It is a highly cost efficient and scalable. Over the last decade, mobile wallet services have evolved and attracted considerable attention from customers and companies. They have gained widespread popularity due to their convenience and security features, making them. The PayPal app is your place for smart shopping, some of the latest security features, and easy ways to send and receive money. View Marvel Pay - Mobile wallet app. This quantitative study. You can also buy and sell Bitcoin instantly and spend BTC with our Crypto Card. In addition to being a wallet it also provides one of the easiest and best exchanges for hundreds of cryptos like Ripple, Bitcoin, Ethereum, Litecoin and Tether (USDT), so you. If you just want to invest in Bitcoin or another digital currency it’s all you need. Be informed. It’s basically a virtual wallet on your smartphone that holds and stores your virtual cards and payment details. Position your card in the box that appears on your screen. Trusted by millions of users worldwide. 78% during the forecast period (2023-2028). Well, that’s simply because that’s what the wallet was called, at a certain point in time. with the intent to launch a multi-merchant mobile wallet, called CurrentC. Retailers widely accept payment by mobile wallet. You can have multiple portfolio wallets, one for investing, the other for trading, and so on. Google Wallet / Google Pay. This app turns your spending habits into a social media feed, allowing you to share purchases or payments with. Add the compatible card or cards you want to use for mobile payments. If you do fall victim to mobile wallet fraud, make a complaint with the regulatory authorities, and follow up with your bank. This option means you don’t even need to wake your phone or verify. 5 trillion in 2022 to over USD12 trillion in 2026. Your data is encrypted and cannot be seen by the merchant (or anyone) once you upload your card details to your mobile wallet. Sign up today to buy and sell Bitcoin, Ethereum and other top cryptocurrencies. Congratulations, you have now downloaded the. Increasing penetration of smartphones and the internet and the growing e-commerce sector are major drivers of the market. They are a simple and effective way for individuals to manage. 1. Select the search bar. Paytm wallet is a secure and RBI-approved digital/mobile wallet that can be used to meet almost all of your financial needs. Free data and airtime for App and USSD users. A mobile wallet is a type of digital wallet on a mobile device, like your smartphone or smartwatch. Venmo. 7% value between 2018-2025. Open the Google Pay app. Another payment provider named CellPay has also been launched with the investment of IMS (Samsung distributor). This Pay App aims to provide cash-free transactions anytime and anywhere. To use a Suica, PASMO, or ICOCA card with Apple Pay, you need: An iPhone 8 or iPhone 8 Plus or later, or an Apple Watch Series 3 or later with the latest. weeWallet is a free, open-source, client-side interface. Mobile Wallet apps operate by enabling customers to input their credit card information, which is stored by the app. This mobile wallet allows you to make payments for your purchases, utility bills, mobile account recharge, and more. Say hello to the new Samsung Wallet app! It now houses Samsung Pay and Samsung Pass to make organizing your digital life easier than. Features. Cons. Global mobile wallet market size in 2020 with forecasts to 2025, by region Market size of mobile wallet transactions in various regions worldwide in 2020 with forecasts from 2021 to 2025 (in. Apart from storing, a mobile wallet enables its user to send and receive virtual currencies. Web-based digital wallet apps that users can access through internet. The app uses bank-grade security and encryption. Two-factor authentication (2FA) is a way to add additional security to your wallet. Arculus is a Cold wallet that is BIP 32/39/44 compliant. You can use debit card, credit card, bank transfer or use our regular payments service via direct debit. 2. Using Maya to pay for Grab transactions will also count towards boosting a user’s Maya Savings interest rate. Phone number. SingTel), the smartphone you use and its e-payment solution (e. Most mobile wallets require thumbprint. You can add the following payment information to your mobile wallet: Swatch Pay. Aug 31, 2023. BRD is a popular, multi-currency wallet that's solely available for Android or iOS devices. A digital or mobile wallet 1 is an app that allows you to pay for goods and services – without the need for a physical card or bank notes. SUPER SLIM Consolidate your most important everyday carry with minimal bulk. There are multiple ways to acquire some coins to spend, like mining or working in exchange for Monero, but the easiest way is to use an exchange and convert your fiat money into XMR. We love the sleek, super slim design of this genuine. Verify your information with your bank or card issuer. Cardholder agrees to terms and conditions. The first 'factor' is your password for your wallet. com) allows you to buy and sell crypto or exchange it for fiat currency and transfer it to a bank account. Click to see more security policies from Rabby. , but digital wallets are finally gaining traction among consumers. Within an e-wallet, users can store credit cards, coupons, plane tickets and other items they could store in a traditional wallet. A mobile wallet is a type of digital wallet that’s accessible through an app on a mobile device (usually a phone or wearable). According to the International Telecommunication Union, in 2022, 73% of people worldwide who are ten years or older owned a mobile phone. If you want to add a rewards or loyalty card, you need to select it from a list of supported. What Is a Mobile Wallet? A mobile wallet stores credit card or debit card information on a mobile device like your phone, a tablet, or smartwatch. Digital payment methods, such as IMPS, NEFT, RTGS, IMPS, investments, bank statements, bill payments, etc. Bitcoin remains the top cryptocurrency by market capitalization. Samsung Wallet is a mobile wallet solution that lets you carry your essentials conveniently and securely in your Galaxy phone and watch. Car Keys. It estimates that in the Asia Pacific the industry will expand to $140bn by 2024 and that in the US the mobile wallet market will grow at a compound annual growth rate of 17% until 2025. 9. Select 'Debit Card' to activate. Phone number. Some other mobile wallet service providers. Best of all, you do so right from your iPhone (or iPad). Coinbase Wallet – Best non-custodial exchange wallet. A mobile wallet is a digital application or platform that allows users to store and manage their payment information, such as credit card details and bank account. Cold/Hot. The increase in mobile wallet adoption goes beyond younger consumers. Provide a secure, convenient, contactless payments option. See what forms of payment are accepted in your country or region. It allows you to easily pay bills, transfer money, buy load, or make online purchases. 000 of their tokens (including BTC, XRP, BCH, BSV, ETH, ETC, XMR, ZEC, EOS, KIN, LTC, XLM, DASH and more). Physical Visa card for offline checkout with no monthly maintenance fee. Digital wallets are a great way to virtually load a physical card into a mobile app – and store its value for fast, easy access at the point of purchase. This is either scanned at the checkout or in the case of some applications, such as Square, detecting that the customer is within a distance of the store and setting up a “tab”, which is accessed by the cashier at the. macOS. When most people speak of mobile wallets, they tend to mean Apple Pay, Google Pay, or Samsung Pay. Add a shortcut from the Bixby key. Be aware. You can use a mobile wallet to “tap to pay” when you’re checking out of a store — a convenient alternative to paying with cash or carrying around a bevy of physical cards. Once you download it, you can send or request money to or from anyone else in the US with a Venmo account. Digital money that’s instant, private, and free from bank fees. Unsurprisingly, older consumers were more hesitant to embrace the new technology: in the UK, those aged between 18-24. Mobile Wallets are Touch-Free. Owned by PayPal, Venmo is the third most popular finance app in the App Store. If you held these assets, they will still be tied to your address (es) and accessible through your Coinbase Wallet recovery phrase. According to the Global Market Insights project, mobile wallet market size was valued at $220 billion in 2021 and is expected to. Beware that even though an app can hold crypto, it doesn't mean it is NOT custodial. People can use this app to transfer small balances from their credit cards to their bank accounts. A recent study, conducted by the strategic consulting and market research firm BlueWeave Consulting, revealed that the global mobile wallet market is projected to grow at a CAGR of 25% during the. Electronic wallet, Gcash, has introduced a new feature in its app that allows users to view real-time foreign. Lay your card face-up on a flat surface. Mobile wallets are the general term for phone-based payment solutions like Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and others. Apart from the digital wallets mentioned in the list, there are many other digital wallet service providers in Nepal like DigiPay, QPay, Pay Well Nepal, and more. Digital wallets are here to stay and will continue to evolve. 75mm thick (when empty) BUILT TO LAST Durable, Fabric is ultra-strong, abrasion-resistant, ages gracefully and won't stretch. 32 Billion in 2023 to USD 17. It allows you to view your account balance, send transactions, and more. Join now and get FREE RM5 for new member. GCash users can use the e-wallet in 17 markets. Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards and in Wells Fargo-supported digital wallets. Google Wallet gives you advanced security and easy-to-use privacy controls so you and your information stay safe every day. According to our study, the next most popular mobile wallet payment. Due to the need for a comprehensive mobile wallet literature survey, this article aims at filling this research gap by covering articles published between 2012 and 2022 over the Scopus, Web of Science, and. Apple Watch® : open the Apple Watch app on your iPhone and select "Wallet. With this amazing mobile pay app, you no longer need to carry multiple cards and worry about losing or misplacing them. Simply touch the middle section of your phone against the card reader. Scan the code or enter your number to get the app. The app can even remind you when you're near somewhere you have a card for and help you get reward points at checkout. This saves you from paying transfer fees between mobile wallets, although foreign exchange fees 2 may still apply. Additionally, you can also send money from your Paytm wallet to a bank account or to another person’s Paytm wallet at. PayPal uses encryption and is one of the oldest digital wallets, where users can make payments online and transfer money. BRD supports more than 70 cryptocurrencies, including all the stable coins. Launched in December 2016, it is intended to facilitate e-payments directly through banks. " From there, follow the on-screen instructions. Made from premium environmentally certified leather from LWG gold-rated tanneries. On the navigation bar near the top of the page, click “ Transactions ” to view all transactions. It has the fastest YOY growth in users: 24% from 2020 to 2021. Its utility is same as a credit or debit card. Option 2 - open the Wallet app and tap the plus sign. A mobile wallet is an app that stores your debit and credit card details so that you can pay for things digitally using a mobile device. Tap Add to Apple Wallet. Download the Mobile Wallet app from your play store today or dial *246# to get started. There is no cost from Chase to use your digital wallet. NFC, QR Payments, USSD Payments, Remote Payments, Virtual Card Payments, etc. 12 hours ago · Using Maya to pay for Grab transactions will also count towards boosting a user’s Maya Savings interest rate. 12. Manage your tokens & collectibles, stake, and participate in governance decisions. This is available through a mobile or digital wallet app, right on your mobile device. Many exchanges, centralized and decentralized, list Monero (XMR). Some ATMs within secure locations may require a physical card for entry. Digital wallet users can download an app, provision a virtual card, make point-of-sale transactions through contactless and scan to pay or push payments. 3k Shot Link. Get it free for your iOS or Android TM mobile device. If you do fall victim to mobile wallet fraud, make a complaint with the regulatory authorities, and follow up with your bank. Marvel Pay - Mobile wallet app Like. Mobile Wallet happens to be compatible with all point-of-sale technology and offers a variety of barcode options to ensure passes can successfully be scanned. Exodus Wallet is a desktop, web browser, and mobile wallet that supports Monero’s XMR and over 100 other cryptocurrencies. Paytm. 10. A peer-to-peer blockchain designed to handle the efficient creation and transfer of assets from one party to another. Digital wallets act like a prepaid credit account, storing the customer’s personal data and funds. 5 million digital assets, including Dogecoin. In Mexico, the adoption of mobile payments has been driven by factors such as the growth of e-commerce and the increasing number of. Two-factor authentication (2FA) is a way to add additional security to your wallet. If you don't mind buying a case in order to get the same tap to pay treatment Android customers already enjoy, get Isis Mobile Wallet. No need to open the app or even unlock your device to make a payment — just tap your phone on the mobile pay location on the turnstile or ticket validator and go. Unlock the power of your cryptocurrency assets and explore the world of Web3 with Trust. $701. Mobile wallets are the general term for phone-based payment solutions like Google Pay, Apple Pay, Samsung Pay, Fitbit Pay and others. Our success is powered by a team of over 150 exceptional employees. BRD supports more than 70 cryptocurrencies, including all the stable coins. Perfect solution for every need. A digital wallet is a convenient and secure way to store and manage your payment information. To be technically accurate, Bitcoins are not stored anywhere; there is a private key (secret number) for every. Chase does not charge any fees to add your credit, debit or Chase Liquid card to your digital wallet. The Wallet app will launch the camera to capture your card. Instead of using your physical plastic card to make purchases, you can pay with your smartphone, tablet, or smart watch. 8. The latter involves paying from an. The ISIS Mobile Wallet went live on Thursday, bringing NFC. Users can buy $50 to $20,000 worth of DOGE with a credit card or debit card directly from. If you have never made a purchase before on Twitch and are trying to add. Rahi Binte Giass. Tap the “+” icon next to the word “Wallet. No need for a plastic card or signature. The online wallet for money movers and makers. S. Enter in your password to access your wallet if prompted. The second 'factor' is a verification code retrieved via text message or from an app on a mobile device. Select the Google Wallet app . just sending SMS messages by themselves. 6B by 2028, and is expected to grow at a CAGR of over 26% during the same forecast period. The world’s first blockchain-powered mobile wallet. If you don't see an option to add your boarding pass, ticket, or other pass to the Wallet app, contact the merchant or. With Uniswap, you can easily create a new Ethereum wallet or import an ex… India’s first mobile wallet was called Oxigen Wallet which was launched in July 2004! What is a mobile wallet? A mobile wallet is a device that allows you to carry cash in a digital form. We already know that digital wallets have become a very big part of our lives now. In the basic account, the transaction limit is INR 20,000 per month and doesn’t require any. Tap on it. In a recent survey, 90% of those surveyed expect to use digital wallets as frequently post COVID-19 as they do currently. Inside the January Report. Masterpass is a digital wallet offered by Mastercard to provide the consumers with a faster checkout process by storing the payment. Offered in 10 leather shades. Don't have a wallet? Create Wallet. To conduct a transaction, users unlock their device, select their payment method, and then hold their device close to the card reader. mobile walletdigital wallet: In general, a digital wallet is a software application, usually for a smartphone , that serves as an electronic version of a physical wallet. We allow you to interact directly with the blockchain while remaining in full control of your keys & your funds. It accounts for nearly half of all in-store digital wallet purchases (45. Digital wallet vs. MCX backers included 7-Eleven, Best Buy, CVS, Lowe’s, Target, and other big names. 1. 42% Apple users, 12. E-wallet technology encrypts sensitive information like card numbers and personal data, which make it harder for. ”. A 2023 survey found that 47% of consumers in. This mobile wallet app offers basic and advanced accounts to the user. Then simply use that card—either the physical card or the electronic version online or via tap to pay—and you’ll get the reward. Samsung Pay can be used at more than 10 million U. 1. The map in the app makes finding their pinned locations easy! Urban. 21% Mobecil users and. are the best examples of it. Buy gift cards in the app to use with Walmart, Uber and all of your favorite brands. If you aren't signed in to your Samsung account, tap Get started. Select the Google Wallet app . This feature alone. They function similarly to standard mobile transfer tickets but the process looks. The BANK OF AFRICA Mobile Wallet – the first modern Mobile Banking experience in Uganda is within your reach today. Search for “Uniswap Wallet”. Wallet app (Image credit: iMore) Wallet— formerly known as Passbook — is Apple's answer to digitizing all the cards that are overflowing your billfold, purse, or pockets — including Apple Pay. 8B in 2021, and experts expect this usage to continue to climb. A pop-up windows will allow you to choose “Credit or debit card”, or “Loyalty or membership card”. A digital wallet, or mobile wallet, is an easy and convenient way to pay for something without using cash or a physical card. The Wallet app lives right on your iPhone. A digital wallet is a convenient and secure way to store and manage your payment information. A seamless and automated experience can help eliminate the need for a physical card for the relevant transactions. Enjoy access to your cards through your mobile device with convenience and security. Competing with Google to become the biggest digital wallet app, Apple Pay is a comprehensive option that iPhone owners can use for purchases. Plus, get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. Balance and Currencies. Paying for your transfer with a debit card is easy and fast. Next, tap the install button on the right. Nov 14, 2023. CryptoWallet. Send money to friends and family or split bills. 32 Oppo users, and 6. Apple Pay extended its commanding lead over the mobile wallet competition in the last 12 months, now capturing 48% of all in-store mobile wallet payments in the United States, with second place. It’s like a regular wallet where you keep your credit, debit or prepaid cards. A mobile wallet is an advanced rendition of a physical wallet, where one can keep the money to buy different services and products. Use of apps like Apple Pay or Google Pay in North America is believed to double between 2020 and 2025, although Asia's market size will be significantly larger. The first 'factor' is your password for your wallet. Easy to use, love that it pops up when you near a store!Here are five things to know about the Kroger credit card. To use this app, simply present the e-payment loyalty barcode to the cashier from your mobile phone. Its utility is same as a credit or debit card. People use this app to recharge their mobiles and DTH connections. You can send keys through messaging apps, customise controls for new drivers, and share and revoke keys. How to set up your Digital Wallet. com is the best Bitcoin wallet for daily use. Eighty percent of the people surveyed in the. Choose from bifold wallets, logo pouches, printed card cases, passcase wallets, spacious dopp kits, zip wallets, and more. 8 billion in 2020 to 4. Simply linking a smartphone with a bank or credit cards allows users to pay bills, send and receive cash, and occasionally make POS purchases. The Coinbase app will securely manage the rights to your private keys. g. Thanks to Square’s digital wallet, you can store your debit or credit card info. Load the BitPay Card from the BitPay app and spend online or in-store. Increased acknowledgment of flexible wallet installments in. Add your card’s 3-digit security code. Easy to use and all your rewards cards in one place! Nice, large number of preset cards, but allows unknown card as well. SafePal is the fastest-growing mobile wallet app that anyone would like to use as their multi-crypto wallet. Cardholder selects “Add to Wallet” button to initiate provisioning. The Victoria Regional Transit System has been selected for the. Will not de-magnetize credit. 2. They allow users to make in-store payments without having to carry cash or physical credit cards. While digital wallets such as PayPal and Cash App can be. In terms of app usage, GCash is ahead of PayMaya. A mobile money wallet is technology which allows users to make monetary transactions and access other financial services through a mobile device, such as a. Go. Connect Coinbase to hold, send and receive Bitcoin, Litecoin, Ethereum and other currencies (USD, EUR, GBP, CNY, JPY. My wallet is not weighed down by loyalty cards. You can have multiple portfolio wallets, one for investing, the other for trading, and so on. BRD is a popular, multi-currency wallet that's solely available for Android or iOS devices. 5 best digital wallets apps for Android. An E-wallet needs to be linked with the individual's bank account to make payments. Access and manage your Amtrak Guest Rewards account, payment options and more. SafePal. Log In. Setup. To use e-wallets, you must add money from a linked bank account or credit/debit card. Check train status in seconds. Google Pay is perhaps the most comprehensive app in the list. Tap to pay uses encrypted payment codes to hide your real card number. MANILA, Philippines – Users can now pay for Grab rides and food orders directly. SafePal tightly integrates with Binance DEX, and lets you trade cryptocurrencies or swap cryptocurrencies without needing any KYC. 4B mobile wallet users worldwide, up from 2. To use a Suica, PASMO, or ICOCA card with Apple Pay, you need: An iPhone 8 or iPhone 8 Plus or later, or an Apple Watch Series 3 or later with the latest version of iOS or watchOS. Global Mobile Wallet Market Size valued at USD 1. You can also directly go to the Wallet page by typing the address edge://wallet in the address bar. One can use this digital wallet on a mobile phone by simply downloading the application and entering essential information like name, credit or debit card information, etc. tickets/wallet (not affiliated with Google Wallet or Apple Wallet). Unlike early 2000s when even a sim card costs fortunes, construction of internet infrastructure and fintech has been hailed as a success in Myanmar in the last few years. ADCB's digital and mobile wallets offer secure, quick payments using your ADCB credit or debit card. Mobile wallets let the user pay at a physical store’s checkout. Best for mobile users. The biggest benefit of a mobile wallet is the convenience of taking your crypto spending power with you anywhere you go. Like other cryptocurrencies, Bitcoin requires a crypto wallet for storage. The Dash Android Wallet supports advanced Dash features, including InstantSend. Low-cost $1 fee for loading funds from checking/saving accounts to the mobile wallet. E-wallets: E-wallet is a type of electronic card which is used for transactions made online through a computer or a smartphone. The world's most trusted and popular crypto wallet. After you link the mobile wallet app to your bank account, the app uses that account each time you make a purchase through the app. 3,4. There are a couple of different methods you can use to pay with your phone. The Wallet app lives right on your iPhone. Apple Pay. Kotlin for Android. To learn more, visit Amazon Pay. This can make it easier to keep track of your financial health. Your Digital Wallet can’t be used for a payment without your authentication. SafePal is the fastest-growing mobile wallet app that anyone would like to use as their multi-crypto wallet. Can be used with the majority of other options from the list above, like Amazon, PayPal, ApplePay, and more. Users can add discount cards, gift cards, etc. The apps are generally user-friendly, and make it easy to buy, store, swap, spend or otherwise manage your crypto from your mobile device. Change your seat assignment. Mobile wallet has emerged as a convenient and efficient mobile payment solution when mobile apps are easily downloaded. Trezor. To learn more about the popularity of mobile wallets in Latin America, read an article here. License’s number is FVT000200). Google Pay is perhaps the most comprehensive app in the list. With all your cards in one place, you can easily manage your finances, perform tap to pay, access your loyalty rewards, and make payments from your mobile device! No more bulky wallets or endless searching for the right card valet. Developed by the most trusted team in DeFi, the Uniswap app allows you to maintain full custody and control of your assets. An icon in the shape of an angle. MCX, owned by more than a dozen large U. The global mobile wallet market is gaining significant traction, especially in the wake of the COVID-19 pandemic and the need for contactless transactions. To load money into your CLIQQ Pay Wallet. See It. From there, follow the on-screen instructions. Physical Visa card for offline checkout with no monthly maintenance fee. Here are the six best digital wallet apps that make spending money online secure and easy to do. Your mobile carrier’s message and data rates may apply. But as the payments landscape evolves, a growing number of digital wallets are moving beyond the single-function app approach, adding on financial offerings that go beyond facilitating payments — such as loans. Mobile Wallet is about much more than mobile payments - it's a true engagement channel that unites the physical and digital worlds. Digital Wallet: A digital wallet is a system that securely stores users' payment information and passwords for numerous payment methods and websites. To buy apps from the App Store, use Apple subscriptions like iCloud+ and Apple Music, or buy other media from Apple, you need an Apple ID and a valid payment method. With Samsung Pay you can set up a card as a ‘transport card’ to use on TFL services. Two-factor authentication (2FA) is a way to add additional security to your wallet. To download the Uniswap Wallet: Open the App Store on iPhone or Play Store on Andriod. Venmo. If you run out of data before your data reset date, you can purchase more 5G • 4G LTE data using credit in your Mint Mobile Wallet. Venmo is a digital wallet app with a bit of a twist that isn't for everyone. The official wallet for IOTA and Shimmer. • Support: Please use GitHub or email to report bugs rather than the app rating system. It comes with a four-inch touchscreen, open-source firmware, and fingerprint sensor. JioMoney is a semi-closed prepaid digital wallet app by Reliance JIO mobile network operator. com or the Amazon app, go to “ Account ,” then to “ Your Payments . Contact Samsung Support. You can add your Discover Cards to your digital wallet to help you maximize your cash back rewards, from your weekly supermarket trip to gas and restaurant purchases. In April, 50% of all consumers made at least four contactless payments, and during the same month 57% of shoppers said they would be comfortable using mobile wallets while continuing to make contactless payments after the coronavirus pandemic. This is a. 1- Guarda Wallet Guarda is a non-custodial multi-platform cryptocurrency wallet designed to store, manage and transfer digital assets with ease. Apple Pay dominated the mobile wallet space for debit transactions in 2020, a year of significant sector growth thanks to dramatic changes catalyzed by the COVID-19 pandemic. Mobile Wallet. The user downloads and installs the mobile wallet app on their mobile device and adds their payment information to the app. Money can also be transferred to a mobile wallet 1 and then spent in participating stores. Mobile wallets have only increased in popularity since the pandemic started in March 2020. In this next menu, scroll down and tap on Share Pass. A mobile wallet is a way to carry cash in digital format. You also have the option of entering details manually. Digital credentials in BC Wallet are highly tamper resistant and are only stored on your. You can access your Mobile Wallet from any device. From buying…. E-wallets can be used for a variety of transactions, such as buying train/flight tickets, paying bills, and more. Ekster's Parliament Wallet is a classic choice for environment-conscious shoppers. According to Urban Airship, 54% of consumers. Mobile Wallet Pros and Cons — and More. The server side (aka back end) is often built with programming languages like Java, Closure, or Golang and high-throughput databases like DynamoDB, Couchbase, or Oracle. Consumers use bill pay an average of six to seven days. Skrill has been helping to make it, send it and spend it for millions of customers since 2001.