You can authorise a payment from your Nationwide card in-app or in-store at any time, subject to the relevant merchant having supporting technology. You can authorise in-store payments:
- of £45 or less by holding your locked device within a few centimetres of the card terminal;
- of more than £45 by unlocking your device by password, fingerprint or swipe pattern.
You can authorise an in-App purchase by touching the Google Pay purchase button at checkout.
For security reasons, you may occasionally need an internet connection before you can make a payment and will be advised by a message on your device when this is the case.
When you authorise a payment, the Google Pay App will automatically select your default card. If you want to change your default card you can drag the card in the Google Pay app to the top "default" spot or tap the card you wish to use, and select "set as default card" in the card detail screen.
You can only make in-store payments at merchants who have supporting contactless technology.
Any payment you make will be deducted from your account in the same way as it would if you made a plastic card payment. Retailers may use contactless payment limits which apply to in-store payments authorised using Google Pay. This can vary between retailers and payment card terminals that are used. A retailer may refuse a payment transaction if it exceeds the current contactless limit applicable to them.
As is usual for card payments, you can't stop a payment made using Google Pay once you've authorised it, but the merchant (or we) may make a refund.