Any Android smartphones and tablets running Android Lollipop 5.0 or above. To make in-store payments, your phone also needs to support NFC (Near Field Communication). To check for NFC, look for it in your phone’s Settings app. You can make in-app payments even if your phone does not have HCE.

You can pay with your Android Phone at hundreds of thousands of merchants. Easily pay wherever contactless payments are accepted.

You can also use Google Pay in many of your favorite apps. Just look for the Buy with Google Pay button. You can see the apps that accept Google Pay on the Google Play Store.

When paying in-store:

1. Simply wake up your phone. No need to open the app.
2. Hold the back of your device near the contactless payment terminal and wait for the blue checkmark.

When paying within apps:

With Google Pay, you can check out in hundreds of apps without having to enter your payment information. Catch a ride, order takeout, or get tickets to that just-announced show with the simple press of a button.

Your bank is standing by to help. Contact us on 1300 306 716 between 8:30am and 5:30pm, Monday to Friday.

Google Pay protects your payment info with multiple layers of security, using one of the world’s most advanced security infrastructures to help keep your information safe. Learn more

Android Device Manager ( www.google.com/android/devicem... ) will help you find, lock, and erase your phone. Also, you can simply search “Find my phone” and Google will show you where it is on a map. There’s no need to cancel your credit card.

Your credit and debit card information are assigned a unique virtual account number that’s used at checkout, so your full card details are never shared with the store. Think of it as a digital stand-in for your payment information. To view the last four or five digits of your virtual account number go to “Card details” or “Transaction details”.

You’ll need your virtual account number if you would like to make a return on an item purchased with Google Pay.

In most instances, a return should work with Google Pay the same as it would if you had swiped a regular card. The key difference is that instead of the merchant having to swipe your card again you'll have to hold your phone near the payment terminal again to verify the return. Be sure to check that the Card selected in Google Pay is the one that you used for the original purchase. In some cases you may also be asked for the last few digits of your Card number. If this happens, you should provide the last few digits of your virtual account number. To view the last four or five digits of the virtual account number go to "Card details" or "Transaction details".

Check with your retailer before making the return, as some merchants will require your physical card to process the refund.