Android Pay Frequently Asked Questions
- Where do I download Android Pay?
- Can Android Pay be used on any Android device?
- Is Android Pay a safe and secure method of payment?
- How many cards can I use with Android Pay?
- Is there a fee to use Android Pay?
- How do I begin using Android Pay?
- How do I make my Institution for Savings card my default card?
- How do I use Android Pay to make purchases?
- Can I continue to use my plastic card after I add my card to Android Pay?
- How will I know if a transaction was successful when paying with Android Pay?
- How will Android Pay transactions appear on my statement?
- Do all merchants accept Android Pay?
- How do I return an item purchased with Android Pay?
- What if my Android device is lost or stolen?
- What should I do if I get a new ATM/Debit card?
Android Pay is preloaded on some Android phones. Other eligible phones can get Android Pay by downloading it from the Google Play Store. If you cannot find the Android Pay app on the Google Play store, it is because your device is not compatible with Android Pay. Only users that have KitKat+ devices with NFC and HCE can download Android Pay.
No. Google tests various Android makes and models to determine which are technically ready to use Android Pay. If your current Android phone is running on KitKat version 4.4 (to check this, open up Settings and scroll down to 'About Phone') and has an NFC module inside then you can use Android Pay.
Yes. Android Pay is more secure than using a traditional card. Instead of using your actual debit card number, Apple Pay assigns, encrypts and stores a unique device account number on a dedicated chip on your device. When you make a purchase, that device account number is used to process your payment. Your actual debit card number is never shared with merchants or transmitted with payment, helping reduce the potential for fraud.
As a security measure, you will receive a “verification required” message when adding your card to Android Pay and need to call our Deposit Services department at 978-462-3106 to verify. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.
As many as you would like! There is no limit on the number of cards storable in the Android Pay app.
No, there is no fee to use Android Pay.
- Download the Android Pay app at the Google Play Store if not already loaded on your device.
- In the Android Pay app, touch the + sign to add a credit or debit card to pay with your device.
- Position your card in the camera frame to automatically enter your card information. Enter the security code found on your card and provide additional information as required.
- Accept the terms of service and set your screen lock. (Activating Device Administrator is part of the Android Pay setup process.)
Once you’re in the Android Pay app, you can set your default card as follows:
- From the home screen, touch your Institution for Savings card and swipe up to move it to the default position.
- From your Institution for Savings card details, tap the instruction to set a default card. Or, from Google Settings, press your Institution for Savings card to change it to your default.
Use Android Pay wherever you see this icon at checkout or online.
You don't have to open the Android Pay app to make a purchase with your phone. Just follow these steps:
- Wake up and unlock your phone.
- Hold the back of your phone against the contactless payment terminal.
- If prompted, choose "Credit" regardless of your type of card.
- If you’re asked to enter a PIN, use the PIN you chose when you set up.
Yes. You can continue to use your plastic card as you usually would after you add that card to Android Pay.
For in-store and in-app purchases you will see a confirmation screen in addition to a transaction notification on your device. You can always view your Android Pay transactions in the Android Pay app.
All transactions completed with Android Pay will appear on your Institution for Savings statement as a typical point-of-sale transaction.
You can use Android Pay with your NFC-enabled device running Android OS 4.4 (KitKat) or higher at over one million locations whose payment terminals are set up to accept Android Pay and in participating Android apps and display a contactless payment symbol. View the list of merchants and apps at Android Pay.
To return something you bought with Android Pay you'll need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, simply hold the back of your phone to the contactless payment terminal.
If your Android device is ever lost or stolen you can use Android Device Administrator to lock it remotely, create a new password, and wipe your personal information from it. We also recommend notifying your mobile carrier and calling the Institution for Savings number on the back of your card promptly. Mention that you added your card to Android Pay so we can disable your card for use with Android Pay. If you locate your device, you will need to add your card back to Android Pay before using it to make any Pay purchases.
When your debit card enrolled in Android Pay expires, or is replaced due to loss, theft or fraud, you will need to add your new one in – either using the device camera or by manually adding the information. You must first delete your old debit card from Android Pay.