Getting Started

About Android Pay

Using Android Pay

Managing your card

Secure Payments

Merchants

Getting Started

How do I set up Android Pay™?

To set up Android Pay you will need to have a screen lock on your phone which can be a PIN, password, pattern or fingerprint and be signed into a Gmail account. You will be prompted to set it up when adding your first card to Android Pay if you haven’t already done so.

You will also need an internet connection to set up Android Pay.

Check your mobile number. When you add an ANZ card to Android Pay, for security purposes we may send you an SMS to complete the process. Check the mobile number we have is up to date so you can receive it.

Now add your card to Android Pay:

1. Download the Android Pay app free from the Google Play Store.

2. Open the Android Pay app and tap the ‘+’ sign to add a card.

3. Use your phone camera to capture your card's information or enter it manually. 

4. Enter your card’s expiry and security code followed by your billing address and mobile number. Then tap ‘Save’ to confirm that you agree to the Google Terms and Conditions.

5. Read and confirm that you agree to the ANZ with Android Pay Terms and Conditions.

6. For security purposes we may ask you to call us or send you a verification code via SMS.

Note: In order to make payments with Android Pay ensure it is set as your default “tap and pay” app. If you have ANZ Mobile Pay installed on your phone, and wish to use Android Pay to pay, ensure you select “Android Pay” not “ANZ” when setting your default “tap and pay” app. The app you set as your default “tap and pay” app will be used to make payments even if you have another “tap and pay” app open at the time.

Also, do not add your card to someone else’s device as they can then use your card to pay.

About Android Pay

What is Android Pay?

Android Pay lets you use your compatible Android™ device to make simple and secure purchases with your eligible ANZ cards in store and in apps.

Which devices can I use Android Pay with?

Android Pay is currently available for Android devices running 4.4 (KitKat) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support.

Learn how to check your Android version. You can also learn how to check for NFC.

Which ANZ cards will Android Pay work with?

Android Pay supports the following ANZ credit and debit cards:

 

ANZ Access Visa Debit

ANZ Balance Visa

ANZ Business Visa Debit

ANZ Business One

ANZ Business One Black

ANZ First

ANZ First Low Interest

ANZ Frequent Flyer Gold

ANZ Frequent Flyer Visa

ANZ Frequent Flyer Visa Black

ANZ Frequent Flyer Visa Black (Private Bank)

ANZ Frequent Flyer Visa Platinum

ANZ Frequent Flyer Visa Platinum (Private Bank)

ANZ Low Rate MasterCard®

ANZ Low Rate Platinum MasterCard®

ANZ Platinum

ANZ Rewards Visa

ANZ Rewards Visa Black

ANZ Rewards Visa Paycard

ANZ Rewards Visa Platinum

ANZ Rewards Travel Adventures Visa

ANZ Visa Paycard

ANZ Frequent Flyer American Express® card

ANZ Frequent Flyer Black American Express® card

ANZ Frequent Flyer Gold American Express® card

ANZ Frequent Flyer Platinum American Express® card

ANZ Rewards American Express® card

ANZ Rewards Black American Express® card

ANZ Rewards Platinum American Express® card

ANZ Rewards Travel Adventures American Express® card

Can I add more than one card to Android Pay?

Yes, you can add as many cards as you like to Android Pay.

How much will Android Pay cost?

There is no additional fee for using the Android Pay app. Note: If you download the app from Google Play you may be subject to the relevant mobile data usage plan charges.

Where can I find out more information about Android Pay?

You can read more about Android Pay on the Android Pay website.

Using Android Pay

Where can I use Android Pay?

You can pay with Android Pay wherever you can make contactless payments using your eligible ANZ card and in apps when you see the ‘Buy with Android Pay’ button or Android Pay as a payment method.

How do I pay in store using my Android phone?

To make a purchase in store, simply wake your phone, hold it up to the contactless terminal and you’re done. No need to open the app. Always check the terminal to confirm your payment is successful.

Depending on the value and number of consecutive transactions, you may need to unlock your phone at the contactless payment terminal to make a transaction.

For purchases over $100 you will be prompted to enter your card PIN on the terminal.

Note: Do not share your Android Device Unlock PIN, password, pattern or let anyone else, including family members, have their fingerprint registered to your device while your card is registered in Android Pay. Ensure your device is attended at all times.

If you experience unusual activity whilst using Android Pay with your ANZ card please notify ANZ immediately on 13 13 14.

How do I pay within apps?

Look for the ‘Buy with Android Pay’ icon during checkout. Simply tap the icon to review your payment information and contact details are correct. You may be prompted to unlock the device to authorise the payment.

Note: Do not share your Android Device Unlock PIN, password, pattern or let anyone else, including family members, have their fingerprint registered to your device while your card is registered in Android Pay. Ensure your device is attended at all times.

If you experience unusual activity whilst using Android Pay with your ANZ card please notify ANZ immediately on 13 13 14.

Do I need an internet connection to use Android Pay to make purchases?

Your phone uses Near Field Communications (NFC) to communicate with the terminal and so you may not need an internet connection to use Android Pay in stores. Due to the nature of NFC, you may however be prompted to connect to the internet if you have not done so for an extended period of time to ensure you can use the app in stores.

Will Android Pay work overseas?

For ANZ customers Android Pay will work in all countries wherever contactless payments are accepted. We recommend you take your plastic card as a backup when travelling overseas.

Can I use Android Pay at contactless enabled ANZ ATMs, over the counter at the branch, or to withdraw cash in store?

No, at this stage Android Pay will not work at contactless enabled ATMs, over the counter at the branch or to withdraw cash in store with purchases. You will need to use your physical cards to complete these transactions.

Do I still get reward points when I use Android Pay?

Yes, you will continue to receive all of the same benefits and rewards your eligible ANZ card offers when you pay with Android Pay.

How do I return an item purchased with Android Pay in store?

With purchases made with Android Pay, you use your virtual account number to process a return. To view the last four or five digits of the virtual account number, go to “Card details” or “transaction details”. ​Or you can select the card you used to make the purchase in Android Pay and hold your phone up to the contactless terminal.

Managing your card

Can I view transactions in Android Pay?

Yes. After every Android Pay transaction, you’ll receive a notification on your phone. Clicking the notification displays a receipt that includes the merchant name, and basic transaction information.

You can also view the last 10 transactions made with your phone by selecting a card.

For a full list of transactions made with your card log on to ANZ Internet Banking or download or open the ANZ goMoney® app.

How do I change my default card for Android Pay transactions?

In store:

The first card you add to Android Pay will automatically become your default card that is used to pay. To change your default card for Android Pay, simply open the Android Pay app, tap and drag the card you wish to be default to the “Default Card” spot at the top of the app’s Home screen.

In apps:

When making a purchase in apps, the default card for Android Pay will be presented to make an in app payment. If you are making a repeat in app purchase it will automatically select the last card you used to make an in app payment. You can easily choose another card that is registered in Android Pay to make a payment.

How do I remove a card?

You can remove your card by tapping your card in the Android Pay app and selecting "Remove Card" by scrolling to the bottom of the screen. 

Note: It may be possible to make transactions using Android Pay with your Android Device after deleting or uninstalling the Android Pay app on your Android device. As a result, if you no longer wish to use a card with Android Pay, you should remove the card from Android Pay prior to deleting or uninstalling the Android Pay app on your Android device. If you remove your Android Device Unlock PIN, password, pattern or fingerprint all credit and debit cards will be removed from your device.

I am a primary credit cardholder. Can I block an additional cardholder from using Android Pay?

It’s not possible to block an additional cardholder from a purchase type, such as Android Pay, internet purchases or contactless.

You can request for an additional card to be stopped, which will prevent it being used for all transactions, including those through Android Pay.

Note: Ensure any additional cardholders do not share their Android Device Unlock PIN, password, pattern or let anyone else , including family members have their fingerprint registered to their device while their additional card is registered in Android Pay or leave their device unattended, as you will then be liable for transactions that are authorised in this way.

If I receive a reissued ANZ card, do I need to update my card information with Android Pay?

Once you have activated your ANZ reissued card, your Android Pay card list will automatically be updated with your new card details.

Can I still use Android Pay if I report my card as lost or stolen?

When you call ANZ to report your physical card as lost or stolen, we will block that physical card. This will automatically suspend your card in Android Pay. When you activate your ANZ MasterCard® or ANZ American Express® replacement card, your card registered with Android Pay will be automatically updated with your new card details and be available for making purchases. If you have an ANZ Visa card, you will need to delete your card and add your replacement card to Android Pay once you receive and activate it before you can start making purchases.

Secure Payments

Is Android Pay secure?

Using your ANZ cards with Android Pay is secure:

Do not share your screen lock with anyone else while your card is registered in Android Pay. Ensure your device is attended to at all times.

Learn more about Android Pay and its security.

Do I need to use my card PIN with Android Pay?

Yes, for transactions over $100 you will be prompted to enter your card PIN when using Android Pay in store.

What happens if my Android phone is lost or stolen?

If your phone is lost or stolen, you can easily find or erase your phone using Android Device Manager.

If you purchase a new phone then you will need to add your cards to Android Pay.

Call us right away on 13 13 14 and we’ll suspend or delete your cards in the Android Pay app. We’re available 24/7.

Merchants

How do I start accepting Android Pay payments in my store?

If you accept contactless payments today, you’re likely to be able to accept Android Pay payments.

If you’re not already accepting contactless payments, contact the ANZ Merchant Sales team on 1800 086 325 to find out more.

Are there additional fees to accept Android Pay payments?

No. Google and ANZ do not charge any additional fees to accept Android Pay.

Are Android Pay payments charged as card present or card not present?

Payments made using Android Pay in stores are card present transactions. Payments made using Android Pay within apps are card not present transactions.

How can I let my customers know they can pay with Android Pay?

You can let your customers know you accept Android Pay by ordering the decal kit from https://www.android.com/pay/form/ and displaying the payment mark on your payment terminal.

You can also download the logo for digital displays from https://android-pay-toolkit.withgoogle.com/.

How do customers authorise a payment in store?

A customer authorises an in store payment by using the phone in place of a card at a contactless payment terminal. The customer’s phone will need to be unlocked to make a transaction after a maximum number of consecutive transactions have been made.

Transactions over $100 will require the customer’s card PIN to be entered at the terminal.

Will customers need to enter a PIN when paying with Android Pay?

For transactions over $100 customers in Australia will need to enter their card PIN when using Android Pay in store.

What is a Virtual Account Number and will it show on the receipt?

Instead of using a card number, Android Pay assigns a unique Virtual Account Number (Token). When a customer makes a purchase, this number, along with a transaction-specific code, is used to process the payment – meaning you will never see card details.

The last four or five digits of the Virtual Account Number will appear on customer receipts instead of the last four digits of the card number.

How do I process refunds with Android Pay?

Refunds for an Android Pay purchases are processed in a similar way to traditional refunds.

Please note that it is important that refunds are processed on the same card as the original transaction.

You will need to obtain the Virtual Account Number to find the purchase and process the return.

To see the last four or five digits of the Virtual Account Number, ask the customer to open the Android Pay app and select “Card Details” or “transaction details” . Alternatively the customer can hold their phone near the contactless terminal, and select the card they used to make the purchase.

How do I start accepting Android Pay within my app?

Visit ANZ Secure Gateway or call our ANZ Merchant Sales team on 1800 086 325 to find out more.

How will a customer authorise a payment within an app?

Customers will authenticate transactions by using Android Pay in the app. Customers may be prompted to unlock the device to authorise the payment.

Terms and conditions apply to the use of ANZ goMoney.

ANZ goMoney and goMoney are registered trademarks of ANZ.

™ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

Android, Android Pay, and Google Play are trademarks of Google Inc..

Terms and conditions apply to the use of Android Pay.

American Express is a registered trademark of American Express. ANZ American Express® cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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