Use Wallet to collect your credit and debit cards, coupons, and deals all in one place.
Wallet is a virtual wallet on your phone. You can:
Store your credit and debit cards on your phone. To add a card to Wallet, you must sign in to your Microsoft account on your phone. If you already have a credit card on your Microsoft account, it is automatically added to Wallet.
Make Store payments, for example, when buying an app from Store
Make in-app purchases with your cards stored in Wallet
Check your debit card account, if there is a Wallet app available to go with your card
Store your deal coupons and membership cards in your Wallet
To keep your Wallet secure, define a PIN code for it.