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Wallet 2.0 with NFC Tap to Pay is now rolling out to Windows 10 Mobile Fast Ring (US only)

Microsoft is evidently rolling out the Wallet 2.0 update complete with NFC Tap to Pay options. Numerous tips have come in from users noting that the update is now live, and we can confirm on our Lumia 950 enrolled in Fast Ring (Redstone) that the update is rolling out.

Wallet 2.0 has its usual batch of Loyalty Cards for getting discounts at local stores, but the bigger deal is the inclusion of NFC Tap to Pay based on the HCE standard. This feature will allow users to enroll their Credit and Debit Cards into the program and to be able to pay at participating locations. Since the Tap to Pay is standardized this feature should work at all sites that Apple and Android Pay are accepted at as well.

It is unclear yet if NFC Tap to Pay will be available in all regions or just the US at this time, nor is it clear if all phones will get it or just ones approved by major credit card companies. So far, most of the tips seem to be those in the US as Microsoft may be trialing the feature in the States before going wider. We'll update the story as more information becomes available.

Update: As suspected, only those in the US on select devices e.g. Lumia 950, Lumia 950 XL, are able to see Tap to Pay options and enroll in the program.

Update 2: We have now confirmed that the Lumia 650, Lumia 950, and Lumia 950 XL are capable of supporting Tap to Pay, at least in the US.

The feature looks to be available only for Fast Ring Insiders, although a wider release is expected for the Anniversary Update later this summer.

Download Wallet 2.0 for Windows 10 Mobile (opens in new tab)

qr: wallet

Daniel Rubino
Daniel Rubino

Daniel Rubino is the Executive Editor of Windows Central, head reviewer, podcast co-host, and analyst. He has been covering Microsoft here since 2007, back when this site was called WMExperts (and later Windows Phone Central). His interests include Windows, Microsoft Surface, laptops, next-gen computing, and arguing with people on the internet.

  • So stoked. Gonna try it out today
  • It says my 950 isn't compatible, lol...yes, I am on Redstone.
  • What's funny though is that the (approved) list has 925 & 928 (own both) but they were never updated to 10. What was the point approving them? :)
  • It took a couple tries, but my app updated...the only kicker is my bank, Regions, is apparently not included in the program right now.
  • Yeah this app is probably region-locked
  • What did you do, because mine isn't updating
  • Well I purchased the Lumina 950 from US (BHPhotoVideo) and even though I am in Canada, I still got the updates
  • Not if you have Chase you won't...
  • Don't feel too bad, though. Chase doesn't work with Android Pay, either.
  • Works great with Samsung Pay!
  • Yes Android Pay, Samsung Pay and other NFC mobile payment systems although have been in Canada for many years still have problems. Please upvote me as I'm aiming for the most
  • Does not show the update on my 950xl on fast ring
  • I would be a shame if it were limited to US only, but then again it would be much of same as always
  • Well, none of us on Verizon have phones that can utilize it, so it's really "half of US-only," if that makes you feel any better
  • Don't get me wrong, it's not about who gets it in the US, its about if we all get it at the same time
  • That's what you get for living in another part of the world. Blame your government for their banking regulations and tax laws. Maybe you should start your own software company and make your own phones.
  • Well... You're an idiot
  • Definitely an idiot. If you think that Canadian banks don't want it then think again. The hardware has already rolled out to many businesses/schools since 2012 but it's not always going to work.
  • One reason I won't consider Verizon.
  • At this point, any time Microsoft releases something, it's just easier to assume you're going to see 'US only' in the article. Most of the time, you'll be right.  
  • I heard something about the "tap to pay" or the "wallet" itself to have changed in the last years in such a way I *wouldn't* work on older phones. Anyone remembers that?
  • I believe they said it had to do with current NFC standards versus the old ones. Plus, they have to be approved by the banks.
  • Yeah, I get this. so if its a matter of software and firmware only I can assume its going to be compatible with older phones at some point. If this standard is also related to hardware components we can forget about having compatible older phones.
  • Just stop whining and buy a new phone.. If everyone that was whining about upgrades with 3+ year old phones bought new ones, MS probably wouldn't have shuttered the phone biz.
  • What phone should I get?  I am currently using the FLAGSHIP phone on verizon. There is no better windows device on verizon than the Icon.  Yes, it is two years old and discontinued, but still has the best screen, processor, camera, and build combination of any other phone on the verizon network.
  • Consider ditching Verizon. Seriously. Unless you live in the middle of nowhere (in which case cellphone service is the least of.your problems), ATT (or TMo) are just as--or early as--good as Vzw...and cost a lot less.
  • Sorry, but actual usage shows that to not be true.  T-Mo absolutely blows where I live and AT&T has no reception inside my work place.  Verizon beats them both.  Plus, I have a great discount for verizon, so the cost is actually a few bucks less per month than AT&T.
  • Well, usually I'd agree with you (although I don't think we insiders buying would solve everything), but problem is the commitment MS had to older phones. Here I am back production version of W10m on L830 and still struggling to get it working. 
    Sure we can always say this "tap to pay" thing is a new feature, not an old feature they would be committed to.
  • W10M runs like a champ on the Icon.  The latest build has been basically flawless for me.  Bluetooth in my vehicle, wifi, battery life, etc. are awesome.  It's like a new phone.  The Icon sports a Snapdragon 800 processor, quad-core running 2.2 GHz.  There is no struggling.with W10M on this phone.
  • Good for you. I think I had only one build in the past I'd call it flawless, or almost that. But I'd send several reports on each build since the beginning. And now that I'm back to production build I still have to deal with random restarts (twice yesterday, while listening to music) on L830 (which is pretty much the same as the icon, right?)
  • The L830 is a completely different class of phone from the Icon.  The L830 has a lower resolution screen, less RAM, slower/less capable processor, worse camera, etc.  Worse case, there may be a required firmware update to meet the HCE requirement, but other than that, the hardware is more than capable.  Remember, the Icon used Tap to Pay during the short-lived SoftCard (ISIS) period, just fine.
  • Softcard was a combination of software (app) and a secure sim.
  • Happy you all are getting this.  This was a big reason I left the platform.  Maybe in two years, I'll be back!  :)
  • Remind me! What should we be happy about again!!!???
  • Yay. Hopefully a new build will roll out too tonight.
    P.S.: Germany here, just got the Wallet update as well. Tap to Pay still not enabled.
  • Apparently us 640 owners will be left out even though our hardware is newer. It doesn't allow me to add a bank card, just loyalty cards. HUGE bummer.
  • Are you in the US?
  • Yes sir.
  • Same here on my unlocked AT&T 640. I went into NFC settings, and although I can turn Tap to Pay on, no options under Default Payment app, even though Wallet appears to be updated and I am in the USA.
  • Your bank has to elect to participate. Not all banks do. I sorta suspect only B of A and maybe wells Fargo at this time.
  • You're not understanding. We don't have the option to even add a bank card.
  • You're not understanding. We don't even have the option to add a bank card. We're restricted to loyalty cards. We're not dumb.
  • Yeah, right now no Wells Fargo, but hopeully soon.  My Debit or regular CC through them didn't work.
  • Pretty sure the 640 doesn't have NFC... So there's that.
  • It has NFC, check here It just does not have the newer NFC.
  • Has the same NFC as the 640XL, which was approved. Go figure. Quick! Someone tell my wife that our 640s don't have NFC so she'll stop sharing contacts with me by NFC!
  • I realized I was thinking of the 635, which lacked NFC.
  • Got the update but no Tap to Pay. Might be US only. (Canada)
  • Confirmation for Canada. Just loyalty cards. No Tap to Pay.
  • In UK got the update but no tap to pay
  • Thanks for confirming, didn't expect it to work in the UK right away but hopefully we are next. We generally get things shortly after the US when it comes to Microsoft. Since the update the Wallet app just crashes on my 950, at least I'm not missing out on Tap-to-Pay due to the crashing. What phone are you on?
  • 950 XL
  • I added a Tesco Clubcard but doubt I'll use this much until Payment Cards come to the UK. I only keep a few loyalty cards so I think it's quicker to grab that from my wallet right now, but if both payment and loyalty in one app then it becomes less hassle to just use my phone (if that makes sense)
  • I got the update but no option to add a credit/debit card. I switched region to USA and the option is available now but still doesn't work because you have to register the card by adding your address. The system does not allow addresses outside the USA so doesn't work unfortunately. It was worth a try...
    Hopefully it won't be long til we get the green light.
  • Got the update in the UK but the Wallet crashes when I try to launch it. If somebody in the UK gets it running post here whether or not it has Payment. I'm not expecting it to outside the US in the early stages but you never know!
  • I have the updated app running on my 950XL but no tap to pay I am afraid.
  • Where are you? Just installed on my 950xl and I have the option.
  • Think he is in the UK like me
  • Correct - I am in the UK!
  • Got the update on my 950XL, no tap to pay in UK...
  • I'm not going to ask when it will be India
  • Lol  No Android pay, Apple pay. Should we expect Microsoft pay?
  • I dont really get the not sure what makes this a more reliable or useful service than debit/credit cards...
    cards are there with you at all times, need pin to authorise transactions and most of all wont run out of battery when you need it the most...! :P
  • And leave you stranded at the exit barrier after a long day at work as a dead phone is as useful as a spoon trying to hold a bucket of water :P.
  • No option to add a payment card here in Aus, only loyalty cards
  • Loyalty cards are still a huge improvement over the very limited number of third party mostly useless apps previously. Hopefully they will continue to add merchants to the loyalty card list.
  • You see a list? I can't get that. It just lets me enter in the details of the card manually, the barcode itself can be manual or scanned.
  • Having the same issue. 950xl Redstone in US. No way to add Credit/ debit card
  • It's a shame we don't have the Tap To Pay option in Australia yet, considering we're #1 in the world in adoption of NFC payments. Despite that, Apple and Androids offerings have been very slow to roll out here.
  • We also have a higher WP market share in AUS compared to the US. I can understand that there may not be any banks on board with this yet considering there is only 1 (ANZ) that supports Apple Pay, however at least let us add the cards without the tap and pay ability, until the banks are on board.
  • No tap-to-pay available in UK on L930.
    Also scanning in my subway card doesn't show the barcode off my loyalty card. It scans it and recognised it but then doesn't show up when I open the card unfortunately.
  • I scanned a Tesco Clubcard and it put in the number from the front of the clubcard but in reverse - Is this normal? It does show the barcode when I go into it - Unfortunately not detected the Clubcard branding
  • Got it on my 950, which is awesome, but apparently Chase debit cards are not eligible yet
  • Neither of the cards I've added are eligible either. My Key Bank Debit or my Capital One credit
  • Here is to hoping this is mainly a rollout test. Perhaps the cards will be added before Anniversary update.
  • I'll be writing a few emails today. None of my cards work: CapitalOne credit, USAA debit, PayPal Business Debit. Maybe have to get a Wells Checking that I'll just transfer spending, "pocket cash" into.
  • This is one of those that "Will never happen in Estonia" releases... Its so nice to watch all of it passing by... Together with Cortana, Xbox, Surface and countless other features, software, accessories and harware.
  • Can't you order things like Surface and Xbox from Europe? I know it's a pain but surely you can get access to them even if it's through more effort than it should be
  • Got the update on my 950XL, but none of my cards are eligible. :(
  • Got it, but none of my credit cards work with it. :(
  • Do I still need to install another app just to see my passbook tickets?? Hate it!
  • In the UK with a 950 and no tap-to-pay unfortunately. It won't even accept boarding passes either, only loyalty cards. Hopefully it'll roll out internationally on the preview programme soon, I don't really use loyalty cards so much but tap-to-pay would be really cool to have. Especially on the London Underground.
  • Yup, I don't have the "NFC" thing on my 950XL (france). Us-only for now it is !
  • Got the update on my 640 in the US, but no option for credit cards - apparently not supported on this device.
  • Same here.
  • Using the QR code at the bottom of the article, the latest Wallet app version I can get on my 640 XL running build 14371 is 1.1.16056.0.  A user in the forums said the new version of the app is 2.0.16160.0. Are you sure you got the updated app?
  • Time to get me a high-end windows phone... Looking at the 950XL :-)
  • I'd do that, but then I'd have no money to use tap to pay :)
  • Be lucky your have the option, I am on Verizon, not one of their models are supported for Tap 2 Pay...screw verizon..
  • Won't work in my Verizon 929. Of course.
  • Is there a dedicated forum to this? Would like to know if my bank works.
  • I started a forum post for people to add cards that they find work. Check it out here, and spread the word, hopefully we can start getting a nice list together.
  • Will add card soon. 950 in the US. Up updated it self today at 4am
  • No go on Lumia Icon, only loyalty cards.
  • yes, same, lumia icon. i had tap to pay turned off, turned on in settings but no change.
  • Oh well. I love the phone, especially with W10M, but it is over two years old now. Hopefully something can be done to bring support.
  • The worst thing is that even at two years old, it is the FLAGSHIP windows device on Verizon.  This is bullshit. There is no windows device that is better on the verizon network, yet we are still locked out.  I have the NFC updated SIM card installed, so that I can have encrypted exchanges with the phone, but no go.  I am stuck on Verizon, AT&T is not an option for me, so why is it that my current FLAGSHIP phone does not have this function.
  • Apparently none of my chase cards work with this....
  • Does that include their credit cards (such as Chase Freedom), or did you only try debit cards?
  • Tried a couple cards. Didn't work with either. Wonder if the app is there but the back-end support isn't?
  • Except that BoA works. And apparently US Bank does as well, at least it doesn't give the "working on this... This card isn't eligible for Microsoft Wallet yet". But it fails out on the verification portion.
  • Would be awesome if any of my cards were eligible.
  • App works on Lumia 950 xl w/ dual sim, but both may cards (citibank mastercard and my local banks visa) don't work.
  • they have a chip in them?
  • Over of them does
  • Dan Rubino, which card did you use at McDonald's? Has anyone successfully added a card yet?
  • Haven't seen any reports of a successful card yet. I tried my Discover and visa with no luck.
  • Daniel used his Bank of America personal card. Business card didn't work.
  • I believe it looks like a Bank of America card.
  • USAA Debit and Credit cards do not appear to be supported yet.
  • I noticed that too... I e-mailed them just now.  Let's see what they say.   
  • Awesome, please let us know what they come back with. I was going to ask my brother later since he works for USAA
  • Hopefully it will be soon
  • I'm emailing, Facebooking and Tweeting them. :)
  • Lumia 650: Loyalty cards, no Tap to Pay (The Netherlands)
  • Got the update on my 950XL, apparently my AmEx isn't supported yet even though it works for Apple Pay, hopefully MS is working on getting more issuers onboard.
  • I have a 950 (unlocked US) and can see the Tap to Pay feature but when I try to add my card, I get an error stating my "This card isn't eligible for Microsoft Wallet yet". :(
  • All 4 of my chase cards are the same way
  • Agree with Mike, none of my cards including Chase work
  • USAA not compatible with tap to pay. Many large merchants missing from the list of loyalty cards, such as Kroger, Albertsons, Costco, men's warehouse to name a few.
  • In the UK I don't even get a list of loyalty cards, but I can add manual ones - I hope we get frequent updates to this going forwards (in all regions)
  • USAA not supporting it does not surprise me. They don't even have chip cards for their debit cards.
  • You can add cards that arent listed. Select where it says "My card isn't Listed". 
  • Join the "email USAA" band wagon. ;).
  • I think that Bank of America is the only card working for now.
  • Nice.
  • I'm in the UK and have just got the Wallet 2.0 update. As I already knew from the article, the Tap to Pay option is US only at present, but I've added in all my loyalty cards :-) ​Barclays Bank in the UK sure as hell better approve the use of Windows 10 Tap to Pay over HCE. I've been a Barclays customer for 26 years, love using the official Barclays app on Windows Mobile. MasterCard/AMex/Visa have already approved the HCE chipsets etc in the new Lumias, so I really do hope that Barclays can sort out their side of things, and setup the neccessary requirements in order to pair the device with the bank account etc
  • I was a bit disappointed that we don't get the branded images for the loyalty cards in the UK (From what I can tell) Hopefully in a future update
  • Remind me why I would want to do this? I can reach in my pocket and take out my phone to 'Tap to Pay' but I'm too lazy to reach in my pocket to take out my card and 'Swipe to Pay?'  I don't get it.  Why would I want the added security vulnerability that comes with enabling access to personal information via NFC if I don't need to.  I'm glad the option is there and am not criticizing the addition...legitimately interested in what drives the desire for this feature.
  • In my case, I get tired of fumbling with chip cards. Swiping is easy, but it's going away. This should be easier and maybe faster, if any of my banks ever participate.
  • I only wanted it really for the loyalty cards. It's just a matter of time before some scammer figures out how to capture the Data stored in these systems and use it to clean out your accounts or steal your identity.
  • It's an e-penis kinda thang.
  • The pros are: Free pocket room. Your wallet in your phone. It's actually probably more secure since you do need authentication for nfc payments.
  • I can only see the benefit when both a loyalty card AND payment card are in the app - You don't have to fiddle taking the loyalty card out, putting it back in, taking out the payment card, putting it back in. Not that the above is a problem for me, but it's still less fiddling. I only use 1 loyalty type card in the UK for the Supermarket tbh
  • I use tap to pay all the time with android and I love it. I can't wait till its mandatory everywhere so I don't have to deal with a separate wallet. Try it you might get it then.
  • Works with my BofA Visa but not WF Visa. Also did not work with WF debit card so I'm thinking that WF is not eligible yet.
  • Was it a BofA Visa debit or regular credit card? 
  • Lumia Icon doesn't have a card option in the app, sad
  • Does any one know if this requires a secure SIM?
  • No. Microsoft uses hce. So it's getting rid of the need for those sims
  • I'm pretty sure I don't have a secure SIM and mine is working on 950 XL DS.
  • FYI for now it's not working with Chase, but it works with BoA Credit and Debit Cards. I don't know any other banks though.
  • It worked for me in my Lumia 550 and I'm in the philippines region :)
  • American Express doesn't work.
  • It would be nice to have it soon in the EU
  • My card provider declined to approve my card for tap to pay, PNCBank.
  • Sets up tap to pay no problem.No Wells Fargo or Navy Federal cards eligible. Lumia 950XL
  • Navy Fed won't even give us an app.
  • Just tape your debit card to your phone.. Bam .. Tap to pay.. Canada anyways.. Posted via the Windows Central App for Android
  • That was fantastic!! great post!!
  • 2.0 is out here in the UK, too. You can only add loyalty cards at the moment, though.
  • lol my lumia 535 set to US region also got wallet 2.0. this thing doesn't even have NFC. What a joke
  • Argh, just loyalty card feature is available in my Lumia 1520. Fast ring ain't touching my 950 XL yet ...
  • When I click the link on my phone, the browser page says my device isnt compatible but when I go to the store, I was able to update to 2.0. However the link to the "accepted cards" page goes to a page not found. Anyone have a link to the cards that will work? Chase, Corporate Amex & Paypal do not.
  • Awesome, except none of the banks I have Debit or Credit cards with work yet (local credit union) and Chase
  • I hope no one tries to hack their phones to make this work.
  • I've tried adding my Huntington card but it wants me to verify it by calling Huntington.
  • I'm IN with my 950 XL DS.  Existing credit cards wouldn't accept by my Bank of America Debit did.  Now I'm going nuts setting up my loyalty cards.  There needs to be an option to add Notes to cards.  I'd like to input website logon credential hints with the loyalty cards.    
  • I have the unlocked 950XL on AT&T and I'm running Fast Ring but I'm not seeing the update
  • Has anyone actually been able to add a card yet?
  • Holy **** wow!
  • Finally,,,been waiting for this so long
  • Is it available for lumia 640/640XL
  • Only loyalty cards
  • I'm asking the same. 640XL has teh same NFC specs and according to MSFT website, allows for NFC secure payments
  • Also in Finland and Germany. 950&650
  • Apparently neither Wells Fargo and Capital One are unsupported banks. Really, two of the larger banks are not spported? So it's basically a loyalty card app for me right now.
  • Pretty useless for me at the moment. Neither my Chase credit and debit cards or my AmEx are valid, since the financial institutions haven't signed up. Why release an app if the underlying negotiation and approvals were not sought from the banks?
  • What kind of question is that? Seriously? If they didn't release it, then they get chastised. They release but the banks aren't on board yet, and they get chastised. Its a no win for Microsoft with some people.
  • The apps not released. Your in the insider program to test apps and updates that arent finished and released. Posted via the Windows Central App for Android
  • I was able to add my card!!! I will try it tonight. Bank of America / 950XL 2sim unlocked / USA. Do you have to unlock your phone for it to work? Or open the app first?
  • Apparently, neither. Once you tap the NFC machine at the payment point and use Windows Hello, the default card you picked (in case you have more than one in your wallet) should pop up and process the payment
  • It did work without out being unlocked but Windows hello wanted to do an iris scan while it is on the pad. That looks stupid considering how close you need to get. I took off Iris scan and look forward to trying again.
  • Sorry but, I need to bash this 1/2 assed attempt at adding Tap to Pay to Windows Phone.  So let's see, a phone I sold about a month ago, a LG G2, older than the ICON, or even the 920 was out, is when it was released, Tap to Pay works perfect on it, I had BOA, Chaise and capitol one cards in it. No problem paying with them on any card with Tap to pay. Microsoft does it and they find a method to do it and the quickest way,in the process they BLACKLIST about 95-98% of their Windows Phone devices on the market. So, Why can Android use a 4-5 year old device, and Microsoft cant even suppport a year and 1/2 old device ? I was going to come back for this feature but, Oh, well, I'll stick with my LG G4 for a while longer and my ICON will collect dust...Thanks again Microsoft... I am on and prefer the coverage of Verizon.... Out of EVERY Windows Phone device they carried or carry now, in any where in the US, NOT ONE supports Tap to pay, so even getting another phone, not an option for us. SO lame, screwed over by Microsoft AGAIN, it just seems like the Norm with Windows Phone. And before you claim it's a new feature Microsoft has been saying it's coming from Windows Phone 8.1 release, The ICON and other models were not even available yet when Microsoft said it's coming...
  • Think it was explained in a previous post that only certain phones were certified. My 1520 isn't either. Was gonna stick with this but will likely get an Android device and keep this as a back up.
  • Yea but, a 5 year old Android device can use Tap to pay but, a 2 year old Windows Phone cant. Gota love Microsoft to find the quickest and cheapest way to add tap 2 pay insted of finding a way to support their loyal users... It's a big F'U from Microsoft... 5 phones, over $1000+ on phoens and this is the type of support.... Yea, I am using my LG G4....My ICON will sit on a shelf for a while, unless Microsoft gets their crap together...Or Verizon gets a phone that is worth owning..
  • I think someone needs a hug.   I saw you flogging MS and Daniel Rubino in a mini-Tweet storm earlier this week; this has really got you twisted up but don't lose hope.  This is like Day 3 of availability on a new Insider build, and by the time this build is officially released the Icon should be on W10.  Give it a few months before you throw in the towel.  If Verizon can come around on supporting the Icon then maybe the banks can come around on approving the Icon (see the linked article at bottom about the certification process; it might not be 100% Microsoft's fault).     As for Microsoft's earlier promises about tap to pay, keep in mind that they did in fact offer it.  I used the feature several times on my Lumia 920 right here in Fairfield County.  The problem was that it took Softcard (formerly ISIS) forever to go from announcement to limited in-market testing to final rollout. I must have Tweeted Softcard and AT&T about a dozen times in the ~18months between announcement and release.  I finally got it all working and then BOOM- Google purchased Softcard a few months later and shuttered the whole thing.  You can't fully blame MS; they didn't have the clout of an Apple to force their own solution onto carriers and banks so they had to play ball with those guys.  Who knew that Google would come along, take the ball home and pop it.
  • Good to know that the smallest number of Lumia users possible are getting this.
  • I still don't have it.
  • Wallet 2.0 is out. It might raise the average rating in the Windows Store above 1. It's probably only 1 because you cant rate an app like Wallet 1.0 with no stars at all!
  • Why on earth does the app need a PIN? Even more stupid is that it needs the phone to have a PIN! I don't use pins, iris ot anything else on my phones and haven't done so for years. I don't want to use a PIN or anything else for my phone. I might use it for individual apps or folders but never for my phone...
    What ever happened to options...
  • It doesn't, only for payment. If you aren't using a pin or hello for tap to pay, you probably deserve to have your identity stolen.
  • Oh you mean like girls in mini skirts deserve to get raped?
    I live in a part of the world where we aren't used to distrust everybody around us, so why should I waste my time unlocking my phone?
  • Out of curiosity, do you also not lock your house, car, or bicycle?
  • Of course I do, but I wouldn't if I could carry my car, house or bicycle in my pocket... Would you?
  • ummmmm they are there for a reason.... to protect you from those who might steal your phone. So that they don't access your info. If you have cards on there and somebody steals it guess what the first thing they will do is? Drain your account of all money....... You know what nevermind, if you can't understand simple protection of your data/identity/cards then you might as well just leave your phone sitting in the middle of a busy airport terminal, see how long it takes before you're in sh*t ton of debt and somebody has already taken your social security, have purchased a house in your name, and opened hundreds of credit cards and maxed them out. And yes, you are responsible for everything that has been done without your knowledge. Have fun digging yourself out of that! Cheers :)
  • My dear friend that's why we need options. Where I live the bank is 100% liable for ANY money used from my accounts that wasn't used by me. So if my card gets stolen, I don't end in a ton of debt. I'm NOT responsible for things that happen without my knowledge. That maybe how things work where you live, but not in my country...
    Oh I do protect my data, but I'm not on edge and distrusting every single living being around me...
  • Does your Debit card require you to use a PIN? Does Windows Central require you to use a password? Same difference. It doesn't matter where you live. Somebody can steal your money from anywhere in the world. And hate to break it to you, but having those security processes in place is THE LAW. There will be no other options.
  • The next debit card I'm getting will let me pay by just standing next to the pay-thingy with out typing my pin or even getting my card out of my pocket...
    As I thought I mentioned I do protect my data and my money, but I refuse to spend half my day sifting through pins, passwords, scanners and what not.
    As I also thought I mentioned, those laws are not the same where I live. Which is not I the US.
    Different places -> different people -> different wishes = options options options and more options...
  • IF they carry a VISA or MASTERCARD logo it is very applicable to YOU!  International requirements are the same for them.
  • My wife's and my cards are VISA cards, so explain this to me is the rules are the same all over the world. Last year my wife's card was used by people who in one or the other way got hold of her card's identity. In 6 instances 54$ was withdraw from our account. We reported it to the bank, and at the end of the week we got ALL the money back from your bank... So the rules are not the same around the the world = options options and more options...
  • The major thing to recognise here isn't who is liable for money stolen, it's the fact that you've let companies take you for a ride and is letting you handle all the **** while they charge you for their services. It's also the fact that you feel a need to literally "pin"-down every thing you can because you are scared of the bogeyman. If you show people trust, they will also trust you
  • Here, I suggest you go read all 1171 pages of how VISA has INTERNATIONAL laws to protect people like you from yourself.   I'm done!
  • I can see you don't understand the "pin" concept (which is really not very secure, thus why iris scanning and fingerprint scanners exist). It's not that I am scared of the "bogeyman" as you put it, it's that I like having a little bit of extra security. You keep speaking as if your country (wherever you live at) has 0 criminals. Where is this country? I seriously might move there because it would be really nice if I could trust everyone that I meet. Like I mentioned somewhere else, a PIN is really just to keep honest people honest. Unfortunately where I live there is an entire underground black market that sells stolen credit card data to people so that they can wipe you dry of money. Leaving your phone unprotected with card data on it, isn't exactly a recommended practice. But i'm not trying to convince you to change to using a PIN. If you don't want to use a PIN then don't use a PIN just be aware that certain services may force you to use one (to protect the company from law suits) if you want to use the service. It has nothing to do with options, but rather protecting yourself and the company offering the service.
  • That has nothing to do with them requiring companys like Apple, MS, and Google to secure your information. That type of stuff happens everywhere. And typically they know it's fraud and can prove it. Which is why you got your money back. But try and use that card and have to put in your signature or pin and tell them that it wasn't you. I bet you don't get that money back! You should really read the small print the next time you apply for a credit card.
  • Even if my pin is used with my physical card I still get my money back if the transaction wasn't performed by me... You people just can't believe that everything isn't the same everywhere?
  • Ahhh, I'm pulling out. You just don't see my point in this. Which is fair, but that still doesn't make it anymore correct what you are saying
  • quick question, how can they prove that the pin wasn't used by you? normally you have to have proof that it wasn't you. Unless you have a very very nice bank? Which bank is this? I will move to your country and get an account with this bank because it sounds amazing
  • Most of the time they cannot prove that it was not you, but the law (at least in the U.S.) obligates them to charge it off or push back onto the merchant (depends on circumstances). The way the bank covers itself in many situations is that you have to sign an affidavit (sworn document) affirming that you did not perform the transaction and they rely on your honesty. If you lied, you just committed a felony.
    There are ways to investigate, if it was you, which are sometimes exercised, if the amounts were egregious - CCTV at the point of sale,  or IP address for online transactions. It's a wild wild west...
  • Ok, do you understand what identity theft is? It's somebody who is posing as you and typically opens stuff in your name and then proceeds to use it. Usually without you even knowing it happened. That is extremely hard to get out of. No bank is going to be able to protect against that. This is what I was referring to. ​Now, about a card getting stolen (which has happened to me numerous times), yes it is easier to get your money back. And most credit cards and banks do protect you against unauthorized use (sometimes up to a specific amount like $50, I avoid these banks that do that and go for $0 liability ones). And it's not that I distrust everyone, but I would much rather take precautions against a possibility than trust everyone. Same thing with a lock on a house. Do you know how easy it is to get into a locked house? It's called keeping honest people honest. It's a safeguard. Same thing with a PIN. It's a safeguard. And if you have payment information on your phone how do you prove that it wasn't you if you didn't have a PIN to protect it?
  • Have you considered that maybe banks and credit card providers don't want to participate unless there is some kind of security mechanism?  In many cases it will be the bank or card provider, and not the end user, who will be liable in cases of fraud or theft.  You're more likely to have "options" when you're actually accountable for all of the risk.  
  • I am able to install and open it on my Lumia 930 on W10M build 14367 in India
  • I am on AT&T Lumia 950 on east coast. Insider Fast, but no update for me.anyone else
    2:33 update in WPA...
  • Same as you(At&T, 950, insider. Fast, but in Texas) got it first thing this morning.
  • Hmm. Lets see if any east coaster chime in
  • 950XL on AT&T, Based in NYC, got the app about two hours back. Though not much you can do in it unless you have BofA cards (or at least it looks like that for now)
  • 950XL on AT&T on the west coast but no update yet. Store still shows the old version. And I'm on Insider Fast Ring.
  • Same for me.  California.  Dual Sim 950XL with only one sim (AT&T) installed.  Updates pane indicates Insider Fast is selected, and I have the most recent redstone build installed. Just to be paranoid, I checked my regoin setting and it is United States.
  • On east coast (RI); Unlocked 950 on AT&T; No Wallet 2.0 showing up yet...
  • East coast here.   On fast ring, but I didn't get the update for 2.0.   Is there something else that needs to be done to get 2.0 Wallet update?
  • No wallet 2.0 for me either. Using 950XL in Utah with at&t sim, insider fast.
  • (AT&T, 950, FR, Texas) Still no update
  • Me neither
  • No update for me with 950 XL, insider build 14367, west coast
  • U.S. unlocked 950 XL, west coast, AT&T MVNO (Red Pocket). Nothing yet as of noon PT, June 22nd.
  • I'm using the Lumia 950 XL on AT&T, although it's unlocked.  I'm on fast-ring and I still don't have it either.  I'm in New York.
  • Let's me add payment cards on my 950xl but Citibank isn't supported yet. Called tech support and they are clueless about anything other than Apple Pay or Google Pay.
  • Citi told me they don't support tap2pay at all.  Which is a lie. They support Apple, Android, and Samsung. I don't get why MS Wallet is not working with them.
  • Anyone TD Bank? Mine worked and got the license agreement accepted, but then came up with a security code verification error. I am on with their support now, they claim Microsoft wallet is supported
  • I was able to add my US Bank Cash+ card (not my Chase cards), and used it at Walgreens today. It took way less time with Tap to pay than with Chip. YAY!
  • i wonder is a resgistrybhack would work with non compatible phones
  • No, it's the HCE standard which has hardware requirements for security. Not only do the phones have to have it, the terminals which you tap do as well.   BTW, I saw you had a 640 in an earlier post, I would assume the 650 will come down in price for the holidays around the corner. I usually pick a few of the 600 series phones during that time frame for family.
  • Hey, why doesn't this work on my Lumia 520? I put an NFC sticker on it. It should work! I bought a stinking prepaid Visa card at the corner store just so I could use tap to pay with my 520! /s (yeah, I was half expecting someone to complain about it.)
  • If you click on the Microsoft link these are the supported banks for now:
    Bank of America
    ​Chase (coming soon)
    First Tech
    ​Fifth Third Bank (coming soon)
    People's United Bank
    US Bank (coming soon)
    Virginia Credit Union ​and probably more banks added over time.
  • AMEX: fail.
    Capital One MasterCard: fail.
    Discover: fail.
    Regions debit: fail.
    PNC debit: accepted, but it says my security code is invalid. What bank/card actually works?
  • "Regions debit: fail." Thats what I need as well. :(
  • It's listed in another article
  • If I had a single criticism about Microsoft, it would have to be the old and trite 'US Only' label. They're never going to catch up with Apple's marketshare unless they begin to look outside American shores. Hell, the Band 2 isn't even available in Sweden yet, and this is the most internet-connected nation in the world!
  • Any USAA members out there.....Just spoke with a rep and they aren't working with MS yet but will forward any concerns we have to the "Voice of the Member" team to get things rolling. They said to contact them via chat, email or twitter (@USAA) So if you'd like to see USAA get into the MS Wallet, let them know! Otherwise it won't happen.
  • Don't understand why it said this app does not work on my phone, 950 XL with Redstone insider fast ring
  • I'm still waiting on that infamous Groove update that showed up on my wife's 950XL, and now she has Wallet 2 on hers as well. We both have exact same OS versions (14367) and I can't get either update. I've erased phone and reinstalled again, still nothing. Frustrated.
  • Re-enroll in fast ring. Takes up to 48 hours for updated to show in my experience after re-enrolling.
  • Microsoft being Microsoft. US Only. Again! Windows Central: Could you please start taking this issue seriously? In my view, it is one the major issues holding Microsoft back. All those great Cortana features. Smart Quiets Hours, etc? Forget them, they only work in a handful of countries. Bing? Forget it, outside the US it is only a source of jokes these days, it is so laughably bad. And the tech press mostly ignores this issue, because it is mostly US-based as well. Microsoft needs some serious pressure from all sides. I normally defend Microsoft and like their products, but this US focus is inexcusable. I mean, it's hardly a surprise that Cortana needs to work in other countries, so why wasn't development done simultaneously. Microsoft is one of the world's largest software companies. I refuse to believe they don't have the resources to pull this off.
  • Is it rolling out slowly?
  • The link takes me to the Wallet 1.1 install and says my dual sim 950XL is not compatible, even though it is already installed. Can't seem to update it or uninstall it.  I double checked that I am still in the fast ring.  I am Redmond adjacent, on AT&T, with BECU card in hand.
  • I'm in the same boat as you are in, I can't get the darn update for nothing..
  • Check your build #.164 or wife got it on.167...nothing
  • I was on 14367.  Upgraded to 14371 last night, still no upgrade for Wallet.
  • Same here.
  • Does anyone remember Softpay?it worked with american express card at Walgreens with a Lumia 830. Then google purchased and shut it sad can't even due that with a lumia 950...
  • Yeah it was softcard I think. I opened an Amex account just to use it. I used it successfully until Google bought softcard and shut it down. Im glad we finally have integrated functionality. I have 1 credit card tied to it so far and will be trying it out asap.
  • Was able to install on 950xl however of course my debit card is from a non-participating bank.
  • I still can download the darn thing..
  • I really hope this gets expanded to Europe and the rest of the world very, very quickly.
  • No 640 XL LTE Support
  • Hopeful it'll come to other markets as well, so that when I buy 950 it'll have a lot of yummy stuff after Anniversary update. :)
  • I don't have NFC on my Fierce XL so don't get the tap to pay feature, which I'm fine with. Great built in passes, loyalty cards and tickets features though! Added all my library cards and loyalty cards
  • Got the update Lumia 830 redstone
  • US only = useless... Hopefully they get other countries up and running, quicker than they have in the past!
  • Does it work with PNC?
  • No, call them and request it
  • I just updated to the fast ring on my 950 XL. I'm in the US and I can't seem to get the app update no matter what.
  • Neither can I, it must be only for some people because I've been trying to update my app all day..
  • My 950XL was already running fast ring and I can't get the update. The store still shows the old version. I'm on AT&T
  • Ditto. Happy to hear I'm not alone.
  • same here! any resolutions?
  • If you want to see more countries supported in the future, vote here : feedback-hub:?contextid=358&feedbackid=848aaa3c-ce11-4c7c-885d-a1156490cf40&form=2&src=1
  • I love this, flagship phone in the US on AT&T with Bank of America. I read that tap to pay was more secure due to the fact that if an establishment were to get hacked they would only get the dummy card info your phone used. That combined with the iris scan seems more secure. Can anyone confirm this?
  • nevermind, bad info on my part
  • I'm in the us with a 950xl, been trying to download this since the announcement and this link takes me to a pre 2.0 version already installed on my phone... What gives?
  • Same thing with me. I have a 950xl dual sim and no wallet 2.0 update
  • Installed the latest update to 14372, has wallet 2.0 built in. Tried to add a discover card and was unsuccessful but card was charged twice for $1 in the validation process.. I'm not sure what that was about
  • Tested it out today at Wallgreens and FoodTown. To use it I tapped it to the payment terminal, it requested my iris login so I kept it there while I let it scan me then the payment went through.
  • AT&T 950 Link in the artical does not take me to Wallet 2.0.
    Running latest Redstone and everything else is up to date. Will have to wait and see if I get any kind of auto update from the store. Either they pulled it, or link is broken.
  • Check now, I just got it on my 950 AT&T
  • On an ATT 950, Fast Ring, no wallet update.  Anyone have tips?
  • Finally got the update today, Wallet and 14 other apps on the Fast Ring.
  • I got it to work with my BECU card. It has to be their debit card, because credit cards through BECU are actually provided via a third party. I added the card (couldn't scan it with its flat letters), and then had to call BECU to get it validated. I had too laugh when I explained what I needed and the rep said "Mi..cro..soft?" She initially said they didn't support it, but finally checked with tech support, and bam, I was off and going!
  • My Fidelity Visa didnt work yesterday, does today. They appear to be coming quickly. I noticed that the MS Wallet page changed today as well to include MasterCard and Visa in general. I dont think we will have to wait much longer for many more to be available.
  • Installed the latest update to 14372, has wallet 2.0 built in. Tried to add a discover card and was unsuccessful but card was charged twice for $1 in the validation process.. I'm not sure what that was about
  • I just got the app at the store last night on Slow ring (14367) on my 640XL. App works great in terms of the loyalty cards, but when I click on the app store option, all I get is a black screen and no apps. I like it though, it is faster than the Barcode Wallet I used up until now. Overall, this is a keeper. Wishlist:
    - allow editing of loyalty cards once created
    - allow custom sorting of cards (by name, etc...)
    - allow uploading of custom graphics for cards
    - allow zoom, so we could see a dozen cards on screen at a time in mini version (helpful feature, if you have tons of them)  
  • Tired of these region lock crap.
    Europe always waiting for new feature's.
  • Re-signed up for Fast Ring and installed the 14379.0 OS, and upgraded to Wallet 2.0. Got the cards installed, and went to McDonalds for breakfast to try it out. I 'tap-to-pay' and the L950 wants to dig into my iris to scan it, alas without success. It eventually timed out and said I have to enter a PIN, but I didn't see where that would happen. I tried it a second time again without success. Felt like a fool staring into my phone when the clerk was waiting for me to make a payment and people were in line behind me, so I ended up loading the non-virtual Wallet to effect my purchase. Where does the PIN come into play within an app?
  • Update: When the IRIS scanner times out and it says to 'Please enter your PIN' there's a small blue hyperlink underneath which says "More choices". That is where the option to enter a PIN is located.
  • Again Microsoft ignores that the world is bigger than US only.
  • To be fair, that is the way of most Americans, it is frustrating though when the tech is there from the other 2 mobile OS providers, but not from Microsoft! 
  • Can't add my Amex card.
  • Does anyone know, if this could run on 640 XL? I looked at the sepcs adn 640 XL is showing same NFC specs as 650, which is supported according to MSFT's website. Anyone?
  • November 2016 and still I'm in uk and my lumia 930 doesn't have wireless pay. Still if it's 2 years after they released their gesture app on windows 8.1 and still not brought it to windows 10 or 2 years and Skype app still missing key and important features I won't be holding my breath.slow is slow and Microsoft is very slow.