Android Pay FAQ

Android Pay™ Frequently Asked Questions

What is Android Pay?

Android Pay allows you to pay for your purchases with your supported Android device by holding your device near a contactless terminal at a participating merchant.  Android Pay comes preloaded on many Android devices. If your device doesn’t come with the app, simply download it from the Google Play Store.

Is Android Pay free?

Yes it is free to use Android Pay with your First State Bank debit card. Of course, standard phone, data, and messaging rates apply.

How do I add my First State Bank debit card to Android Pay? *Note - Debit card must be active to enroll.

If your debit card is already in your Google account, you will just need to confirm a few details. If not, simply snap a picture of your debit card to add it to your Android Pay. 

How do I make my First State Bank debit card my default card in Android Pay?

You can choose your debit card as your default—this card is always displayed on your Android Pay home screen at the top with additional payment options below. If your debit card is not accepted at a merchant, you can to choose another card on file with Android Pay.  There is no limit on the number of cards storable in the  Android Pay app.

How do I make an in-store payment with Android Pay?

You can use Android Pay at any merchant that utilizes contactless terminals.

To make a purchase with your device:

     1. Wake up and unlock your device.

     2. Hold the back of your device against the payment terminal.

     3. If prompted, choose “Credit” regardless of your type of card.

How do I make an online or in-app payment with Android Pay?

If Android Pay is available, an Android purchase button will display at checkout. Simply touch the button to make your purchase.

Is Android Pay safe?

Yes. When you use Android Pay, your debit card number, name, or security code are not stored on your device or given to the merchant reducing the risk of your data being stolen. A unique  token, or digital account number is provided to the merchant instead, keeping your personal information private and protected. And, you still enjoy all of your debit card benefits including Zero Liability protection against fraudulent purchases.

How does Android Pay know it’s actually my phone and therefore my card?

When setting up the Android Pay app, you must have or setup Android Operating System Screen Lock. This security app automatically locks your device after a certain amount of time of inactivity. Once locked, you will need to use the pattern, PIN, or password that you created during setup to unlock your device.

What do I do if my phone/device is lost or stolen?

Android Device Manager is a service provided by Google that allows you to nd, locate, and erase your device if it is lost or stolen. Additionally, you should contact us to disable the token for your debit card. As your card number is not stored, your debit card will not be impacted and can still be used. 

How do I return an item?

The return process is the same as with any other return.  You would follow the same steps to complete the return as you did to make the purchase. Some merchants may require to “see” the physical card or may require you to provide the last 4 digits of your digital account number. You can find your digital account number on the card details screen in your Android Pay app.

Can I get cash back using Android Pay?

It depends on the merchant. If a transaction is declined with cash back, you may have to try again for just the purchase price.

Can I use Android Pay internationally?

If your debit card is approved for use in the country you are visiting, you should be able to use Android Pay.

Can I see my recent transactions in Android Pay?

Yes. You may view recent purchases in your card’s details screen.

To access:

     1. Open the Android Pay app

     2. Touch the card you used to pay

     3. Find and select your transaction

Be sure to keep your receipts as it may be required as proof of purchase.

Do I need to have an active Internet connection to use Android Pay?

Yes. Android Pay requires an active Internet connection when making a purchase. It also requires an active Internet connection when adding or removing a payment card and to download transaction history. You can connect via a Wi-Fi network or using your mobile data connection. (Standard data rates apply.)

What do I do if my debit card that’s in Android Pay is lost or stolen?

If your actual debit card has been lost, misplaced, or stolen, contact First State Bank immediately. Android Pay will show your card to be invalid if you have cancelled your card with First State Bank. Your new debit card will then need to be added into Android Pay.

How do I add my fingerprint as a verication method?

Android Pay does not require fingerprint authentication but does require a passcode to unlock the screen using a unique pattern or PIN.

Does Android Pay use near field communication (NFC) technology?

Android Pay relies on a form of NFC called Host Card Emulation (HCE) in which card data is stored in the cloud. Android is an open source code with thousands of versions, so the secure element utilized in NFC is not a viable solution.

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Android, Android Pay, and the Android Logo are trademarks of Google Inc.