There is no fee charged by Mortgage House to add your card to Google Wallet. When adding your card Google will pre-authorise a small amount (usually $2) however this amount should not appear on your statement when it is issued. If this amount appears on your statement, please contact Google to discuss this or contact Mortgage House to dispute the transaction.

A valid Token Key is required to make a Google Pay payment. Google Pay requires an internet connection to download Token Keys periodically. If you do not have an internet connection and have used all Token Keys on your device you will not be able to use Google Pay until new Token Keys have been downloaded.

After you connect to the internet, there may be a delay before Google Pay downloads new Token Keys to allow you to transact using Google Pay.

To remove a card in Google Wallet:

Go to the Google Wallet App on your device, tap on the card you want to remove, At the top right, tap More, then Remove payment method. Your mobile card will be removed from your Google Wallet.

Alternatively, you can permanently erase all the data on your device via Google’s Find my Device. If you are using Find my Device, you will require network connectivity.

See Google Pay Help Center for more information.

If your physical card is closed it will be automatically removed from Google Wallet and you’ll not be able to make transactions with Google Pay using that card on your device.

If your physical card is temporarily locked, it will also be temporarily locked in Google Pay and you’ll not be able to transact with that card using your device.

As an additional security measure, Google may remove your card from Google Wallet if:

• Your device has not had network connectivity for a considerable period of time; or
• You have removed the security control used to access your device (e.g screen lock, passcode or biometric identifier)
• The card issuer has revoked the Google Pay service for your card or removed the card eligibility

Refer to Google Help Center for more details.

Further information on Google Pay can be found at the following Google pages:

Google Pay: and
Google Pay Help Center

The following Mortgage House card Google Pay:

• Easy Access Visa Debit Card*

*Available only to Mortgage House Chameleon Home Loan customers who also have a linked offset account.

Yes, the transaction limits that apply to Google Pay are the same as your physical card. If a PIN is required to authorise a payment (or refund), you will need to enter the PIN for that card at the terminal.

Yes, you can use Google Pay as a backup. If you have reported your physical card lost or stolen, your replacement card details will be automatically updated in Google Wallet and you can continue to make transactions with Google Pay without the need to activate your replacement card. If you have placed a temporary lock on your physical card, it will also be temporarily locked for use with Google Pay and you will not be able to transact with that card using your device.

You do not need to re-enrol your physical card. Your replacement card details will be automatically updated in Google Wallet and you can continue to make transactions without the need to activate your replacement card.

No, you do not need to re-enrol your physical card in Google Wallet when your physical card has expired. Your replacement card details will be automatically updated in Google Wallet and you can continue to make transactions with Google Pay without the need to activate your replacement card.

To successfully add a card to Google Wallet you will need to ensure that:

• you have a compatible Android device
• you have an eligible Visa Easy Access debit card which has been activated
• you have registered for Online Banking and for SMS Protect using an Australian mobile phone number
• the name you have entered in the Google Wallet app is an exact match to the name displayed on your physical card, i.e. if a first name, middle name and surname are displayed on the physical card, all three must be entered in the app, to ensure you can successfully add a card.

When adding cards to Google Wallet a virtual account number is created in place of your card account number. This number is used when you make a payment with Google Pay (or a refund of that payment), so that your card account number isn’t shared with the merchant and won’t appear on the receipt. Each time you add your card to Google Pay, a new virtual account number is created.

If using Google Pay to obtain a refund, you may have to provide the last 4 digits of your virtual account number. You can find your virtual account number in the Google Wallet app.

For payments processed through online merchants Google Pay will also use either your Virtual Account Number or another uniquely generated account number as a representation of your card to process the transaction.

Google Pay is a simple, fast and secure mobile payment service that allows you to make contactless payments with your compatible Android device at contactless terminals in store, online and in-app at participating merchants. To use Google Pay, your eligible Visa easy Access card must be added to Google Wallet.

Google Pay uses near-field communication (NFC) technology to facilitate mobile payments.

The card details shown on the receipt provided by a merchant will contain the last four digits of your Virtual Account Number rather than your physical card number.

Transactions using Google Pay are secure as Google keeps all payment information on secure servers. Your full card details are never stored on your phone or shared with merchants when you use Google Pay. Merchants are only provided with your Virtual Account Number.

When Google Pay is used for transactions a confirmation appears in the app which can assist you to detect suspicious activity sooner. This alert contains where the transaction occurred along with the merchant’s name and the amount of the payment or refund.

If you misplace your phone you can use Android Device Manager to either lock your device or perform a remote factory reset to prevent further Google Pay transactions being processed.

If you get a new mobile device you will be required to add each card to Google Wallet using the normal enrolment process.

You should perform a factory reset on your old mobile device. This will erase personal data and delete any cards you have added to Google Wallet. You can use Google’s Find My Device to permanently erase all the data on your device to prevent further Google Pay transactions being processed.

See Google Pay Help Center for more information.

If you make a transaction of over $200* you will be prompted to enter your physical card PIN at the contactless terminal. If a PIN code is required to authorise a refund, you will need to enter your physical card PIN at the terminal.

Google Wallet does not sell your personal info to anyone and doesn’t share your transaction history with the rest of Google for targeting ads.

Google may store your information outside Australia.

Google can provide us with certain information including your Android Device details, personal details, location and account information.

If you do not agree to your information being disclosed or used in this manner you should not add your Card to Google Pay.

Further information on Google Pay can be found at the following Google pages:

Google Pay
Google Pay Help Center

If you cannot select a specific card for Google Pay, check if the message ‘Verification Needed’ is displayed below the card in Google Wallet. If that message is displayed, you’ll need to complete verification by requesting a one-time passcode. You will not be able to use Google Pay until you have completed verification.