Google Pay

Google Pay is Here

Google Pay: A Convenient New Way to Pay

As an Android* user, you can now pay with your phone at more than 1 million stores across the U.S. Google Pay is a new mobile payment solution that offers Navy Federal debit and credit card holders further simplicity, security and choice when paying for things every day.

Making payments is safe when you use Google Pay, thanks to tokenization, the industry standard for secure payments. Your card number isn't stored on your phone or given to the merchant with your payment. Instead, Google Pay uses a virtual account number to represent your account information–providing an extra layer of security.

To add your Navy Federal debit or credit cards to Google Pay:

  1. Download the Google Pay app and open it.
  2. Take a photo of your card.
  3. You're done!

It’s that simple. When you’re ready to pay, unlock your phone as usual and hold it over the merchant’s contactless payment terminal.


Helpful Resources

Find out more about Google Pay.

Learn more about mobile payments.

Navy Federal and Google Pay

Message and data rates may apply. Visit navyfederal.org for more information. Android and Google Pay are trademarks of Google LLC. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

What is Google Pay?

Google Pay* is the new way to pay with your smartphone, offering simplicity, security and choice. Simply unlock your phone and place it near a contactless terminal, and your payment is complete.

What do I need to get started with Google Pay?

  • Android device with OS KitKat or higher
  • Google account
  • Screen lock enabled

How do I set up Google Pay?

First, download the Google Pay app from the Google Play Store. If your Navy Federal card is already linked to your Google account, you can simply add it to the Google Pay app by confirming a few details. To add a new card, it’s as simple as snapping a picture.

How do I pay with Google Pay?

  1. Unlock your device (no need to open the app).
  2. Hold the back of your device near a contactless payment terminal.
  3. Your phone will beep or vibrate, and you’ll receive a confirmation on-screen letting you know the payment was made.

Which Navy Federal cards can I use with Google Pay?

You can use consumer and business debit and credit cards with Google Pay.

When I add my Navy Federal card to Google Pay, it doesn't look like the card in my wallet. Why?

Google Pay uses a graphical representation, not an exact replica of your Navy Federal card. Navy Federal credit and debit cards are color coded like this:

  • Red = consumer debit card
  • Blue = consumer credit card
  • Grey = business debit card
  • Black & green = business credit card

How do I change my default card to my Navy Federal card?

The first card you add to Google Pay will automatically become your default card. To change your default, do the following:

  1. Open Google Pay.
  2. Tap on your preferred card to get the "back of card" view.
  3. Select "Set as default card".

How do I replace an old Navy Federal card with my new card on Google Pay?

You'll delete your old card from Google Pay and add your new one. To do this, do the following:

  1. Open Google Pay.
  2. Select the card you want to delete to get to the "back of card" view.
  3. Select "Remove card".
  4. To add the new card, simply press the "+" symbol and follow the step-by-step instructions.

Are my payments safe with Google Pay?

Yes. When you use Google Pay, your Navy Federal card number isn't stored on your phone or given to the merchant. A unique virtual account number is created specifically for that card on that device. You still enjoy all the benefits of your Navy Federal credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

How are my privacy and personal information protected?

Since Google Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

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.

Which merchants are participating?

Google Pay is accepted by more than a million stores across the United States. Stores include McDonalds®, Best Buy®, Office Depot®, Walgreens® and many, many more.

Is Google Pay free?

Yes. Be aware that message and data rates may apply, depending on your data plan.

Where can I get more information on Google Pay?

More information is available at www.google.com/pay.

Navy Federal and Google Pay

Message and data rates may apply. Terms and Conditions are available. Android, Google Pay, Google, and Google Play are trademarks of Google LLC. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.