Google Pay™ Terms and Conditions

Google Pay is a way for you to make purchases from merchants or in-app using a phone or other device which can store virtual representations of your debit or credit card. In order to use Google Pay, you have to register an eligible credit or debit card to your device. You also need to have an eligible Android device and meet any other conditions that Google may impose – you should contact Google direct for further information as we have no control over these requirements.

The terms and conditions of your Nationwide credit card or Nationwide current account apply to your use of Google Pay.

If a plastic card you have registered to your device is replaced by us (for example if it has expired or you have lost your card) we will automatically register the replacement card to your device.

If you switch or transfer to another type of Nationwide account you will need to register any new eligible card issued for that new account to your device if you still wish to use Google Pay.

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 £30 or less by holding your locked device within a few centimetres of the card terminal;
• of more than £30 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.

When you register a card to your device, information about that card is sent to and stored on your device. It is important that you take reasonable precautions to keep cards registered in the Google Pay App, including the security details that relate to them (for example, your device password, swipe pattern or, fingerprint stored in your Android device) safe and prevent fraudulent use of them.

In particular:

• You must not choose security details that can be easily guessed by anyone else or tell anyone else what your security details are; and
• You must not store anyone else’s fingerprint in your device.
• If you have already set up security on your device such as a password, swipe pattern or fingerprint access you must review this and ensure you change any security details that can be easily guessed or you have already shared with anyone else and you must delete any fingerprint access which is not your own. If you believe somebody else knows any security details that you use for Google Pay or your device, you should change that information immediately.

If you consent to another person using your device by allowing them to register their fingerprint in your device or telling them your password or swipe pattern we will treat this as you deliberately failing to keep your card and security details safe. This could ultimately result in us closing your account.

If you have been very careless (this is known as “gross negligence”) or you have deliberately not followed the steps in this security section, you’ll be responsible for all losses that happen before you tell us that you have lost your device or the security of your card has been compromised. However, you won’t be responsible for unauthorised payments where you have used Google Pay for in-App purchases or the payment was made using your Nationwide credit card.

Notwithstanding the above, if you have been fraudulent you will be responsible for all losses.

The terms and conditions that apply to your card contain further details of when you may be responsible for unauthorised transactions.

If your device is lost or stolen, if you believe someone else has used or has discovered your Google Pay security details, or the security of the card on your device has been compromised, you must contact us using the telephone numbers on the back of your plastic card so we can deactivate the card on your device.

If your device is lost or stolen you should also take the steps recommended to you by Android to locate, lock or erase your device contents remotely. If you have device-locate software enabled on your device, you may be able to use that software to suspend any card details registered on the device.

If your card is deleted from your device you will still be able to use your plastic card to make payments. If you subsequently wish to use Google Pay on any new device you will need to re-register your card.

You must delete your card from your old device if you upgrade, change, dispose of it or pass it temporarily to someone else, for example to be repaired.

We can suspend or cancel your right to use your cards in Google Pay at any time if we think it’s reasonably necessary because:

• we are concerned about their security; or
• we suspect they, or your security details, have been used in an unauthorised or fraudulent way; or
• there is a significantly increased risk you may be unable to pay any money you owe us on the relevant account; or
• there are UK or European obligations we have to meet; or
• the Google Pay service is no longer available to our customers.

We'll normally give you advance notice but if we can’t we'll tell you immediately afterwards unless this would compromise our reasonable security measures or would be unlawful.

Google may also suspend or cancel your card in Google Pay, you will need to speak to Google if this happens.

We'll not charge you for making payments using Google Pay. However, your communications network operator may charge you for accessing Google Pay via your device. Charges may vary between operators and whether you are abroad or in the UK.

The Google Pay service is made available by Google on compatible Android devices. We don't control the platform or the devices and are not responsible to you for any failure or delay in Google providing Google Pay unless this is as a result of something we have done.

We may change the information in this document for the reasons and in the same way as we would make changes to the terms and conditions that apply to your credit or debit card that you have registered in the Google Pay App.