Android Pay Credit Card

Android Pay is the new and improved Mobile wallet from Google that enables you to use your Android device to make tap and go purchases of $100 after you upload a Visa, MasterCard or American Express credit or debit card from one of the 25 banks, including ANZ, ING and Macquarie who are supporting the service, with no need to unlock your phone unless the transaction is in excess of $100. A selection of the credit cards which currently support Android Pay are compared in the table below.

How to set up and use Android Pay

Android Pay works with devices running or later that have near field communication (NFC) and host card emulation (HCE) capabilities. To find out if your device supports NFC, check out your devices connection settings and look for the option to enable it.

The easiest way to establish if your device supports HCE is to try and download the Android Pay app, if your device supports HCE the app will download without a problem if it doesn’t you’ll receive a warning during the download advising that your device is not compatible. Incompatible devices include the Evo 4G LTE, Nexus 7, Samsung Galaxy Note 3, Galaxy S3 and the Galaxy Light.

To start paying with Android Pay you will need to download the Android Pay App, add a credit or debit card and configure the security, these are the three steps, the Android App may already be on your device as it will increasingly come pre loaded on all Android devices:

  1. Open the Android Pay app and, if prompted, login to your Google account and set up an advanced security option for unlocking your phone (if you don't already have one). If you haven't already, choose fingerprint security as this is considered the most secure approach.
  2. Press the floating Add button to enter a new debit or credit card on your account. If you have a credit card linked with your Google account, you will need to verify a few details before you can add it to your Android Pay account. If you're adding a new credit or debit card from any participating bank, take a picture of the card using the the app
  3. When you're ready to pay, unlock your device and tap the phone against the Android Pay or NFC-compatible logo on the terminal. When the check mark appears above your card, the transaction is confirmed and complete.


Is Android Pay secure?

Android Pay has been developed with security at the forefront and it is now widely considered more secure than presenting a credit card at point of sale as with Android Pay your credit card number is no longer being shared each time your present your card to make a payment. Android Pay uses a virtual number,  also known as a token, which is generated for each card and expires after every purchase.


How do I pay using Android Pay?

Google has made the payment process very easy and convenient. To pay for transactions under $10 simply “wake” your Android device and then place it near the contactless terminal, you don't even need to open the Android Pay app to process a payment. It just lets you tap and go, and then you receive the confirmation/transaction details on your phone.

Android also offers a "Buy with Android Pay" button in apps, so you will be able to simply tap this button for a  quick checkout, with no need to enter your credit card and delivery address each time you make a purchase. Apps like Catch of the Day, Deliveroo, Domino’s, EatNow, Hotel Tonight and all support Android Pay in Australia, with more Apps being added each month.

Frequently Asked Questions

Does Android Pay use a fingerprint reader like Apple Pay?

No Afroid Pay does not use a finger print reader, because not all Android devices have a fingerprint scanner. Android Pay also accepts a PIN code, password, or pattern in order to authenticate a transaction.

Which devices are Android Pay compatible?

Android Pay is designed to work with all NFC-enabled Android devices running KitKat 4.4 and above.

What is Android Pay?

Android Pay is a mobile wallet that can store your credit cards, debit cards and loyalty cards, and replaces Google Wallet. Android Pay can be used to pay at checkouts at some of Australia's major retailers including Coles, 7 Eleven, Myer, Bing Lee, Freedom and Dominos Pizza's. It can also be used to make in App purchases at many popular Apps including Catch of the Day, The Iconic and Menulog.

How do you use Android Pay?

You can use Android Pay in stores where you see contactless terminals with either the contactless or Android Pay logo. You don't have to open the Android Pay app on your Android device to make a purchase with your NFC phone you simply follow 2 steps:  

  1. Wake up and unlock your phone.
  2. Hold the back of your phone against the contactless payment terminal
How is Android Pay different from Samsung Pay and Apple Pay

Samsung Pay is currently most convenient out of the three options, as it can be used with any point of sale (POS) system where you can swipe your credit or debit card. In comparison, Android Pay needs to work through an NFC chip and retailers need to partner up in order for the contactless purchase to work, much like Apple Pay.

Will my Credit Card data remain secure with Android Pay?

When your phone makes a payment via NFC, no credit card information is being transferred; Android Pay works with tokens. The only information being exchanged is a randomly generated 16-digit number. This means your credit card and personal details will be safe in the case of a breach into the store system or NFC reader.

Unlike Apple Pay’s randomly generated codes, which are created within the phone, Google’s are created in the cloud, making them more difficult to retrieve. Google does make backup numbers in case you find yourself outside a strong signal. Having limited or no Internet should not be an issue for making mobile payments with Android Pay.

Furthermore, a payment will only go through Android Pay if your phone is unlocked, which means that as long as you have screen lock protection, your money and personal details should be safe.