Customers can use their Android phone to pay contactless in any store, using Google Pay. Users just have to approach their mobile to the payment terminal device. A single "bip" sound will let them know payment has gone through (subject to the proper connection of the Google Pay service and the payment terminal).
Why should I use Google Pay in-store?
When paying contactless, using your phone ensures :
- Security : every payment needs to be authorized thanks to biometric authentication or to a PIN code.
- Efficiency : payment is made in less than a second. Users instantly receive a notification on their phone that sums up the transaction (amount, date, time).
- Without amount limit : users can pay €1 or €1,000 using contactless mobile payment. On the contrary, credit cards are limited to €30 per contactless payment. However, the maximum payment amount depends on the limit set on the registered card.
Security
With each purchase, Google Pay uses a device-specific number along with a unique transaction code. The card number is never stored on the device nor transmitted to merchants at the time of payment.
Using Google Pay implies acceptance of Sumeria’s Terms and Conditions as well as Google Pay’s terms of use. Sumeria cannot be held liable for any malfunction or unavailability attributable to Google.
Prerequisites
Using your card with Google Pay requires meeting the following conditions:
- Have verified your identity ;
- Create a card from the app’s “Cards” screen ;
- Have a positive balance on the account linked to the card ;
- Have enabled the “Abroad” and “Online” options in the card settings ;
- Own an Android device compatible with NFC and Google Pay ;
- Have downloaded the Google Wallet app (formerly Google Pay) on your phone ;
- Have a security code set, or have fingerprint or iris recognition configured on your phone.
Setup
From the Sumeria app
The customer can tap the relevant card from the app’s “Cards” screen. They can then enable the “Add to Google Pay” option.
From the Google Wallet app
To add a card to Google Wallet, the customer must tap “Add to Wallet” from the Google Wallet app. Learn more.
Limits
Unlike contactless card payments, there is no amount limit specific to Google Pay. Only the spending limits of the relevant card apply. Learn more about the applicable limits.
Paying in-store with Google Pay
There are two scenarios:
For a purchase inferior to €50, users just have to "wake up" their phone and approach it to the payment terminal.
For a purchase superior to €50, users have to unlock their phone and to approach it to the merchant's terminal.
In both cases, a "bip" sound will indicate payment has gone through.
The debit is made to the account associated with the registered card, under the same conditions as a physical card payment.