Getting to grips with Google Pay™

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It’s becoming increasingly hard to imagine what the world was like before mobile phones. They’ve come a long way since their earliest brick-like incarnations in 1973. Not only have they more than halved in size, but latest technological advances mean smartphones have now become an integral part of our day-to-day lives. It’s no longer just about calling and texting; you can now use your smartphone to pay for things in store and online. And if you’re on Android, Google Pay is the latest way to do this. But how exactly does it work? We take a look. 

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What is Google Pay? 

Google Pay is the fast, simple way to use your smartphone to pay with your TSB bank cards both in stores and online. It brings together everything you need at checkout and keeps your payment information safe in your Google Account until you’re ready to pay. Plus, Google Pay makes it easy to keep track of purchases, redeem loyalty points, and get personalised suggestions to help you save time and money.

Launched in January 2018, it combines the capabilities of Android Pay and Google Wallet into a single brand. According to Google’s Pali Bhat, VP of Product Management, Payments, this will make the process, “simpler, safer, and more consistent”.

How do you set up Google Pay? 

Adding your bank cards to Google Pay takes just a few minutes. First, download the app from Google Play or check to see if it’s already installed on your phone, then open it and follow the instructions. Google Pay works on Android devices running KitKat 4.4 or higher.

Next, simply save your card details into your Google Account, then use them whenever you need to make payments at participating merchants. This might be a physical payment in store – when you see a Google Pay contactless sign – or when you buy something on websites, in apps or from the Google Play store. 

It’s a convenient, quick way to pay without having to re-enter your card details every time, and you’ll continue receiving all the usual benefits and protections you enjoy with TSB.

How secure is Google Pay?  

As well as security checks when adding card details, when you use your phone to pay in stores, Google Pay doesn’t send your actual credit or debit card number with your payment. Instead, a virtual account number is used to represent your account information – so your card details stay safe.

And for further peace of mind, if your phone is ever lost or stolen, you can lock and erase it from anywhere using Find My Device. 

How do you use Google Pay? 

Once you’ve added your card details, making a payment is simple. Google Pay is accepted at millions of places around the world. You can use it anywhere you see either the contactless or the Google Pay symbol at checkout. 

You can use Google Pay to make purchases up to £30 in shops that accept contactless payments. To pay with Google Pay, just wake your device and hold it against the contactless payment terminal to complete your purchase. For security, you may occasionally be prompted to unlock your device. In either case, there is no need to open the Google Pay app.

And payments are even easier in apps and mobile websites, as you'll see a 'pay with Google Pay' button that will provide all the payment details needed in one tap.  

It’s important to know that if you have more than one card in your account, payment will always be taken from the default card. So, if you need to change the card you want to pay with, remember to do that before making any transactions. 

It's also worth bearing in mind that Google Pay won't free you of your wallet completely. There will always be times you’ll need cash or cards to hand. Plus, if you're the type of person who finds themselves running out of battery, you could be in an awkward situation if you have no back-up payment method!  

For Android smartphone owners, Google Pay is the fast, simple way to pay for things in store or online, using your TSB debit or credit cards. Plus, it makes it easy to keep track of purchases, redeem loyalty points, and get personalised suggestions to help you save time and money. So, if you’re after speed, ease and security, it’s definitely worth giving it a go. 

Find out more about using Google Pay with your TSB cards.

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