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Apple Pay or Google Pay vs Credit Cards - which is safer?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. Digital wallets let you pay for things without having to carry physical cards or cash. Learn how they work. Step 1: Add your Bank of America� cards to your Digital Wallet. See how Step 2: Look for the Contactless Symbol in stores � it's how you know where to pay.