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The Associated Press

NEW YORK — Faster, better, cheaper. For most consumers, the verdict on mobile payments is still out. But this holiday shopping season, trying a new way to pay may at least be cheaper.

PayPal and Google Wallet are offering deals and discounts to entice customers to use their services. Shoppers need to pay for goods in stores using a smartphone or online. The deals are available at major stores, including Toys“R”Us, Sephora and Home Depot. The promotions occur as competition among such services intensifies, with the recent release of Apple Pay.

To take advantage, shoppers need to open an account at either service’s website by linking a credit or debit card. Having an account at PayPal or Google Wallet can mean faster checkouts online. Whether shoppers are on a computer or using a smartphone, they can click on the button for each service and their card information and address displays automatically. At stores, there’s no need to swipe a credit card or take out cash — just a few taps on a smartphone app or hovering the smartphone over a register, and the transaction is done.

Apple Pay, which is only available to iPhone 6 owners, isn’t offering any holiday discounts. But its partners are advertising perks. JPMorgan Chase offered customers a free download of DJ David Guetta’s new album, if they connected their Chase credit cards to Apple Pay.

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