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A Convenient 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.

Is Google Pay Safe?

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.

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.


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

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

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

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".

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.

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.

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.

Adding your credit or debit cards to Google Pay is your choice; you can add and remove cards when needed.

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.

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

More information is available at


Android™, Google Pay™ 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.