New Technologies: When to Use Which Payment Method

Today’s credit and debit card technologies — including Apple Pay®, Google PayTM, and Visa® Checkout — allow you to pay with a simple wave of your phone or click of a button.

These payment technologies provide options for both in-store and online payments:

  1. Some allow you to pay with your credit or debit card through your smartphone, tablet, or wearable device
  2. Some allow you to pay with your cards more quickly and easily online

Here’s how to use each type.

1. Paying by Device

You’ll use Google PayTM and Apple Pay® in similar ways: First, you add your credit or debit card information into the application available on your device. Once this information is stored in your phone or even wearable device like a watch, you can make a purchase with the wave of your device.

When should you use this method? In person, you can use it at any retail outlet that has a contactless terminal that accepts Google Pay or Apple Pay. Just look for the contactless symbol and notification that the merchant accepts these methods at checkout. You also can use Google Pay and Apple Pay to make online purchases through merchant apps that accept payment — from ordering clothes to buying concert tickets.

2. Online Shopping

With Visa® Checkout, you set up an account with Visa and you can store your credit and/or debit card information, along with related information such as shipping addresses. Once you’ve stored this information, you can shop at any of the many online outlets that offer Visa Checkout by clicking the Visa Checkout button at payment.

When should you use this method? You might opt for Visa Checkout if you prefer not to give your card information to merchants. Instead, Visa will maintain your card information, so you don’t have to enter that information when you make an online purchase from a merchant that participates in Visa Checkout.

New payment technologies are becoming increasingly more common, says Jim Stembridge, who works in Regions’ Marketing and works with the credit card, debit card, and rewards business. In fact, many point-of-sale terminals that accept EMV chip card payments also are enabled to accept contactless payments like Google Pay and Apple Pay. But Stembridge cautions that not every merchant currently accepts these new card technologies, so you may still want to bring along your wallet.

Learn more about Apple Pay, Google Pay and Visa Checkout.

Android and Google Pay are trademarks of Google, Inc. Apple, iPad, iPhone, Apple Watch, and Apple Pay are trademarks of Apple, Inc., registered in the United States and other countries.

Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc. Please see Regions Deposit Agreement for information on liability for unauthorized transactions.


On a scale from 1 to 5, with 1 being 'Not Good' and 5 being 'Excellent', how would you rate this article?

Press enter to submit your rating

Rate this Article

Use this form to provide additional feedback based on the rating you provided.

Thanks for Rating

Would you like to provide feedback?

Thanks for your feedback!

This information is general in nature and is provided for educational purposes only. Regions makes no representations as to the accuracy, completeness, timeliness, suitability, or validity of any information presented. Information provided should not be relied on or interpreted as accounting, financial planning, investment, legal, or tax advice. Regions encourages you to consult a professional for advice applicable to your specific situation. Regions neither endorses nor guarantees any websites or companies referenced in this article that are not owned by Regions.