Google Pay Credit Cards

Updated 12 November 2019

Used in conjunction with your Android devices – and in some cases Apple devices – Google Pay makes it easy to pay when you’re shopping online or instore. As Google’s digital wallet platform, Google Pay lets you leave your actual wallet at home, allowing you to pay with your saved credit or debit card using contactless card readers at the checkout, or online either within an app or at participating retailers’ websites.

What is Google Pay?

Quite simply, Google Pay offers an easier way to pay. When you set up Google Pay on your compatible device, you add your compatible credit cards and debit cards, which can then be used to make purchases online or instore. When you’re shopping online, simply use the Google Pay button to complete the transaction. When shopping instore, use your device just as you would your contactless credit card.

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What are the benefits of using Google Pay?

Why should you use Google Pay? Google Pay is designed to make paying for stuff quicker and easier, whether you’re making the payment in person or shopping online. So, the main attraction of using Google Pay would have to be the convenience it offers. You can tap-and-go at the checkout, or press a button to pay online. Shopping online with Google Pay can save you even more time by auto-filling your customer information, such as your billing and shipping address.

Don’t like carrying around a bulky wallet? Google Pay can streamline what you need to carry. As long as you know you will only be paying for stuff at retailers that accept Google Pay – which is any retailer that accepts contactless payments – you can choose to leave your wallet at home. This could come in especially handy when you want to go to the beach, to the gym or when you want to go for a run.

In terms of making purchases online, there are lots of ways Google Pay can help. Sure, you can use it to shop online, but you can also use it to pay for stuff in apps and when you purchase Google products and services.

As for security, you could say using Google Pay is actually more secure than using your physical card. When you make a payment using Google Pay, it uses virtual account information to process the transaction. That means none of your actual card details are shared with the retailer. And if you lose your device, you can suspend or disable Google Pay on that device until you have the situation sorted out.

What about rewards? When using your credit card via Google Pay, you earn rewards on your purchases in the same way as you would using your physical card. You may also be able to add store loyalty cards to Google Pay – and as a user, you can access exclusive offers and discounts just for using the payment system.

Can you use Google Pay with any credit card?

To use Google Pay, you will need a credit card that is Google Pay compatible. While not all card providers in Australia offer Google Pay compatibility, many of them do, including the big four banks. If you’re looking for a credit card that offers compatibility with Google Pay, simply check out our range listed above.

Can you use Google Pay on any device?

Google Pay has to be used on a compatible device. Fortunately, the range of compatible devices is extensive. It is worth noting that some features in Google Play are only available in certain countries and on certain devices, so check Google’s FAQs page to get more info on what your device can do and where.

• To use Google Pay on your Android phone, your phone must have NFC capability, running Android Lollipop (5.0) or later.
• To use Google Pay with your Android Watch, your watch must have NFC compatibility, running Android Wear 2.0 or later.
• To use Google Pay with your Android tablet, your tablet must be running Android Lollipop (5.0) or higher. Note, tablets can’t be used to make payments in store, but they can be used to make payments within apps or on websites using Google Chrome.

It’s also worth mentioning that while Google Pay is designed to be used with Android devices, the platform does offer some functionality on iOS devices. While this is limited to US users only, you can use Google Pay to send money to friends and family using your iOS device.

If you want to use Google Pay on your computer, start by signing in to pay.google.com. To add a debit or credit card, sign in to Payment Methods and at the bottom, click ‘Add Payment Method’. Click ‘Add Credit or Debit Card’, and enter your card info. If you’re asked to verify your payment method, choose an option from the list, then find and enter the verification code.

If you want to use Google Pay on your device, download the Google Pay app then open it and follow the setup instructions. When prompted, add your card info. You can use your device’s camera to add the info, or enter it manually. If you’re asked to verify your payment method, choose an option from the list, then find and enter the verification code.

Note, you may be asked to set up a screen lock on your Android device. As Google Pay only works with PIN, pattern, password, fingerprint, and retinae scanning screen locks, screen locks like Smart Unlock or Knock to Unlock are not compatible.

When making a payment in person, you should be able to use Google Pay wherever contactless payments are accepted. Retailers may also feature a Google Pay logo, but as long as they have a contactless card reader, they should allow you to pay with Google Pay.

• To pay with your phone, wake it up and unlock it, then hold it close to the card reader until it beeps or vibrates and a blue checkmark appears on the screen. There is no need to open the Google Pay app.
• To pay with an Android Watch, hold it close to the card reader and wait for the vibration or beep.

If you are making a purchase over $100, you may be asked to enter your credit card PIN to authorise the transaction.

When making a payment online, simply click on the Google Pay button to complete the transaction at participating retailers. You can also use the Google Pay button to pay when using Google Chrome and in certain apps.

Using a digital wallet such as Google Pay could be said to be more secure than using your physical credit card. When you make a purchase using Google Pay, your credit card number and personal info is not released to the merchant. Instead, they receive a virtual account number that represents your card information.

Of course, you will receive the benefit of all the security features your physical card offers, such as anti-fraud monitoring. And if you lose your device? If your device is lost or stolen, you can lock it instantly from anywhere, change your password and remove all personal data using Google Device Manager.

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