ISIS Mobile Wallet, a competing service to Google Wallet backed by three major carriers, has finally made its official launch in the U.S. Customers with compatible phones and specific SIM cards on Verizon, AT&T and T-Mobile can now download the ISIS Mobile Wallet app and get started with mobile payments. At a time when Google Wallet is pushing away from needing any specific carrier or even a secure element in the phone, ISIS requires quite a few hoops to get started. First up you'll need to be on one of the three aforementioned carriers, and that's it. Next, you'll need a compatible phone, which in every case is a subset of carrier-branded phones currently offered. You'll also need a so-called "enhanced SIM," which carries a secure element required for the transacation. Lastly, you'll need the specific ISIS Mobile Wallet app for your carrier - although they look identical, Verizon, AT&T and T-Mobile each have their own app in Google Play (Verizon / AT&T / T-Mobile)