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Mobile payments

Mobile Payments

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At First National Bank, we work hard to make sure the most convenient payment methods are available to our customers. That includes the top mobile payment methods. 

What is a mobile payment? 

A mobile payment method (also known as mobile money, mobile wallet, or mobile money transfer) refers to payment services performed from or via a mobile device. Instead of paying with cash, check or credit cards, a consumer can use their  mobile phone to pay for a wide range of goods and services. 

The last thing you want to do after waiting in line for your morning coffee is to waste more time looking for the right card or counting change. Instead, pay with your phone. 

Different Types of Mobile Payments

  • Barcode transfers. You scan a barcode on a screen or in-person to send money instantly. Usually requires some kind of intermediary pay service that the recipient and payer need to be registered to. 
  • Mobile bank transfers. Digital apps allow you to send money directly from your bank account to another bank account using your FNB Mobile app. Only requires the payee's bank details. Payor and payee do not need to belong to the same bank for this to work. You don't need merchant accounts either. 
  • App-to-app transfers. This includes cash apps as well as payment processors like PayPal. Parties need to have the app or use the web version to transfer money. 
  • Peer-to-peer payment systems (P2P). P2P payment systems let you use your First National Bank account or debit card to send money to others using your mobile device. Learn more about how P2P systems work to send money to your family, split rent and utilities with friends, or pay bills faster and easier than traditional payment methods like bank transfers. 
  • ‚ÄčContactless payments. Contactless payment is a secure method for consumers to purchase products or services via debit or credit cards by using radio-frequency identification (RFID) or near field communication (NFC) for making secure payments. To make a contactless payment, a person simply needs to tap their card or smartphone near a point-of-sale terminal - earning the nickname "tap-an-go."  The symbol for contactless payment looks like this: 


Why use mobile payments?

  • Mobile payments are fast. Depending on the app you use, money could be in your account within seconds.
  • Mobile payments are secure. Because there is no physical wallet to carry around, the change of theft is lower. Many people prefer paying with their smartphones because of the security benefits. They have fingerprint readers, voice recognition, and even face scanners. 
  • Everyone has a smartphone, well almost everyone starting with kids in middle school. 
  • Compatible. First National Bank's debit cards are compatible with popular apps for mobile payments, including Apple Pay and Google Pay. 

App store graphic   Google play graphic

Read more about Apple Pay here and Google Pay here.


If you want to be paid faster than ever before, you might consider mobile payments. Secure, fast, and compatible with your bank account, mobile payment applications are also a quick way for you to take payments. 

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