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Consult your digital wallet provider for applicable terms. Your use of a digital wallet may also be limited by where you shop. Not all merchants accept digital wallets yet, so you’ll still need to carry a credit or debit card as a backup payment method. Digital wallets are available to consumers free of charge, and they're fairly easy to obtain. Starbuck gift cards can be uploaded and also reloaded with a debit or credit card. Checks can be altered, cash can be stolen, and credit card numbers can be used in card-not-present transactions. Bank accounts can now be accessed with no more than an email address and a password. Sometimes, transfers can even be made just by entering a sum into a messaging service. If your phone isn't password-protected, you risk giving someone else access to your finances if you lose your phone. Additionally, there might be local businesses you prefer to shop at that don't yet have a point of sale that accepts this technology. Digital wallets ...