St. George Gold Low Rate Visa St. George Gold Advantage Visa St. George Vertigo Platinum St. George Platinum Private Bank Visa St. George Amplify Rewards St. George Amplify Rewards – Qantas St. George Visa St. George No Annual Fee Visa St. George Start Low Stay Low Visa St. George Amplify Platinum Visa St. George Amplify Signature Visa St. George Amplify Business Visa St. George Vertigo Classic
St. George – Mastercard credit cards
St. George Gold Low Rate MasterCard St. George Gold Advantage MasterCard St. George Platinum MasterCard St. George No Annual Fee MasterCard St. George National Parks and & Wildlife Greencard MasterCard St. George MasterCard St. George Start Low and Stay Low Mastercard St. George Vertigo MasterCard
Transactions using Google Pay are secure; Google keeps all payment information on secure servers. Your full card details are never stored on your device or shared with merchants when you use Google Pay. Merchants are only provided with your Virtual Account Number.
When Google Pay is used for transactions a confirmation appears in the app. This can assist you to detect suspicious activity. This alert shows where the transaction occurred along with the merchant’s name and the amount of the payment or refund.
If you misplace your device you can use Google's Find my Device to either lock your device or permanently erase all the data on it to prevent further Google Pay transactions being processed.
To use Google Pay, your device must be running on Android 5.0 (Lollipop) or higher, and support near-field communication (NFC) and host card emulation (HCE) technology. NFC and HCE are both required for Google Pay to work for in store transactions. Check the Google Pay Help Centre for more information as Google may from time to time make changes to the operating system and device requirements.
To successfully add a card to Google Pay you will need to ensure that you have:
a compatible Android device
an eligible St.George credit card which has been activated
registered for Internet banking and for Secure Code service using an Australian mobile phone number
entered your name in the Google Pay app in exactly the same way it is displayed on your plastic card, ie if a first name, middle name and surname are displayed on the physical card, all three must be entered in the app, to ensure you can make payments.
When you add a card to Google Pay, you are required to verify it to help protect your account. Verification is a two-step process. In the first step, you will be asked to verify the last four digits of your mobile phone number. You will then be sent a Secure Code via an SMS message to your registered Australian mobile number; to enter into the Google Pay app. This completes the verification process for Google Pay.
In order to set up Google Pay you need to have registered for our Secure Code service using an Australian mobile phone number. If you have not registered for this service you will need to call us to set it up. You will be asked to verify your identity before we can set this up for you.
When adding cards to Google Pay a virtual account number is created in place of your card account number. This number is used when you make a payment with Google Pay (or a refund of that payment), so that your card account number isn't shared with the merchant and won’t appear on the receipt. Each time you add a card to Google Pay, a new virtual account number is created.
If you are using Google Pay to obtain a refund, you may have to provide the last 4 digits of your virtual account number. You can find your virtual account number on the card details screen in your Google Pay app.
Yes, you can add multiple St.George eligible cards to Google Pay on compatible Android devices, and choose a default card. However, you must select the required card prior to making a purchase if more than one card is added.
Yes, you can use Google Pay overseas wherever there are contactless terminals that accept mobile payments as long as Google Pay has been set up in Australia and a valid Token Key has been downloaded on your device.
If you make a transaction of over $100 you will be prompted to enter your physical card PIN at the contactless terminal. If a PIN code is required to authorise a refund, you will need to enter your physical card PIN at the terminal.
You do not need an internet connection to make payments through Google Pay. However, you do need a valid Token Key to make a Google Pay payment; these are downloaded by Google Pay via an internet connection. If you do not have an internet connection and have used all the Token Keys on your device you will not be able to make a payment using Google Pay until your device is connected to the internet, and new Token Keys have been downloaded.
When your device is connected to the internet, Google Pay will automatically download a Token Key if it is required. There may be a short delay after Google Pay downloads new Token Keys before you are able to make a payment with Google Pay.
You must also ensure that NFC (near-field communication) and HCE (host card emulation) are switched on in your device settings.
Ensure Google Pay is selected as your default mobile payment service and that NFC (near-field communication) and HCE (host card emulation) are switched on in your device settings. NFC and HCE work together to send your payment information to the store so you can make your purchase.
If you’re still experiencing issues when making a payment at a contactless terminal please check that you have internet connectivity, your card has not expired, been blocked or closed. If your card has been re-issued with a new expiry date, check that the plastic card has been activated.
No, you do not need to re-enrol your card in Google Pay when your plastic card has expired. Your new expiry date is automatically notified to Mastercard and Visa. You do need to activate your new card before any Google Pay transactions can be made.
There is no fee charged by St.George to add your card to Google Pay. When adding your card Google will preauthorise a small amount (usually $2) however this amount should not appear on your statement when it is issued. If this amount appears on your statement please contact Google to discuss this or contact St.George to dispute the transaction.
The card details shown on the receipt provided by a merchant will contain the last four digits of your Virtual Account Number rather than your plastic card number. You can find the last four digits of your virtual account number on the card details screen in your Google Pay app.
Go to the Google Pay App on your device, select the card you want to remove, tap on the three dots in the top right hand corner of the screen and select Remove payment method. A confirmation message is displayed. Tap, Yes, remove. Your mobile card will be removed from your Google Pay wallet.
Alternatively, you can permanently erase all the data on your device via Google’s Find my Device. If you are using Find my Device, your device will require network connectivity.
To temporarily suspend a card in Google Pay:
To suspend payments using Google Pay, you can disable contactless payments for the mobile card in your Google Pay wallet.
Go to the Google Pay App on your device, select the card you want to suspend, tap on the three dots in the top right hand corner of the screen and select Disable contactless. A confirmation message is displayed. Tap Yes, disable. You will not be able to make contactless payments with your mobile card until you set it up for payments again.
Google Pay stores your Virtual Account Number on the device. It is the Virtual Account Number which is used to process transactions rather than the Goggle Pay app.
The Google Pay app is used to manage your cards and provide the Google Pay Transaction Receipt. It is a term of the St.George Google Pay Terms and Conditions that you keep the Google Pay app installed on your device so that you can receive the Google Pay Transaction Receipt.
To remove the digital card from your device, you must reinstall the Google Pay app and remove the card from the app.
If you get a new phone you will be required to add each card to Google Pay using the normal enrolment process.
You should perform a factory reset on your old phone. This will erase the Google Pay app and personal data and delete any cards you have added to the app. You can use Google’s Find my Device to permanently erase all the data on your device to prevent further Google Pay transactions being processed.