Google Pay - Frequently Asked Questions

What is Google Pay?
Google Pay provides owners of Android® devices the ability to use their Android phone to make in store or in-app payments using an eligible STAR credit or debit cards.

What is Near Field Communication (NFC) Technology?
Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Google Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal.

How do I get Google Pay on my device?
Google Pay may be preloaded on select devices. If your device does not have the app, simply download it from Google Play.

Google Pay requires that you sign-into your Google account before you register any credit/debit cards. During setup of Google Pay, you will be prompted to create an Google Pay PIN, pattern, or password. For select devices running Android Marshmallow 6.0 or later, you may use your fingerprint to verify transactions.

How do I add my STAR cards to Google Pay?
Choose the Google Pay icon, and log in using your Google account information. If you do not already have a Google account, you can create one. Once logged in you can, touch ADD CARD in the Google Pay app to begin the process of adding your card. Center the card in the on-screen window and Google Pay will read the card number. Or you can enter the card number manually. Verify or enter the additional information such as Cardholder Name, Expiration Date and Security Code (CVV). Read and accept the Terms and Conditions for adding a card to a digital wallet by touching AGREE TO ALL. You will be prompted to CALL STAR Customer Solutions to verify your information. Once complete, your card is ready for use in Google Pay. You will receive an email verifying that your card has been added to Google Pay.

Why am I being asked by STAR to verify my card?
This is a required security step to ensure you are the actual cardholder. Simply click the CALL button to contact STAR so we can verify your identity. Then look for an email message letting you know that your card is ready for Google Pay.

How do I pay using Google Pay?
Once your eligible STAR card is registered to Google Pay, you may select Google Pay as your default wallet. Settings vary by device manufacturer and model, so if you need help setting Google Pay as the default option for making mobile payments, please contact your mobile service provider. Once Google Pay is the default wallet, paying is as simple as unlocking your device and holding the device up to the NFC contactless reader at the point-of-sale. Ensure that your STAR card is set to the default card.

Google Pay will indicate that you are ready to make a payment.

For NFC Contactless Payments

  1. Hold the phone above the NFC contactless reader on the payment terminal
  2. The two devices should be almost touching

The merchant or cashier is asking for the last 4 digits of the card when I make an Google Pay transaction, what do I give them?
In the event you are asked to provide the last 4 digits of the card when you make an Google Pay transaction, you should provide the merchant with the last 4 digits of the device account number or token, as that was the account number used in the purchase. You can locate the last 4 digits of the device account number in the Google Pay app on the Card details associated with the card you are using for your purchase, just tap on the card image to access the number.

Is there a fee associated with using a STAR card with Google Pay?
There is no cost to use Google Pay from STAR; however, an active data plan with a mobile carrier is required. Based on your wireless plan and mobile carrier's offering, additional message and data charges may apply. STAR does not charge any fees to add your STAR credit and/or debit cards to Google Pay.

Can I use Google Pay outside of the United States?
If your card is authorized for international purchases, and you are visiting a country where Google Pay is available, you can use Google Pay to make purchases at retailers that accept contactless payments. Based on your wireless plan and mobile carrier's offering, additional message data charges may apply. Foreign transaction fees may apply if applicable to your wireless plan and your credit card account.

Can an Google Pay token be used for recurring charges, subscriptions or bills (Netflix, Amazon Prime, etc)?
This service is not currently available.

Will merchants receive my physical card number?
Merchants won’t have access to your card number; they’ll receive the unique virtual card number associated with your debit card.

Will all merchants accept Google Pay?
No. Not all merchants have adopted this technology. Please continue to carry your physical cards to use where Google Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept Google Pay.

Does Google Pay show my STAR debit card transactions?

Google Pay displays the last 10 purchases you made with Google Pay on your phone, with the merchant, date, time and amount. For a complete view of all your STAR debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

What if my phone is lost or stolen?
Since you’ve registered with Google, you can use their Android Device Manager app to locate your phone, lock it or even erase it. If you know the phone is not retrievable, contact STAR to cancel your debit card which will delete your virtual card from Google Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact STAR immediately.
Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google logo are trademarks of Google LLC.