FAQ

Google Pay

1. What is Google Pay?

   Google Pay is a fast and convenient way to make purchases using your HRCU debit and credit cards with your mobile device at contactless (NFC) terminals in store and in supported apps.

2. What devices can I use with Google Pay?

   You can use Google Pay on the following Android devices:

   • NFC-enabled phone and tablet running Android OS 4.4 (KitKat) or higher
   • NFC-enabled Android smartwatches
   • Mobile Chrome browser running v53 or higher
   • Note: to set up Google Pay on your smartwatch, you need a compatible Android phone. To check compatibility, use your phone to visit g.co/WearCheck.

3. What HRCU cards can I add to Google Pay?

   Pay will work with your HRCU consumer and business Visa^® Debit and Credit Cards.

4. Can I use multiple HRCU Cards with Google Pay?

   Yes, you can use multiple cards with Google Pay. Devices do not share cards, so if you want to use the same card on two different devices, you will need to add the card on each device separately. To ensure youâ€^™re using your HRCU Card, tap the card image on each of your devices to set it as your default payment card. You can easily switch between cards whenever you make a purchase.

5. What is the maximum term for a mortgage?

   The longest term for a mortgage is 30 years.

6. How do I add my HRCU Card?

   

   Visit https://pay.google.com/about/ to follow the setup instructions directly from Android.

7. Why am I being asked to verify my HRCU card?

   For security reasons, we may need you to provide additional verification to add your HRCU card to Google Pay. If necessary, the Android app will tell you how to verify your card. Once your information is verified, you will see an on-screen message that your card is ready for Google Pay. If you do not receive an on-screen message please call us at 603.509.1297.

8. How do I set my HRCU Card as my default card in Google Pay?

   On an Android phone or tablet:

   • Open the Google Pay app
   • Tap your HRCU Debit or Credit Card
   • Tap Set as default card
   • On an Android Wear smartwatch:
   • Open the Google Pay app
   • Scroll to the HRCU Card you want to use as default and then tap it
   • From the bottom, swipe up on More
   • Tap Set as default

9. Does HRCU charge anything to use Google Pay?

   HRCU does not charge a fee for members to use Google Pay. Be aware that message data and rates may apply, depending on your data plan.

10. Where can I use Google Pay?

    You can use Google Pay at over one million locations whose payment terminals are NFC-enabled and set up to accept Google Pay. You can also use Google Pay to make purchases in apps and online using your device mobile Chrome browser (running Chrome v53 or higher) at participating merchants.View the list of merchants at https://pay.google.com/about/.

11. Do I need to be connected to the internet or a cellular network to make a make a purchase using Google Pay ?

    No, but you will need to connect every so often to refresh the app. This will help ensure Google Pay is ready to pay when you are.

12. What is a contactless payment?

    Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

13. Is Google Pay safe and secure for making payments?

    The safety and security of your account information is of the highest importance.As a security measure, you may receive a “verification required� message when adding your card to Google Pay. Once verified, an on screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our members. When you make payments with Google Pay and your HRCU card:

    • Your full card number is not stored on your mobile device.
    • All transactions are monitored by HRCUâ€^™s risk and fraud detection systems.
    • Purchases made using Google Pay are protected by Zero Liability* so you wonâ€^™t be held responsible for promptly reported unauthorized transactions.

14. What if I find unauthorized charges on the card I use with Google Pay?

    Please call the number on the back of your HRCU debit or credit card to have your card closed to prevent any additional unauthorized charges and mention you added your card to use Google Pay. You should remove the card from Google Pay. To remove your card, open the Google Pay app to view your wallet, tap on the card you want to remove, select the option to remove card and then confirm.

15. What if my HRCU card is lost or stolen?

    Please call HRCU immediately and mention you added your card to Google Pay. We will close your card so that no more purchases can be made. You should remove the card from Google Pay. To remove your card, open the Google Pay app to view your wallet, tap on the card you want to remove, select the option to remove card and then confirm.

16. What if my Android device is lost or stolen?

    If your Android device is ever lost or stolen you can use Android Device Administrator to lock it remotely, create a new password, and wipe your personal information from it.We also recommend notifying your mobile carrier and calling HRCU promptly. Mention that you added your card to Google Pay so we can disable your card for use with Google Pay. If you locate your device, you will need to contact us so we can reactivate your card and you will need to add your card back to Google Pay before using it to make any purchases with Google Pay.

17. Where can I find more information about Google Pay?

    To learn more about Google Pay please visit https://pay.google.com/about/.

18. Why is the transaction amount in my Google Pay transaction history different from what's in my HRCU Online or Mobile account detail?

    If you make a Google Pay purchase with your Debit Card, the merchant may request authorization for an initial amount and send us the actual transaction amount for payment. The initial authorized amount appears in your Google Pay transaction history, but the actual transaction amount is deducted from your account.This happens in places where:

    • You can add a tip (restaurants, salons)
    • There can be a significant difference between the amount that is initially authorized and the actual transaction amount (hotels, car rental agencies)
    • For most Debit Card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.
    • Keep track of your transactions and ensure you have sufficient funds in your account to cover the final payment.

19. Where can I view my Google Pay transaction history?

    On an Android phone:

    1. Open the Google Pay app
    2. Touch the card you used to make the purchase
    3. Find and tap your transaction

    On an Android Wear smartwatch:

    1. On your smartwatch, open the Google Pay app
    2. Tap a card
    3. Swipe up on the card to view your transaction

    *Please see your applicable HRCU account agreement and card terms and conditions for information on liability for unauthorized Transactions.