It’s Financial Literacy Month — and what better time to check in on your financial hygiene? That includes looking into steps you can take to protect yourself from fraud. Today we’re sharing three ways to keep your payment details safe with Google Pay.

1. Make digital payments with Google Wallet

More and more people are using tap-to-pay, a quick and easy way to purchase something right from your device — whether you’re grabbing coffee, buying groceries or catching the train. In fact, according to a recent Forbes Advisor study, 53% of people use digital wallets more often than traditional payment methods.

Contactless payments are not only convenient, they’re also more secure than swiping your card. When you add a payment card to Google Wallet, it creates a device-specific virtual account number, known as a device token, so your real card number isn’t stored on your device or shared with merchants. (Don’t worry — you can still get any card rewards when you make a payment!)

And if your device gets stolen, you can rest assured that your payment methods are safe. Contactless payments with Wallet must be recently authenticated with a secure screen lock — like a PIN, password, facial recognition or biometric.

2. Create a virtual card number in Chrome

Virtual cards add an extra layer of security when you’re shopping online. A virtual card is a digital version of your credit card, where your 15 or 16-digit card number is replaced with a unique card number. That unique number is what’s shared with businesses, helping to protect you from potential fraud.

It’s easy to set up a virtual card through Google Pay. If you’re checking out from Chrome desktop or mobile with an eligible American Express, Capital One or Citi card, you’ll see the option to save it as a virtual card. Once you do, you’ll be able to use your virtual card the next time you check out with autofill.