Google Pay TM now available with Mortgage House
Add your Easy Access card to Google WalletTM.
Google Pay is now available to be used with your Visa Easy Access card. By adding your Visa Easy Access card to Google Wallet, you can quickly shop in stores and make purchases in apps with Google Pay. Security and privacy are built into every part of Google Wallet to keep all your essentials protected. When you pay, Google Pay doesn’t share your actual card numbers, so your payment info stays safe.
Getting Started Is Simple
Get set up quickly
1. Open Google Wallet or download it on Google Play
2. Follow the instructions to add a card or another payment method
3. Verify your card if needed. Then you’re all set!
Prefer to do things on desktop? Get set up at pay.google.com.
Terms and Conditions: Available only to Mortgage House Chameleon Home Loan customers who also have a linked offset account.
Easy access on your phone
Your phone is always with you. Now you can add your eligible cards, plus add your loyalty and gift cards to Google Wallet so they’ll be with you always too.
Pay faster and smarter
No need to take your cards out of your wallet – just use your phone to make purchases and scan your loyalty card at the checkout to collect points.
Accepted anywhere you’d use your card
Google Pay can be used wherever contactless payments are accepted.
Add your Easy Access card to Google WalletTM.
Google Pay works anywhere contactless payments are accepted. Just wake up your Android phone and hold it near the reader until you see a check mark. You don’t even need to open the app.Just look for one of these symbols at checkout:
Pay as quick as you click
Use Google Pay to check out even faster across your favourite apps and sites. Once you’ve added a card, you won’t need to enter your payment info again. Just choose Google Pay at checkout, confirm your purchase, and you’re all set.
FAQs
Are there any fees or charges for adding my card to Google Wallet?
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.
Do I need an internet connection to make payments through Google Pay?
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.
How do I remove a card?
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.
My card details have been removed from the Google Wallet app. Why?
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.
Where can I find out more information about Google Pay?
Further information on Google Pay can be found at the following Google pages:
Which cards are eligible to be added to Google Wallet?
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.
Are the Google Pay transaction limits and PIN the same as the physical card?
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.
Can I use Google Pay as backup when I lose my card?
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.
I’ve received a reissued or replacement Easy Access card; do I need to update my card information in Google Wallet?
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.
My physical card has expired. Do I need to re-enrol?
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.
What do I need to do to successfully add a card to Google Wallet?
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.
What is a virtual account number and how is it different from my card account number?
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.
What is Google Pay and how does it work?
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.
Why don’t the card details on the merchant’s receipt match my physical card number?
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.
How secure is a Google Pay transaction?
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.
What if I want to sell my mobile device and get a new one?
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.
Do I need to use my card PIN with Google Pay?
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.
How will my personal information be shared with Google?
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:
I can see my card in Google Wallet but I cannot make a transaction. Why?
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.