Google PayTM FAQ's

Using Google Pay

Before making a purchase using your digital wallet you will need to follow a few simple steps to enrol in Google Pay* and add your existing Visa credit or debit cards.

1.   Download the Google Pay App from the Google Play Store on your compatible Android device, if it isn’t already available on your smartphone
2.   Open the Google Pay App - Tap ‘+’ to add all your eligible Heritage Visa cards
3.   Use the camera to capture your card information or enter it yourself
4.   Accept the Terms & Conditions
5.   Verify your Google Pay registration by entering the  One Time Password (OTP) we sent to your registered phone via SMS (ensure your mobile phone number is up-to-date)
6.   You’re all set to make contactless purchases using your digital wallet – just make sure your device  is unlocked when you hold it up to pay
7.   Visit the Google Pay website for more information 

In Stores - Pay contactless with your Android Phone

Google Pay works anywhere contactless payments are accepted. Just wake your Android phone and hold it near the terminal until you see a check mark. You don't even need to open the App. 

In Apps and on the web - Pay as quick as you click

Use Google Pay to check out even faster. Once you've added a card, you won't need to enter your payment info again. Just confirm your purchase and you're all set.

Use Google Pay wherever you see these symbols

When making purchases using Google Pay, your physical card number is replaced with a ‘token’ to pay for transactions. Google Pay protects your payment info with multiple layers of security to help keep your account safe.
Yes, to remove a card from your digital wallet, simply open Google Pay, click on the card in your digital wallet and tap ‘remove’.  This doesn't affect the use of your physical card.
Google Pay transactions will not impact any loyalty or rewards programs you have with Heritage. They will be treated like any other card transaction.
Yes. Whether you use a digital wallet or a physical Visa card, you are protected with Visa Zero Liability# against fraudulent transactions.
 

To make a purchase in-store, you need to have the NFC settings turned on in your device settings.

Then open the Google Pay App and ensure your device screen is active. Purchases cannot be processed if the screen is inactive or locked.

When you hold your device in front of a contactless reader, the token stored in the digital wallet will be transmitted directly to that contactless reader.

Security of Payments

Google Pay protects your payment info with multiple layers of security to help keep your account safe.
When you use your phone to pay in stores, Google Pay doesn’t send your actual credit or debit card number with your payment. Instead, an encrypted virtual account number is used to represent your information – so your real card details stay safe.
Transaction data that is stored on your device is kept anonymously and recent purchase history remains private, and is not used for marketing purposes.
If your device is lost or stolen, you can easily find, or erase your device using Android Device Manager. Call us immediately on 13 14 22 and assist you to suspend l suspend or delete the relevant cards from the Google Pay App. If you purchase a new device then you will need to add your eligible Heritage Visa cards to the Google Pay App. In the meantime, you can continue to use your physical card without interruption.
For purchases over $100, you will need to enter your physical card PIN at the terminal. 
Digital Wallet help

Please contact Heritage as soon as possible. Once you report your Heritage card as lost or stolen, you will not be able to use it for purchases using your digital wallet. You will need to remove this card from your digital wallet.  After you receive the replacement card you must add the new card to your digital wallet.
Yes, however, it’s important you set-up or activate your card in your digital wallet before heading overseas. If you don’t have international roaming enabled on your device, you may encounter technical issues such as receiving your One Time Password.
You will need to remove your old card from your digital wallet.  Then you will need to re-add any new or replacement cards to your digital wallet, as the physical card number and/or expiry date will have changed.
If you think a transaction looks suspicious, contact Heritage’s Contact Centre on 13 14 22. Have details of your concerns at hand.
No. Whether you use a digital wallet or a physical Visa card, you are protected with Visa Zero Liability# against fraudulent transactions.
If selling or giving away your device you should make sure you delete all cards in any digital wallet. Alternatively, you may reset your device to factory settings which will also remove all token accounts. If you forget to do this, contact Heritage and we will can action this for you on your behalf.
Whether you use a digital wallet or a physical Visa card, you are protected with Visa zero liability# against fraudulent transactions.
Digital wallet transactions appear on your monthly or online statement the same as any card transaction performed on your account.
Receipts should look the same as they always have. However, in some cases, receipts created from digital wallet purchases may display the last four digits of the token provided to the merchant (these four digits may differ from the last four digits of your physical card).
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Things you should know

*

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

#The Visa Zero Liability policy covers Australian issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions, conditions apply.  Cardholders should review their transaction regularly and notify Heritage promptly of any unauthorised Visa use or contact heritage to find out more. You should be aware if you submit an unauthorised Visa transaction request, Heritage will need to review your request before provisional credit may be provided.

Outside Australian – equivalent to Australian dollar currency value.

The information provided is intended as general information only. Articles have been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs. You should consider obtaining personal investment, taxation and/or legal advice before making any decision.  Please consider the Guide to Heritage Deposit Products and Guide to Heritage Credit Card Products (available in-branch, or at www.heritage.com.au) before you decide whether a product is right for you. All loans and credit cards are subject to application and approval. Conditions, criteria and fees apply and are subject to change without notice.


2.8.2

Things you should know

*

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

#The Visa Zero Liability policy covers Australian issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions, conditions apply.  Cardholders should review their transaction regularly and notify Heritage promptly of any unauthorised Visa use or contact heritage to find out more. You should be aware if you submit an unauthorised Visa transaction request, Heritage will need to review your request before provisional credit may be provided.

Outside Australian – equivalent to Australian dollar currency value.

The information provided is intended as general information only. Articles have been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs. You should consider obtaining personal investment, taxation and/or legal advice before making any decision.  Please consider the Guide to Heritage Deposit Products and Guide to Heritage Credit Card Products (available in-branch, or at www.heritage.com.au) before you decide whether a product is right for you. All loans and credit cards are subject to application and approval. Conditions, criteria and fees apply and are subject to change without notice.;

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