Google Pay FAQs

Google Pay is a free app that allows you to pay with your Northern Inland card with a tap of your phone while enjoying the same benefits and protection of your physical card. Add an eligible credit card and you’re ready to tap and pay for purchases. Use Google Pay in participating mobile apps and anywhere contactless payments are accepted. To learn more, visit www.support.google.com/googlepay.

Yes. Google Pay has a number of security features:

• Your physical card number is not stored on your phone
• Just like a contactless transaction with your Northern Inland card, Google Pay will not work for purchases over $100 unless you enter your PIN at the terminal
• If your phone is ever lost or stolen, you can use Android Device Manager to instantly lock your device, or even wipe it clean of any personal information
• You will continue to enjoy $0 liability for unauthorised transactions the same as when using your physical card

You can get the Google Pay app for free if you have:

• An Android Pay compatible smartphone with NFC technology that lets your phone transmit data to the payment terminal at checkout
• Android Lollipop 5.0 or above operating system
• Northern Inland Credit Union's smartPAY App (for identification purposes when downloading the Google Pay app)

To learn more, visit www.support.google.com/googlepay.

All smartphones that are enabled with NFC technology have Android Lollipop 5.0 or above operating system and have an Australian carrier, are compatible with Google Pay.

• Wake your phone by tapping the home or power button
• Hold the back of your smartphone over the contactless symbol at checkout when prompted by the cashier
• If the transaction is over $100 you will need to enter your card PIN at the terminal
• You can make 3 consecutive transactions under $100 without unlocking your phone, but for security reasons, Google Pay will require the user to unlock the phone after 3 transactions
• Confirm with the merchant that the Google Pay transaction has been accepted and collect your receipt
• To make a purchase in mobile app when online, select Google Pay at checkout. Your Northern Inland card and address details will be automatically added

Yes. When a cardholder pays using Google Pay, the merchant never sees the PAN [card number].

To use your Android phone to pay in stores, you need a NFC enabled Android device running Lollipop 5.0 and the Google Pay app. NB: Google Pay is preloaded on some newer Android phones.

As long as you have an Android phone running Lollipop 5.0 that is NFC enabled you do not need to upgrade.

You can usually see this by going to Settings > About > Device > Android version. If this doesn’t work on your device, please contact your phone manufacturer or telco.

You can pay with your Android phone at any store that accepts contactless payments in Australia.