, it provides savings to members across various product categories.

Air Canada

Air Canada is a major airline providing domestic and international flights. Renowned for its extensive route network, it offers a range of travel services with a focus on passenger comfort and convenience.

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MasterPass is a global digital wallet service designed to simplify online and in-store payments for consumers.

This platform facilitates a secure and seamless shopping experience by allowing users to store their payment information, shipping details, and loyalty card information in one centralized location.

It acts as a digital container for various payment methods, including credit and debit cards.

You can securely store these payment details within the MasterPass wallet, eliminating the need to repeatedly enter card information for each transaction.

One of the key features of MasterPass is its versatility across various devices and platforms.

Whether using a computer, smartphone, or tablet, you can access your MasterPass wallet to make payments across a wide range of supported merchants and service providers irrespective of your card type as it also supports non-Mastercard brands.

Visa Checkout

Visa Checkout


Visa Checkout is a digital wallet service by Visa, simplifying online payments. Users securely store payment information for quick and convenient transactions, offering a streamlined and secure online shopping experience.


  • Online and In-store

  • Web, Android, iOS

Visa Checkout is Accepted In-store By

Best Buy

Best Buy is a multinational retailer known for consumer electronics and appliances. With a vast product selection and several tech services, it is a leading destination for technology enthusiasts.


Williams-Sonoma is a premium kitchenware and home furnishings retailer. Renowned for high-quality products, it offers a diverse range of cookware, appliances, and home decor, catering to discerning customers.


Walgreens is a nationwide pharmacy and retail store, providing health and wellness products, prescription medications, and everyday essentials. With a focus on convenience, it serves communities with various health and retail services.


Staples is a multinational office supply retail chain. Known for providing a wide range of office products, technology solutions, and print services, it caters to businesses and individual consumers.


Sephora is a renowned beauty and cosmetics retailer. Offering a vast selection of skincare, makeup, and fragrance products, it is a go-to destination for beauty enthusiasts seeking high-quality and trendy items.

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Visa Checkout is another safe digital wallet service designed to simplify and secure online transactions for consumers.

It serves as a streamlined checkout process, allowing users to store their payment information in a digital wallet, streamlining the payment process across various online merchants.

Visa Checkout offers the convenience of storing multiple payment methods, including credit and debit cards, within a single, secure platform.

This digital wallet supports cards from popular brands including its own Visa, MasterCard, American Express, and Discover.

Samsung Wallet

Samsung Wallet


This is a digital wallet for Samsung Galaxy devices. It organizes digital passes, tickets, and cards in one location, utilizing contextual awareness for timely access and notifications. Its partnership with Visa allows you to use it at several locations.


  • In-store

  • Android, iOS

Samsung Wallet is Accepted In-store By

Best Buy

Best Buy is a multinational retailer specializing in consumer electronics and appliances. Renowned for its extensive product selection and expert staff, it is a go-to destination for tech enthusiasts.

American Eagle

American Eagle, a popular clothing brand, offers casual apparel and accessories. Known for its comfortable and trendy styles, it caters to a youthful demographic with a focus on denim.

Barnes & Noble

Barnes & Noble is a prominent bookstore chain offering a wide selection of books, magazines, and multimedia products. With a focus on fostering a love for literature, it provides a welcoming environment for readers.


Athleta, a brand under Gap Inc., specializes in activewear for women. Known for its stylish and performance-oriented designs, it offers a range of athletic apparel, including workout clothes and athleisure wear.


GameStop is a leading retailer of video games, electronics, and gaming merchandise. With a vast selection of games, consoles, and accessories, it is a go-to destination for gaming enthusiasts.

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Samsung Wallet is a mobile digital wallet app designed to provide users with a convenient and organized way to store and manage payment details, digital passes, tickets, membership cards, and more.

This digital wallet service is tailored for Samsung Galaxy devices, enhancing the overall mobile experience for users.

It also serves as a centralized hub for various types of digital content, offering users the ability to store and access digital versions of their boarding passes, event tickets, loyalty cards, and coupons in one location.

This not only reduces the clutter of physical cards and documents but also provides a more convenient and efficient way to access essential information on the go.

You enjoy some perks using Samsung Wallet, for instance, there is the Samsung Money by Sofi, a financial add-on that lets you improve your credit score, earn interest on savings, and a digital Mastercard for global payments and more.

Shop Pay

Shop Pay


Shop Pay by Shopify streamlines online checkout by securely storing user details for quicker transactions. It comes with the option to spread payments through Shop Pay Installment and you can earn cashback when shopping in-app.


  • Online, In-store

  • Web, Android, iOS

Shop Pay is Accepted By


DailySale is an online marketplace offering a variety of discounted products. With daily deals and flash sales, it provides consumers with opportunities to purchase a range of items at reduced prices.

Fashion Nova

Fashion Nova is a trendy fashion retailer offering a diverse range of clothing and accessories. Known for its fast fashion and affordable styles, it caters to a broad customer base.

Miss A

Shop Miss A is an online beauty and accessories retailer known for its affordable products at $1. Offering a wide range of makeup, accessories, and more, it provides budget-friendly options for customers.

Beis Travel

Beis Travel offers a stylish and functional line of travel accessories and luggage. It is known for its chic designs and practical solutions for travelers.


SKIMS, founded by Kim Kardashian West, is a shapewear and loungewear brand. Known for its inclusive sizing and comfortable designs, it offers a range of undergarments and essentials for various body types.

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Shop Pay is an accelerated checkout option and a digital wallet designed to enhance the online shopping experience for customers using the Shopify e-commerce platform.

This streamlined checkout solution aims to reduce friction during the payment process, making it faster and more convenient for shoppers.

It simplifies the checkout process by allowing you to store your shipping and payment information securely.

Users can opt to save their details during their first purchase, creating a Shop Pay account for future transactions.

This eliminates the need to enter shipping and payment details for each subsequent purchase, significantly speeding up the checkout process.

The platform is very popular on online shopping websites using Shopify for its buy now pay later feature, thanks to the partnership with Affirm.

Merchants have the option to enable Shop Pay Installment on their platforms which will allow their customers to spread the cost of their purchases.

You can also shop in-app using this digital wallet across several merchants that operate on Shopify and with the benefit of earning cashback each time you do transactions, this should be one to consider.

While it is mostly used for online payments, you can also use Shop Pay in-store via merchants selling through Shopify POS.

Kroger Pay



Kroger Pay, part of the Kroger mobile app, offers a streamlined and secure in-store payment experience. Users link payment methods, earn rewards, and access discounts seamlessly, enhancing their overall shopping convenience.


  • Online and In-store

  • Web, Android, iOS

Kroger Pay is Accepted By


Kroger, a prominent American supermarket chain, offers a diverse range of grocery products and services. Known for its commitment to quality and customer satisfaction, Kroger operates various regional brands nationwide.

Pick’n Save

Pick’n Save, a grocery store chain under the Kroger family, provides a wide selection of products. With a focus on quality and affordability, Pick’n Save serves customers in various communities.


Dillons is a supermarket chain offering a variety of grocery products and services. Known for quality and customer satisfaction, it operates stores in several communities.


Ralphs, a grocery store chain under the Kroger family, provides a diverse range of products. With a focus on quality and customer satisfaction, Ralphs serves communities in Southern California.


Fry’s, part of the Kroger family, is a supermarket chain offering a wide array of grocery items. Known for quality and value, Fry’s serves communities in several states.

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Kroger Pay is another digital wallet solution designed to provide customers with a convenient and secure way to make purchases within Kroger stores and its family of businesses.

It is integrated into the Kroger mobile app, allowing users to link their preferred payment methods, such as credit and debit cards, to the app.

This eliminates the need for physical cards during checkout, providing a streamlined and contactless payment experience.

You can also earn Kroger Fuel Points and access personalized discounts and offers through the app.

Kroger is one of the top destinations to enjoy buy now pay later grocery shopping and with its digital wallet, you can also add virtual cards to spread payments at its locations.

This wallet is also available at some locations of Baker’s, City Market, Dillons, Food 4 Less, Foods Co, Fred Meyer, Fry’s, Gerbes, Jay C Food Store, King Soopers, Mariano’s, Metro Market, Pay-Less Super Markets, Pick’n Save, QFC, Ralphs, Ruler, and Smith’s Food and Drug.

Walmart Pay



Walmart Pay, integrated into the Walmart mobile app, enables users to make secure in-store purchases by scanning a unique QR code. It streamlines payments and offers features like digital receipts.


  • Online and In-store

  • Web, Android, iOS

Read about

Walmart Pay is a mobile payment service introduced by Walmart to enhance the shopping experience for its customers.

This digital wallet solution is integrated into the Walmart mobile app, providing users with a convenient and secure way to make in-store purchases and manage their transactions.

It allows users to link their preferred payment methods, including credit cards, debit cards, and Walmart gift cards, to the mobile app.

This eliminates the need for physical cards during checkout, providing a streamlined and contactless payment experience.

Users can add and manage multiple payment methods within the app for flexibility.

One of the notable features of Walmart Pay is its unique QR code-based payment system.

When a customer is ready to make a purchase, they can open the Walmart app, select Walmart Pay, and scan the QR code displayed at the register.

The payment is then processed securely, and the user receives an electronic receipt within the app for easy reference.

With its support for cards outside its network, this is one of the best ways to enjoy buy now pay later at Walmart by connecting any third-party BNPL virtual card.

Target Wallet



This digital wallet is an option for anyone who shops at Target regularly and owns any of its branded payment methods, including the Recard, Target Circle, and Gift Cards. It does not support third-party cards hence, only Redcard can be used for spread payments.


  • Online and In-store

  • Web, Android, iOS

Read about

This digital wallet sits inside the existing Target mobile app, allowing users to link their RedCard (Target’s store credit card) or its other branded payment methods for a seamless and secure checkout process.

This functionality streamlines transactions, making it more convenient for customers to make in-store purchases using their mobile devices.

Unlike the other digital wallets, you can only use this offered by Target at any of its retail locations hence, suitable if you shop them frequently.

To enjoy buy now pay later at Target, you can use this with its Redcard as it does not support third-party payment cards but rather, options that include all Redcard types (debit and credit except the reloadable Visa), Target’s Gift Cards, and Circle.

Target Circle is its loyalty program, allowing users to earn rewards and access personalized deals.

Digital Wallets Frequently Asked Questions


Here are some frequently asked questions regarding the use of digital wallets:


What is a digital wallet?

A digital wallet is a virtual tool that allows you to securely store and manage various types of financial information, such as credit or debit card details, in a digital format.

It serves as a convenient and secure means for online and in-app transactions, eliminating the need to carry physical cards.

Digital wallets typically use encryption and tokenization technologies to safeguard sensitive information during transactions.

In addition to payment capabilities, they often offer features like storing loyalty cards, boarding passes, and digital coupons, contributing to a more streamlined and organized user experience.

Many digital wallets are accessible through mobile apps, enabling users to make contactless payments using their smartphones or other connected devices.

The goal is to simplify and enhance the way individuals conduct financial transactions in the digital age while prioritizing security and convenience.

How does digital wallets work?

A digital wallet works by securely storing and managing your financial information in a digital format, typically within a mobile app or an online platform.

When you set up a digital wallet, you will link your payment methods, such as credit or debit cards, to the wallet.

This information is encrypted and often tokenized, replacing sensitive details with unique identifiers for added security.

When making a purchase, you will need to select the digital wallet as the payment method.

The wallet generates a one-time code or token representing the payment information, which is sent to the merchant.

This process, known as tokenization, helps protect your sensitive data, as the actual card details are not shared during the transaction.

Digital wallets also facilitate contactless payments using near-field communication (NFC) technology.

You can tap your smartphones or other enabled devices on compatible terminals to complete transactions swiftly and securely.

The convenience, enhanced security features, and additional functionalities like storing loyalty cards contribute to the popularity and widespread adoption of digital wallets in modern financial transactions.

Which digital wallet works on iPhones?

You can use the following digital wallets on your iPhone for payments and saving your other files like loyalty cards and tickets:

1. Apple Wallet
2. Google Wallet
3. MasterPass
4. Shop Pay (online for payments)

Other digital wallets that work with iPhone include merchant-specific versions like:
1. Walmart Pay
2. Kroger Pay
3. Target Wallet

Can I use PayPal Pay in 4 with a digital wallet?

Yes, you can utilize digital wallets to use PayPal Pay in 4 in-store to buy now and pay later by generating a virtual card.

To do this, navigate to the pay-later tile on your PayPal app to create a new card, and once generated, simply use the card details and save them to any digital wallet of your choice.

After the card is successfully saved, tap your smartphone on the payment terminal to complete your transaction.

Which digital wallet works with Android devices?

Many digital wallets work with Android smartphones and devices, the most popular include:

1. Google Pay
2. MasterPass
3. Shop Pay
4. Samsung Wallet

The below will also work through their respective Android apps:
1. Walmart Pay
2. Kroger Pay
3. Target Wallet


Digital wallets offer you a secure, efficient, and convenient way to manage your payment methods, providing you with peace of mind during online and in-store transactions.

With many options available, you should be able to utilize your buy now pay later virtual cards conveniently while also enjoying features such as loyalty card storage, digital coupon management, and even support for boarding passes.

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