Google Pay Frequently Asked Questions
- Where do I download Google Pay?
- Can Google Pay be used on any Android device?
- Is Google Pay a safe and secure method of payment?
- How many cards can I use with Google Pay?
- Is there a fee to use Google Pay?
- How do I begin using Google Pay?
- How do I make my Institution for Savings card my default card?
- How do I use Google Pay to make purchases?
- Can I continue to use my plastic card after I add my card to Google Pay?
- How will I know if a transaction was successful when paying with Google Pay?
- How will Google Pay transactions appear on my statement?
- Do all merchants accept Google Pay?
- How do I return an item purchased with Google Pay?
- What if my Android device is lost or stolen?
- What should I do if I get a new ATM/Debit card?
Eligible phones can get Google Pay by downloading it from the Google Play Store.
No. Google tests various Android makes and models to determine which are technically ready to use Google 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 Google Pay.
Yes. Google 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 Google 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 Google Pay app.
No, there is no fee to use Google Pay.
- Download the Google Pay app at the Google Play Store if not already loaded on your device.
- In the Google 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 Google Pay setup process.)
Once you’re in the Google 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 Google Pay wherever you see this icon at checkout or online.
You don't have to open the Google 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 Google 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 Google Pay transactions in the Google Pay app.
All transactions completed with Google Pay will appear on your Institution for Savings statement as a typical point-of-sale transaction.
You can use Google 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 Google Pay and in participating Android apps and display a contactless payment symbol. View the list of merchants and apps at Google Pay.
To return something you bought with Google 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 Google Pay so we can disable your card for use with Google Pay. If you locate your device, you will need to add your card back to Google Pay before using it to make any Pay purchases.
When your debit card enrolled in Google 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 Google Pay.