Google Pay - Frequently Asked Questions

How does the Google PayTM app work?
Google Pay is a free app that allows you to tap and pay with your smartphone or other smart device by digitally linking your Nexus Mutual credit cards, Visa Debit Card or rediCARD. Use Google Pay in participating mobile apps and anywhere contactless payments are accepted.

Learn more

Is using my card in the Google Pay app safe?
Yes. Google Pay has a number of security features:

  • Just like a contactless transaction with your Nexus Mutual Visa Platinum Credit Card, Low Rate Platinum Credit Card, Visa Debit Card or rediCARD, Google Pay will not work for purchases over $100 unless you enter your PIN at the terminal.
  • Your physical card number is not stored on your phone.
  • You'll need to have a screen lock active on your phone. Google Pay will not work without a PIN, password or pattern screen lock.
  • If your phone is lost or stolen, you can find, lock, or erase it using Find My Device.
  • You will continue to enjoy $0 liability for unauthorised transactions the same as when using your physical card.

How do I start using Google Pay?
You can download the Google Pay app for free if you have:

  • A Google Pay compatible smartphone with NFC technology that lets your phone transmit data to the payment terminal at checkout, and,
  • Android Lollipop 5.0 or above operating system.

Learn more

Please ensure your email address and phone number are up to date with Nexus Mutual as they may be required during the verification process. This can be updated on internet banking through the ‘Settings’ tab under the ‘Contact Details’ selection, or by contacting us on 1300 65 33 28.

Can all NFC-enabled smartphones work with Google Pay?
All smartphones that are enabled with NFC technology, have Android Lollipop 5.0 or above operating system and have an Australian carrier, are compatible with Google Pay.

To check what version of  Google you have on your phone, go to your phone’s settings and select ‘About phone’ or ‘About device’ as relevant to your phone.

For security reasons Google Pay may not be installed or used on a device on which certain security controls have been overridden (such as a ‘rooted device’).

How do I pay using Google Pay?

  • Wake your phone by tapping the home or power button.
  • Hold the back of your smartphone over the contactless symbol at checkout when prompted by the cashier.
  • Confirm with the merchant that the GooglePay transaction has been accepted and collect your receipt.
  • To make a purchase in a mobile app, select Google Pay at checkout. Your Nexus Mutual card and address details will be automatically added.

Can I use Google Pay if I don’t have a signal on my phone?
Google Pay is designed to store some tokens on your phone for payments even if you don’t currently have a data signal. If you run out of these tokens your phone will prompt you that you’ll need to reconnect to the internet to replenish the tokens in order to make further purchases.

Do I still need my PIN if I’m using Google Pay?
If a merchant accepts tap and pay for purchases over $100, you will still need to key in your card PIN to complete these transactions.

Why can’t I find Google Pay in the Google Play Store?
Google Play will filter out apps that are incompatible with your device. For instance, If your phone has an operating system prior to Lollipop 5.0, does not have NFC capability, or is a rooted device, it may not appear in the Google Play store.

Is there a payment limit for using Google Pay?
Google Pay would have the same purchase limits as on your physical Nexus Mutual cards. A PIN would still be required for purchases above $100 for merchants accepting tap and pay.

Can I use Google Pay overseas?
If an overseas merchant accepts Australian contactless payments you may be able to use Google Pay with your Nexus Mutual card.

It is recommended, however, that you take your physical plastic card when travelling abroad, as it may be unavailable in the host country or for specific merchants. There may be additional data usage or global roaming charges associated when using Google Pay overseas.

Google, Google Pay, Google Play, the Google Logo, and the Google Play logo are trademarks of Google Inc.