page top

Apply Online


Download Forms




Rates & Fees


Special Offers

Attention: open in a new window. Print

Google PayTM

  How does the Google PayTM app work?

Google Pay is a free app that allows you to pay with your Northern Inland card with a tap of your phone while enjoying the same benefits and protection of your physical card. Add an eligible credit card and you’re ready to tap and pay for purchases. Use Google Pay in participating mobile apps and anywhere contactless payments are accepted. To learn more, visit

  Is using my Northern Inland Visa card in the Google Pay App safe?

Yes. Google Pay has a number of security features:

  • Your physical card number is not stored on your phone
  • Just like a contactless transaction with your Northern Inland card, Google Pay will not work for purchases over $100 unless you enter your PIN at the terminal
  • If your phone is ever lost or stolen, you can use Android Device Manager to instantly lock your device, or even wipe it clean of any personal information
  • You will continue to enjoy $0 liability for unauthorised transactions the same as when using your physical card
  How do I get the Google Pay app?

You can get the Google Pay app for free if you have:

  • An Android Pay compatible smartphone with NFC technology that lets your phone transmit data to the payment terminal at checkout
  • Android Lollipop 5.0 or above operating system
  • Northern Inland Credit Union's smartPAY App (for identification purposes when downloading the Google Pay app)

To learn more, visit

  Can all NFC-enabled smartphones work with Google Pay?

All smartphones that are enabled with NFC technology have Android Lollipop 5.0 or above operating system and have an Australian carrier, are compatible with Google Pay.

  How do I pay using Google Pay?
  • Wake your phone by tapping the home or power button
  • Hold the back of your smartphone over the contactless symbol at checkout when prompted by the cashier
  • If the transaction is over $100 you will need to enter your card PIN at the terminal
  • You can make 3 consecutive transactions under $100 without unlocking your phone, but for security reasons, Google Pay will require the user to unlock the phone after 3 transactions
  • Confirm with the merchant that the Google Pay transaction has been accepted and collect your receipt
  • To make a purchase in mobile app when online, select Google Pay at checkout. Your Northern Inland card and address details will be automatically added
  Is Google Pay secure?

Yes. When a cardholder pays using Google Pay, the merchant never sees the PAN [card number].

  What do I need to use Google Pay?

To use your Android phone to pay in stores, you need a NFC enabled Android device running Lollipop 5.0 and the Google Pay app. NB: Google Pay is preloaded on some newer Android phones.

  Do I need to upgrade my Android operating system to use Google Pay?

As long as you have an Android phone running Lollipop 5.0 that is NFC enabled you do not need to upgrade.

  How do I know what version of Lollipop I am operating?

You can usually see this by going to Settings > About > Device > Android version. If this doesn’t work on your device, please contact your phone manufacturer or telco.

  Where can I use Google Pay?

You can pay with your Android phone at any store that accepts contactless payments in Australia.

  Am I able to opt out of Google Pay at any time?
Adding your credit or debit cards to Google Pay is your choice; you can add and remove cards when needed.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.. Read the Product Fact Sheet to determine if this product is right for you.