1. About Android Pay

What is Android Pay?

Googles Android Pay app allows you to use your compatible Android smartphone to simply and securely pay in store or in apps.

What phones are eligible for Android Pay?

Your phone must be NFC capable and running Android Operating system Kit Kat 4.4 or higher.

You can find out what operating system your device is running and whether your phone is NFC capable by navigating to your Settings.

Which Bendigo Bank cards will Android Pay work with?

Android Pay supports the following Bendigo Bank Mastercard® Credit and Debit cards and Visa Credit cards:

  • Bendigo Blue Debit Mastercard
  • Business Blue Debit Mastercard
  • Just Business Credit Card
  • PokitPal Debit Mastercard
  • Low Rate First Mastercard
  • Low Rate Mastercard
  • Low Rate Platinum Mastercard
  • Qantas Platinum Mastercard
  • Platinum Rewards Mastercard
  • RSPCA Mastercard
  • Ready Red Credit Card
  • Basic Black Credit Card
  • Platinum Credit Card
  • act. Debit Mastercard
  • act. Visa Credit card
  • act. Platinum Credit Card
  • Royal Children’s Hospital Visa Credit Card
  • Royal Children’s Hospital Platinum Credit Card

How many cards can I load into Android Pay?

There is no limit on the number of cards you can load into the app, however you must be the owner or applicable signatory of all cards added.

How much does Android Pay cost?

The app is free to download at the Google Play but does use a small amount of data, so data usage charges may apply.

Card transaction fees and charges may still apply.

Where can I find out more information about Android Pay?

You can read more about Android Pay on the Android Pay website.

2. Getting Started

How do I get Android Pay?

Android Pay is preloaded on some Android smartphones. Otherwise Android Pay can be downloaded from the Google Play Store.

How do I register my card in Android Pay?

To register for Android Pay, you will need to ensure:

  • You are signed in to Google Play with your Gmail account.
  • You have a PIN set up and enabled on your device.
  • Your device is NFC capable and is running Android operating system Kit Kat V4.4 or higher.
  • You have at least $2 in your account.

Next, add your Bendigo Bank card. You can do this through the Bendigo Bank Protect+Pay app or the Android Pay app.

Using Protect+Pay:

If you are not registered for Protect+Pay you can find it in the Google Play store.

You will need:

  • Your Bendigo Bank Mastercard or Visa card.
  • Your Bendigo e-banking login details or your card information and 4 digit card Personal Identification Number (PIN).
  • Your mobile phone number.

Confirm you accept the Protect+Pay Terms and Conditions and set your app Passcode.

Select ‘Tap to Launch Android Pay’ under your eligible Bendigo Bank Mastercard or Visa card.

Take a photo of your card or enter your card information manually.

Read and agree to the Bendigo Bank Digital Wallet Terms of Use.

For security purposes we may ask you to enter your e-banking or card details again, or phone us on 1300 236 344 before we activate Android Pay on your card.

Find out more about Protect+Pay.

Using Android Pay:

Open the Android Pay app and tap the plus sign in the bottom right corner.

Capture your card information by taking a photo of your card, alternatively enter your card information manually.

Read and agree to the Bendigo Bank Digital Wallet Terms of Use

For security purposes we will ask you to login or register for the Bendigo Bank Protect+Pay app before we activate Android Pay on your card.

Alternatively, you can call us on 1300 236 344 (1300 BENDIGO)

What is my Virtual Account Number?

All your payment cards stored in Android Pay are assigned a virtual account number. This number is used instead of your actual card number when you make a purchase with Android Pay, so that your payment info isn't shared with the merchant.

How do I use Android Pay in store?

For purchases under $100, make sure you device is awake and simply hold it to the contactless terminal.

For purchases over $100, you may also need to enter your card PIN.

Can I use Android Pay for In App payments?

Yes, you can use Android Pay for in App payments at participating merchants. List of participating merchants in Australia.

Can I use Android Pay to withdraw cash?

At this stage Android Pay will not work to withdraw cash at ATMs or in branch. You will need to continue using your plastic cards to complete these transactions.

Which card does Android Pay use when I pay?

You can choose which Bendigo Bank card to use as a default. See the Manage Your Card section of FAQs for instructions on how to change your default card.

Does Android Pay work overseas?

Android Pay will work in all countries wherever Visa and Mastercard contactless payments are accepted.

We suggest you take your plastic card as a backup.

You can only perform a limited number of purchases without an internet connection, so will need an internet connection overseas.

Do I still get reward points when I use Android Pay?

Yes, if you are using a credit card with rewards you’ll continue earn points when using Android Pay.

Can I view transactions in Android Pay?

Yes, you can view the last 10 transactions made using your card.

For a full list of transactions, login to Bendigo Bank e-banking.

How do I return an item purchased with Android Pay in store?

If you need to return a purchase made with Android Pay, you may need your plastic card. Not all eftpos devices enable you to tap to complete your return.

You might also have to provide the last 4 digits of your virtual account number. You can find your virtual account number on the card details screen in your Android Pay app.

My Android Pay purchases aren’t working

There are several reasons your Android Pay purchase may not be working:

  • You have not registered a card

    Make sure that you have an eligible and active Bendigo Bank card registered.

  • The payment is over $100

    The majority of retailers are set up to allow contactless payments over $100. However, not all retailers will accept Android Pay transactions for larger amounts. You may be asked to insert or swipe your plastic card.

  • You haven’t connected to the data network or Wi-Fi for a while

    For security reasons there is a limit to the number of payments your device can make without connecting to the data network or Wi-Fi. Just go online using Wi-Fi or your data allowance, then your ‘offline’ transaction allowance will be reset automatically.

  • The card reader does not accept contactless payments

    Not all retailers accept contactless payments yet. Please use another payment method such as your plastic debit or credit card.

If you’re still having problems, call the Bank on 1300 236 344 (1300 BENDIGO) for further assistance.

3. Manage Your Card

How do I change my default card for Android Pay transactions?

The first card you add to Android Pay will automatically become your default card.

You can change your default card two ways:

On your phone

Open the Android Pay app.

If you have multiple Google Accounts in Android Pay: At the top left, touch your name, then choose an account.

Double tap a card, then touch Set as default card.

Or touch and drag a card to the "Default card" spot at the top of the app's Home screen.

On the web

Sign in to accounts.google.com.

On the left, click Payment methods.

To the right of a card, click Set as default.

How do I remove a card?

There are two ways to remove a payment card:

On your phone

Open the Android Pay app.

If you have multiple Google Accounts in Android Pay: At the top left, touch your name, then choose the account you want to remove a card from.

Double tap the card you want to remove.

Scroll down, then touch Remove card.

On the web

Sign in to accounts.google.com.

On the left, click Payment methods.

To the right of the card, click Remove.

If I receive a replacement Bendigo Bank card, do I need to add my card again?

No, if you have retained the same card number, once you have activated your Bendigo Bank replacement card, your Android Pay Virtual Account Number will automatically be updated with your new card details.

If you receive a new card with a different 16 digit card number, you will need to add this as a new card and remove your old card.

Why is the card image in Android Pay different to my actual card?

There are several reasons why your Android Pay card image may differ from the one on your plastic card:

  • You may have a personalised card. If so, Android Pay will show a generic image of the card.
  • The card image for your plastic card has been updated. You may need to re-register the card in Android Pay to make the images match. However, the image shown does not affect the use of the card with Android Pay.

How do I update Android Pay if my card is lost or stolen?

Please call the Bank immediately. We will cancel your card and order you a replacement.

Once your card is cancelled, you will be unable to perform purchases with the associated Android Pay Virtual Account Number.

Once you have activated your replacement card you can load it into Android Pay and set it as your default payment card.

What happens if my phone is lost or stolen?

If your phone is lost or stolen, you can find, lock, or erase Android Pay using Googles Android Device Manager.

Since Android Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.

Important: Android Device Manager won't work for devices that are turned off or that don't have a Wi-Fi connection or mobile data connection with an active SIM card.

Alternatively, call the Bank on 1300 236 344 (1300 BENDIGO) and we'll suspend or delete your Android Pay Virtual Account Numbers.

You can still use your plastic card.

How do I update Android Pay if my device is updated or replaced?

If you replace or update your device, you’ll need to add your card(s) again to Android Pay using the same set up process as you did before.

Be sure to remove your card(s) from Android Pay if you no longer use the app or you sell your phone.

4. Security

Is Android Pay secure?

Using your Bendigo Bank cards with Android Pay is secure:

A maximum of three purchases can be made for amounts under $100 without needing to unlock your phone or enter your card PIN into the terminal.

Purchases over $100 require you to enter your card PIN into the terminal.

When you use Android Pay, your card number is never shared with the merchant or saved on your device.

Bendigo Bank monitors unusual activity across all your transactions 24/7.

And don’t forget, you are still protected by Visa and Mastercard’s Zero Liability Policies.

What card data is stored on the phone?

Android Pay doesn’t store your actual credit or debit card number. Instead we use a virtual account number to represent your account information — so your card details stay safe.

How do I keep my device and card details secure?

Contact us as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.

Register your device through your Google account. This will allow you to find, lock and delete details on your phone if it’s lost or stolen.

Never leave your device unattended.

Use appropriate security on your device such as passcodes and fingerprint recognition.
Only register your own fingerprint (if your device supports this feature).

Please be aware of unsolicited messages asking you to install software, to allow access to your devices or to reveal any personal or financial information.

Use anti-virus software, update it regularly and accept any updates to the Android OS.

Frequently Asked Questions for Merchants

Can I accept Android Pay on my eftpos or mpos device?

Yes, Android Pay can be accepted anywhere Mastercard and Visa contactless purchases are accepted today.

If you're not able to accept contactless payments on your terminal, please contact us on 1300 720 356 and we will look to upgrade your terminal.

Are there any fees to accept Android Pay payments?

There are no additional fees to accept Android Pay.

Do customers need to enter their PIN for the payment?

Like a card, Android Pay purchases under $100 do not need to be authorised.

However, purchases greater than $100 require the customer to unlock their device. The terminal may also prompt for a card PIN.

What is an Android Pay Virtual Account Number?

Android Pay doesn’t store a customer’s actual credit or debit card number. Instead it uses a virtual account number to represent the account information.

How do I perform a refund for an Android Pay purchase?

You can perform a refund using an Android Pay Virtual Account Number the same way you would for a plastic card.

When the eftpos terminal is ready, the customer can tap their device to the terminal and authorise by signing the merchant receipt.

Alternatively, if you know the Virtual Account Number you can key enter the refund. The Virtual Account Number can be found on the card details screen of the customers Android Pay app.

You can also process the refund using the customer’s plastic card.

What happens if I receive a charge back for an Android Pay purchase?

Android Pay purchases are treated in the same way as current Visa and Mastercard credit and debit transaction so you will have the same liability rules applied to Android Pay transactions.

For further information regarding your liability for contactless purchases please refer to your Merchant Terms and Conditions which can be found at Payment Merchant Services.

How do I promote that I can accept Android Pay?

We currently provide an “EFTPOS Available Here” door sticker that promotes the acceptance of contactless payments. If you would like a new door sticker please contact us on 1300 132 741.