FAQ Android PayMC

GENERAL

What is Android Pay?

Android Pay is a fast, easy and secure way to pay in using your Android phone. Forget about fumbling for your wallet. Now you can pay for your morning coffee or the week's groceries by using your phone. 

Are there any fees to use Android Pay?

Mobile payment is completely free. However, fees may be applied by your mobile service provider, depending on your data plan.

How do I use Android Pay? Do I need to install the app on my phone?

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You need to download the Android Pay app to make mobile payments using your smartphone. Go to the Google Play store to download the app. You can download Android Pay on Google Play.

How do I add my National Bank MasterCard® credit card to Android Pay?

  1. Open the Android Pay app
  2. Tap + in the bottom right-hand corner of the screen
  3. Follow the instructions

Having trouble? Watch the step-by-step tutorial.

How do I make my National Bank MasterCard® credit card my default card?

The first card you add to Android Pay will be your default card. 

To change your default card:

  1. Open the Android Pay app
  2. Double-tap the card you want to change, then tap Set as default card
  3. Alternatively, drag the card you want to change to the "Default card" spot at the top of the app's home screen 

Can I pay with Android Pay everywhere?

Most businesses accept Android Pay. However, there are still some businesses that don't offer contactless payment, so it's a good idea to keep your credit and debit cards on you just in case. 

See the list of participating merchants here.

 

How will I know if I can pay using Android Pay?

You can use Android Pay wherever you see this symbol

                          Contact Less     Android Pay

 

How do I make purchases using Android Pay?

It's easy! For transactions of $100 or less, simply wake up your phone and hold it against the payment terminal. For transactions over $100, you must use your physical credit card and enter your PIN. 

Is my phone compatible with Android Pay?

To use Android Pay, you'll need a phone running Android 4.4 (KitKat) or higher. 


SECURITY

Is Android Pay secure?

Android Pay is a secure way to pay. In addition, several methods have been put in place for your protection:

  • The usual limit per transaction is $100
  • For transactions over $100, you must use your plastic credit card
  • Android Pay requires you to set up screen lock on your device
  • Your phone never leaves your hand during transactions

Do I get the same protection when I use Android Pay as when I pay with my plastic card?

Yes. The protection is the same. The MasterCard®  Zero Liability policy1 applies to Android Pay purchases as well as to purchases made with your National Bank MasterCard® credit card. You're also covered by our Peace of Mind Guarantee2 for Mobile Banking Solutions.

My phone has been lost or stolen. What should I do?

Don't worry, we can help! Simply call us at 1-888-4-TELNAT (1 888 483-5628). Don't forget that you're covered by the MasterCard® Zero Liability policy1 and our Peace of Mind Guarantee2 for Mobile Banking Solutions.

My credit card was lost or stolen, what should I do?

Call us immediately at 1-888-4-TELNAT (1 888 483-5628). We will replace your plastic credit card and deactivate the lost card so that no transactions can be carried out until you receive and activate your new card. 

You don't need to make any changes to Android Pay—National Bank will take care of it! Don't forget that you're covered by the MasterCard®  Zero Liability policy1 and our Peace of Mind Guarantee2 for Mobile Banking Solutions.


PURCHASES / RETURNS

Is there a maximum amount per transaction?

For your protection, the maximum amount is $100 per transaction. Anything over $100, you’ll need to use your plastic credit card.

Is there a daily limit for purchases made using Android Pay?

The limit is the same as for your credit card. 

Is there a daily limit on the number of transactions?

There’s no limit! You can make as many purchases as you want using Android Pay.

How will I know if my payment was successful?

The merchant will confirm that your transaction has been accepted and will give you a receipt. You'll also receive a real-time push notification on your phone.

How do I return items purchased with Android Pay?

The store will issue the refund directly to your phone, so you'll need to bring the phone you used to make the purchase as well as your receipt.


CARD RENEWAL / ACTIVATION 

What do I need to do when my credit card is renewed?

When you activate your new card, it will automatically be updated in the Android Pay app.

  • If your card has expired or you’ve replaced it, you won't be able to use Android Pay until you activate your new card. The card information will then automatically be updated in the Android Pay app. 

  • If your new card is a different product (i.e., a different type of card) with a different card number, you will need to add it to the Android Pay app.


UNINSTALLING THE APP / REMOVING CARDS

What if I don't want to use Android Pay anymore?

All you have to do is remove your cards from the Android Pay app.

What happens if I get a new Android phone?

No problem! Simply remove your credit cards from the Android Pay app on your old phone, then add them to your new phone. If you've already changed your phone, an advisor can remove your cards for you. Call us at 1-888-4-TELNAT (1 888 483-5628).

Will I still be able to use my plastic credit card if I remove it from Android Pay or uninstall the Android Pay app?

Ne vous en faites pas, il n’y a aucun impact sur vos cartes de crédit plastiques.

How do I delete my credit card information from my smartphone?

To permanently delete your credit card information from your phone, visit the Google payments centre.

How do I remove a credit card from Android Pay?

In the Android Pay app, select the card you want to remove and tap Remove card.

MISCELLANEOUS

Can I add my debit card?

We plan to offer this option so you can take full advantage of the benefits of mobile payments. It will become available in 2018. Keep an ear out on nbc.ca.

What is a virtual account number?

When you add a credit card to Android Pay, a virtual account number is generated for your phone. It's this information that is used when you make a purchase, rather than your actual credit card number, so your personal details remain secure and are never shared with merchants.

What is NFC?

NFC, or near field communication, is a wireless communication technology used to make contactless payments. You must enable the NFC option on your phone to use Android Pay. 

Where can I read the terms of use?

You can find them here.

Learn more about Android Pay

   

 

TM Android Pay is a trademark of Google Inc.

Google Play and the Google Play logo are trademarks of Google Inc.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC

® MasterCard is a registered trademark of MasterCard International Inc. used under licence.

1 Certain conditions and restrictions apply. Visit mastercard.ca for more information.

2 The Peace of Mind Guarantee for Personal Internet Banking Solutions and Mobile Banking Solutions applies to clients who, upon checking, discover that they have been victims of fraud and agree to cooperate in the investigation into this fraud. This guarantee applies only to unauthorized transactions carried out through Internet Banking Solutions or Mobile Banking Solutions and covers only the amounts lost as a direct result of those transactions.

© 2017 National Bank of Canada. All rights reserved.