Google Pay FAQs

1. What is Google Pay?

Google Pay India is a mobile payment service that can be used by users to make payments using
Credit Cards and UPI. For Credit Cards, Google Pay uses a process called Tokenization to replace
the sensitive card information with an alias called token that is then used for payment instead of
the sensitive card information.

2. How do I use Google Pay?

• Unlock your phone: Turn on your phone screen, and then unlock your phone. You do not
need to open the Google Pay app.
• All you need to do is Tap your phone in the same way as you would tap your physical card at
the terminal.
• Please make sure that NFC is turned on in phone settings.
• In case you have multiple cards added to your account and wish to change your default card
settings you can do so through Google settings on your device (Not Google pay settings)
• Pay at any store that has a tap & pay enabled terminal. You should look out for terminals with
the contactless symbol or ask at the store

3. How does Google Pay work?

Google Pay uses near-field communication (NFC) technology to process payments at

Contactless/NFC terminals. It also works with almost all magnetic strip terminals as it uses
proprietary magnetic secure transmission (MST) when the phone is held against the terminal.
The phone emits a magnetic signal that emulates the magnetic strip found on the back of a credit
or debit card. Know more

4. How can I create Google Pay account?

• Download Google Pay on phones running Android 5.0 (Lollipop) or higher.

• Enter your phone number.
• Sign in with your Google account.
• Follow the instructions to secure your Google Pay app and add a Card/Bank account.

5. How secure is Google Pay?

Google Pay protects your card payment info with multiple layers of security using one of the
world’s most advanced security techniques.
We use a process called Tokenization to replace sensitive card information with an alias called a
token. This ensures that your sensitive card information such as the 16-digit card number and
CVV are never shared with anyone, including other apps and sites.
Know more about how to protect your Google Pay Account

6. Can I download Google Pay App?

Yes, you can download the Google Pay India app from the Google Play Store.

7. What devices are compatible with Google Pay?

All devices with Android 5.0 (Lollipop) or higher

8. Which mobile number should I use for Google Pay registration?

While linking your Bank of Baroda Credit Card with Google Pay wallet, the OTP to complete the
registration will be delivered to your registered mobile number thus please ensure you have
access to the mobile number registered with your Bank of Baroda Credit Card.

9. How to Add your Bank of Baroda Credit Card to Google Pay?

• On your mobile device, open Google Pay

• Tap on your Profile picture > Payment methods -> Add Credit or Debit Card - > Follow
screen instructions to add your Bank of Baroda Credit Card
• You can scan you Bank of Baroda credit card or use “enter details manually” option and enter
your Bank of Baroda credit card number, expiry date, CVV, and the cardholder’s name and
billing address.
• Tap Save
• Accept issuer Terms & conditions
• Google will contact the issuer to validate the card details and shown option to select mode for
OTP verification.
• You will be asked for additional authentication via OTP
• OTP will be auto read or you can enter it manually
• After your card is verified, you’re ready to use it for transactions.
Click here to Know more

➔ Important:
You should receive this OTP via text message to the phone number/ email associated to your
Bank of Baroda Credit Card. If you don’t receive a one-time password, verify that your contact
information is up to date with your bank.

Please note that Adding your card to Google Pay will register your card for Tokenized card
payments for all the below use cases:
• Tap & Pay at NFC enabled terminals
• Mobile Recharges on Google pay and Online payments on 3rd party merchants where
Google pay is supported

10. How to remove your Bank of Baroda Credit Card from Google Pay?

• On your mobile device, open Google Pay

• Tap Settings - >Payment methods.
• Tap the card that you want to remove - > Remove card.
Click here to Know more

Please note that removing your Card from Google Pay will automatically disable all forms of
tokenized card payments for you. You can also call your issuer to de-register your card post card
addition

11. If I reset my phone, what happens to my Google Pay account?

Formatting or resetting your device will remove all payment Cards registered to your device.

12. What should I do if my device is lost or stolen?

• You can open your Android Device Manager from here and Lock your device from the Secure
Device option in the menu. This will deactivate all your card tokens
• You can also choose to Wipe out the device in which case we will remove the tokens
completely from the device instead of de-activating them
• You also have an option to call your issuer to de-register your Card tokens on Google Pay

13. How can I cancel or dispute a payment made by Google Pay?

Cancelling or disputing a payment made with Google Pay is exactly the same process as with a
physical card.

14. Can I use Google Pay at an ATM?

Currently Google Pay will not work at ATMs in India.

15. Can I use Google Pay in foreign countries?

If your physical Bank of Baroda Credit Card is enabled for international payments, you should be
able to use Google Pay to make your payment in countries where Google Pay is launched.
Click here for details

16. Why the card image in Google Pay is different from my physical card?

There is no problem if the card displayed in Google Pay differs slightly from the physical card.
The key points to look for are:
• The card issuer (Bank of Baroda Credit Card) logo
• The card network (Visa/Mastercard/RuPay)
• The last four digits of the physical card

17. Will my card work if I delete or remove the card from Google Pay?

Yes - your plastic card will continue to work at POS terminal and ecomm txn etc.

18. I am unable to register my card on Google Pay.

Tokenization is currently not available on

• Bank of Baroda MasterCard Credit Cards
• Bank of Baroda RuPay Credit Cards
19. How many cards can I register with Google Pay?

You can register upto 10 payment cards on Google Pay - these can either be debit or credit cards.

20. Does Google Pay store my personal information?

Google does not store your personal or payment information on a Google server or the device.
Google Pay does not change the way your payment information is stored or handled when you
make purchases. Your payment information will continue to be managed by your card network
and card issuer. Only a device-specific token, which is used to replace your sensitive payment
information, is stored on the device.

21. How is my default payment card in Google Pay determined?

In case you have multiple cards added to your account and wish to change your default card
settings you can do so through Google settings on your device (Not Google pay settings)

22. How long will it take for my card to activate on Google Pay?

The average amount of time between the request for activation on Google Pay and subsequent
approval will be within minutes, but can take up to 10 minutes after any additional verification
requirements have been met. If this amount of time has been exceeded, remove the card from
Google Pay and register it again. Contact Customer Care for assistance if you continue to
encounter delays.

23. How do I contact Google Pay Customer Care?

If you have questions about your Google device or Google Pay, click here

24. Is there customer fee or service charge to use Google Pay?

No, Customer will not be charged for any transaction made on Google Pay platform using Bank of
Baroda credit cards

25. How can I set transaction limits for my Card transactions?

You can visit Bank of Baroda Credit Card customer portal www.bobfinancial.com or mobile app
to set and modify per transaction and daily transaction limits for your card transactions. The
same limits will be applicable for tokenized transaction.

26. Where can I see the Google Pay card purchases made with my phone?

For online transactions:

You can view your transaction history in the All transactions section on Google Pay
You can also view the transactions in your conversation section with the individual merchants
Your Tap & Pay transactions will not be visible in the Google Pay app and you can view them in
the cards section on your issuer customer portal/mobile app.

27. Will my Card work on Google Pay if my physical Card is closed or blocked?

No if your physical card is blocked then even your tokenized card on Google Pay will not work

28. What if my Card is suspended or expired?

You will not be able to add your card to Google Pay if your card is suspended or expired
If your added card on Google Pay gets suspended or expired then they do not show up in the
payment methods screen on Google Pay
29. Can I enroll the same Card on more than one device using Google Pay?

Yes, you can register the same Card in multiple devices. Please note that even if you register your
Card on more than one device, any SMS communications about your Google Pay account will still
be sent only to the registered mobile phone number with bank

30. I do not have a contactless card. Can I add my card to Google Pay and do Tap &
Pay/ contactless in-store transactions

Yes. You can absolutely enjoy the contactless experience in Google Pay, even if your physical card
is not contactless. All you need to do is have an NFC enabled phone and turn on NFC in settings
and add your card to Google Pay

31. What is the permitted limit for Tap & Pay OR Near Field Communication (NFC)
transactions?

The Permissible limit for Tap & Pay transactions in India is INR 5000. You can use Google Pay to
transact only upto INR 5000 at merchant terminals. Your card PIN will not be required for these
transactions.