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And before you sell or recycle your device, it’s a good idea to back up your data and then delete your personal information to help prevent things like identity theft and credit card fraud. To complete the transaction, you might be required to provide a passcode or authenticate through fingerprint or facial recognition. From there, you can use the app to make purchases, pay someone directly or even use tickets for things like concerts or travel. Digital wallets are electronic versions of your physical wallet and allow you to pay for things without using physical cards or cash. Samsung Pay lets you carry your credit, debit, gift and membership cards on your devices. Just take a photo of your card or a barcode, then tap to check out. A process called “tokenization” — that keeps your credit or debit card number a secret when you make a purchase. Major digital wallets like Apple Pay, Samsung Pay and Google Pay are dependent on the phone you carry. You can’t use Apple Pay on an Android ...