Google Pay™

makes shopping
faster and safer.

Whether you’re shopping in an app, or at any o f more than 1 million stores across
the U.S., your Android™ phone or tablet can make paying with your Ravalli County
Credit Union credit or debit card quicker and more secure.

 Just add your cards to the Google Pay app.

 Unlock your phone and hold it near a contactless terminal to pay in store.

 A digital account number keeps your card details safe.

 Immediately receive a no tification and receipt with transaction details.

Google Pay even pro tects you if you lose your device. The online Android Device
Manager lets you instantly lock your phone or tablet from anywhere, as well as
secure it with a new password or wipe it clean o f all your personal information.

Click to get started with Google Pay™.

*Works with smartphones using Android™ 4.4 (KitKat) or higher that support NFC (Near
Field Communication) and HCE (Host Card Emulation). Google Play, Android, Google
Pay, and the Google Logos are trademarks of Google Inc.
Google Pay
Frequently Asked
Questions

What is Google Pay? How do I add my cards to Google Pay?

Google Pay™ allows you to pay for your purchases with Google Pay comes preloaded on several devices. If your
your Android phone running KitKat (4.4) or higher by holding phone doesn’t have the app, simply download it from
your phone near a contactless reader at a participating Google Play. If you already have a card in your Google
merchant. Your phone also needs to support NFC (Near account you can simply add it to Google Pay by confirming a
Field Communication) and HCE (Host Card Emulation). few details, or you can add a new card from any
participating credit union—it’s as simple as snapping a
Where do I download Google Pay? picture. Then simply unlock your phone and tap to use
Google Pay is preloaded on some Android phones. Other Google Pay at any of the over one million store locations
eligible phones can get Google Pay by downloading it from throughout the US that accept contactless payments.
the Google Play Store. If you cannot find the Google Pay
app on the Google Play store, it is because your device Why is the card image in Google Pay different
is not compatible with Google Pay (only users who have than my physical card?
Android 4.4 (KitKat) or higher devices with NFC and HCE can The payment card displayed in Google Pay may not match
download Google Pay). your physical card. In those instances, Google Pay will use
a graphical representation of your card. You can determine
What is the difference between Google Pay and your card is accurate by verifying the following information
Google Wallet? matches your physical card:
In January 2018, Google combined Google Wallet into the a The card network (i.e., Visa®, Mastercard, or

new Google Pay solution. Google Pay lets you use your American Express®)
phone to pay in stores with most credit or debit cards a The card issuer (e.g., credit union)

across eligible Android devices. It also lets you send and

request money, load money to your account and use that If I have multiple cards stored, which card does
balance for payments. Google Pay can also be used to Google Pay use for a transaction?
withdraw cash from ATMs. You can choose which card to use as a default—this card
is always displayed on your Google Pay home screen at
How many cards can the Google Pay app store? the top with additional payment options and loyalty cards
As many as you would like! There is no limit on the number stacked below. If your default card is not accepted at a
of cards storable in the Google Pay app. retailer, you will need to choose another card on file with
Google Pay and tap your phone again.
How do I add my fingerprint as a verification Will Google Pay use near field communication
method? (NFC) technology like Apple Pay™?
Google Pay does not require fingerprint authentication but Google Pay will rely on a form of NFC called Host Card
does require a passcode. The screen lock can be unlocked Emulation (HCE). This technology does not use the secure
by using a unique pattern or PIN. element embedded in the phone, as with Apple Pay; instead
card data is stored in the cloud. Android is an open source
How does Google Pay know it’s actually my phone code with thousands of versions, so the secure element is
and therefore my card? not a viable solution.
When setting up the Google Pay app, you must have or set
up Android Operating System Screen Lock. This security Can I use Google Pay at an Automated Teller
app automatically locks your phone after a certain amount Machine (ATM)?
of time of inactivity. Once locked, you will need to use the Google Pay will not work at ATMs. In addition to ATMs,
pattern, pin, or password that you created during set up to Google Pay will not work with card readers where it is
unlock your phone. necessary to insert your card into the reader. This type of
card reader is commonly found at gas stations (outdoor
Can Google Pay be used on any Android device? pumps), bus/train stations and vending machines.
No. Google Pay is currently compatible only with
smartphones using Android 4.4 (KitKat) or higher. Phones What should I do if I have an issue adding a
must support NFC (Near Field Communication) and HCE payment card to Google Pay?
(Host Card Emulation). Currently AT&T, T-Mobile and Verizon Contact the credit union and verify you are adding an
are the carriers that support Google Pay. eligible payment card. Some cards from participating credit
unions may not be supported in Google Pay. Google Pay
How do I make a payment with Google Pay? also requires an active Internet connection when adding a
You can use Google Pay in stores where you see contactless payment card. Verify you are connected to the Internet via
terminals with either of these logos: a Wi-Fi network or using your mobile data connection.

What do I do if I lose the card that I’ve added to

Google Pay?
You don’t have to open the Google Pay app to make a If your payment card has been lost, misplaced, or stolen,
purchase with your NFC phone; just follow these steps: please contact the credit union immediately. Some credit
1. Wake up and unlock your phone. unions will allow you to report the card as lost or stolen via
2. H
 old the back of your phone against the contactless their website, while others require a phone call. Google Pay
payment terminal. will show your card to be invalid if you have suspended/
3. If prompted, choose “Credit” regardless of your type frozen your card with the credit union. Newly issued cards
of card. will need to be added into Google Pay.

How do I make a payment using the Are my payments safe with Google Pay?
Google Pay app? Yes. When you use Google Pay, your card number isn’t
You can use Google Pay in apps with either of these stored on your phone or given to the merchant. A unique
purchase buttons: token is created specifically for that device. This token is
also sometimes referred to as a virtual account number.
You still enjoy all the benefits of your credit or debit card,
which includes our Zero Liability policy that protects you
from unauthorized purchases. If you ever need to make a
At checkout, touch the Google Pay purchase button. You return, you might have to provide the last 4 digits of your
may be prompted to select a payment method and enter virtual account number. You can find your virtual account
your shipping address before confirming your order. number on the card details screen in your Google Pay app.
How are my privacy and personal information Will I continue to earn rewards and benefits
protected? from my payments cards when I pay using
Since Google Pay doesn’t store your credit or debit card Google Pay?
number on the device, you never reveal your name, card When you make a payment with Google Pay, you will
number or security code to merchants. continue to receive the rewards and benefits (such as
points or cash back) your physical card provides.
In case of lost devices, how is Google Pay
disabled? Can I see my recent transactions in Google Pay?
Google provides a service called Android Device Manager You’ll find a list of recent purchases in your card’s details
that allows you to find, locate and erase your device if it is screen.
lost or stolen. Additionally, you can contact your financial
To see the details for your Google Pay purchases:
institution for cards added to Google Pay and the FI can
disable the card token. 1. Open the Google Pay app.
2. Touch the card you used to pay.
How do I return an item? 3. Find and select your transaction.
The merchant can process the return like any other return.
Keep in mind that you’ll still have to show your receipt from
Some merchants may need to “see” the physical card.
the merchant if you ever need proof of purchase, so make
You would follow the same steps you used when making
sure you keep it for your records.
the purchase.
Do I need to have an active Internet connection
Can I use Google Pay internationally?
for Google Pay to work?
Using Google Pay outside the United States is dependent
Google Pay requires an active Internet connection
on your credit union’s policies. If you can use your physical
when making purchase. It also requires an active Internet
card in the country you are visiting, you should be able to
connection when adding or removing a payment card
use Google Pay to make a payment. If you are attempting to
and to download transaction history. You can connect
add a card while you are traveling outside the United States,
via a Wi-Fi network or using your mobile data connection.
you may be required to contact the credit union.

For more information visit www.www.ravallicountyfcu.org

Google logo is a trademark of Google, registered in the U.S. and other countries.

©2018 CO-OP Financial Services

02122018CF1845