FAQ
General
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What is Google Wallet?
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Google Wallet is a virtual wallet that securely stores your credit and debit cards,
offers, and rewards cards. You can tap your phone to pay in-store using Google Wallet
anywhere contactless payments are accepted. You can pay online by signing into your
Google Wallet account.
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Where can I use the Google Wallet app?
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Currently, you can use Google Wallet in-store anywhere contactless payments are
accepted, at over 200,000 merchants across the United States.
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How much does it cost to use the Google Wallet app?
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Google Wallet does not charge a fee to consumers to use Google Wallet in-store or
online.
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In what countries is the Google Wallet app available?
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The Google Wallet app is available in the United States on certain eligible
devices and carriers.
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Payments
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What payment cards can I add to Google Wallet?
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Google Wallet allows you to store all major credit and signature debit cards from
VISA®, MasterCard®, American Express®, and Discover®. If you’ve ever bought an app or
song from Google Play, or if you’ve ever used Google Wallet online, these cards will
also appear in the mobile app.
Learn more.
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Will I continue to earn loyalty or rewards benefits from my credit and debit cards?
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You should continue to earn rewards points for purchases through your card issuer’s
credit or debit card rewards program (such as gas, grocery, and restaurants
purchases, and overall spending), if applicable. Certain benefits and rewards may not
be applied when using Google Wallet, such as merchant specific rewards (e.g. double
points at a specific merchant with a specific card). Applicability of rewards and
other benefits (such as purchase protection or insurance) will be decided by your
card issuers and not Google Wallet.
Learn more.
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How does the Google Wallet mobile app transmit payment details?
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The Google Wallet mobile app uses Near Field Communication (NFC), a secure, wireless
connection to transmit payment details to the merchant.
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What are linked credit or debit cards?
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When you activate your credit or debit cards in Google Wallet, they are linked to
your Google Wallet account upon set up. Linked credit or debit card credentials are
not locally stored on the phone, but rather stored online.
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What happens when I pay using a linked credit or debit card?
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When you setup credit or debit cards in the Google Wallet mobile app, you will be
issued a virtual prepaid MasterCard card, by its partner Bancorp. When you pay
in-store by tapping your phone, Google Wallet passes the virtual card to the merchant
for payment, and charges your selected credit or debit card for the purchase. Your
credit or debit cards are linked to your Google Wallet account, which in turn is
connected to your virtual prepaid MasterCard card.
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Are my linked credit and debit card numbers passed to the merchant?
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No, only the virtual prepaid MasterCard card information is passed to the merchant.
Please note that for some cards, such as the Google Prepaid and some Citi
MasterCards, the card information is passed directly to the merchant.
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Can I use any of my cards to pay with Google Wallet – even if they aren’t credit or
debit cards?
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At this time, you can pay with Google Wallet using any of your credit or debit cards.
However, you cannot pay with any specialized cards, such as merchant-specific gift
cards, Flexible Spending Account (FSA) cards, and other single-purpose cards.
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How is paying in-store different than paying online?
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When paying in-store by tapping your phone, Google Wallet passes the virtual prepaid
MasterCard card to the merchant for payment, and then charges your selected credit or
debit card for the original amount of the purchase. (For some users that pay in-store
with a Citi MasterCard or the Google Prepaid card, these credentials are passed
directly to the merchant.) When paying online, at merchants that accept Google
Wallet, your selected credit or debit card is charged directly. For all transactions
using Google Wallet (in-store and online), the Google Wallet Terms of Service will
apply. For any payments occurring in-store using the Google Wallet mobile
application, the Google Wallet Virtual Card Terms of Use will also apply, in addition
to the terms and conditions of the issuer of the credit or debit card you selected
for the transaction. For online transactions, the terms and conditions of your
selected credit or debit card will apply.
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Are there instances where paying with Google Wallet won’t work?
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As mentioned, Google Wallet should work in stores wherever contactless payments are
accepted. In certain instances, the contactless hardware at the merchant location may
be old or mal-functioning, and may not work. Also, there are a few exceptions where
Google Wallet may not work, depending on the merchant type, ticket size, or category
of product sold. For instance, Google Wallet has a daily spending limit of $1,000. In
any of these instances, if you get an error, simply pay using your regular credit or
debit card. Finally, Google reserves the right to restrict use of the card at its
discretion.
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Will Google Wallet work with cards issued outside of the United States?
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No. Google Wallet is currently available in the United States, and will not work with
cards issued in any other country or currency.
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Security and Privacy
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What if my phone with Google Wallet is lost or stolen?
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You can disable Google Wallet on your lost or stolen device, preventing payments
using your linked credit or debit cards, by signing into the Google Wallet online management center or by
calling customer service. If Google Wallet can connect to your device, it will
remotely reset the application, clearing it of payment and transaction data. If you
have a Google Prepaid Card or Citi MasterCard, you should also call the issuing banks
of these cards to block your accounts.
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Is it possible to remove all cards and data from the Google Wallet app on my phone?
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Yes, you can reset Google Wallet and remove all payment credentials and transaction
data via the Settings menu.
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How does Google Wallet protect my payment credentials?
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Google Wallet stores your credit and debit cards online on secure servers. Your
Google Wallet device has a chip called the Secure Element that stores encrypted
payment card information. Linked credit or debit card credentials are not stored on
the Secure Element -- rather, the virtual prepaid MasterCard card created during
setup is stored on the Secure Element, and Google Wallet does not pass credit or
debit card credentials you store online to the merchant. Credentials for the Google
Prepaid Card and some Citi MasterCard cards are stored on the Secure Element and
passed directly to the merchant. The Secure Element is isolated from your phone’s
main operating system and hardware. Additionally, because Google Wallet enforces a
PIN, the only way to transmit payment credentials is if you first enter the PIN. Your
phone’s screen must also be on.
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What is the Secure Element and how secure is it?
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The Secure Element has many features designed to protect the security of the data it
stores. It’s separate from the phone’s main operating system and hardware, which
enables encrypted protocols to enforce access control. Only authorized programs like
Google Wallet can access the Secure Element to initiate a transaction. There are
multiple levels of protection for data stored on the Secure Element and it is
protected at the hardware level from snooping or tampering.
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Could a malicious application access my credit card on the Secure Element?
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Both the Android platform and the Secure Element are designed to prevent this from
happening. Android enforces strict access policies so that malicious applications
won’t have access to data stored by Google Wallet. Even Google Wallet itself has very
limited access to the Secure Element, and cannot read or write data from its memory.
There are multiple levels of protection for data stored on the Secure Element and it
is protected at the hardware level from snooping or tampering.
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If someone gets close to my phone, could they read sensitive data from my Google
Wallet?
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The NFC antenna in your phone is only activated when the screen is powered on, and
even if the antenna is on and in proximity of a reader, payment credentials can only
be transmitted from the Secure Element to a payment terminal after you have entered
your Google Wallet PIN.
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Am I liable for unauthorized transactions made using Google Wallet?
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If you would like to dispute an in-store transaction made using a linked credit or
debit card in your Google Wallet, authorized or unauthorized, please call us and we
will work to resolve the issue. You also have refund or other rights under your
agreement with the issuing bank of your linked debit or credit card. Contact the
issuing bank and the agreement governing your card account for more information. Many
banks apply a $0 liability policy for unauthorized use.
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What data does Google Wallet store about my purchases?
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For your convenience, Google Wallet records information about your purchases, such as
merchant, amount, date and time, method of payment, and, optionally, geolocation. You
can view your Transaction History in the mobile app and in the online management
center.
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Can or should I install Google Wallet on a rooted phone?
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No, we do not support Google Wallet on rooted phones.
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Offers
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What are Google Offers?
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Google Offers are deals on products and services at local or online businesses. You
can learn more about our beta trial of "Offers of the Day" at www.google.com/offers.
We are also testing other types of offers in different Google products, including
Google Search and Google Maps.
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How do I redeem Google Offers?
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At most stores, simply show your offer to the cashier at checkout. The cashier will
either scan the offer’s barcode or manually type it in. At a small but growing number
of Google SingleTap™ merchants, you can pay for your purchase and redeem your offer
in a single tap.
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What are Featured Offers?
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Featured Offers are discounts that are exclusive to Google Wallet and can be
discovered in the Offers tab of the app and redeemed with NFC. All Google Wallet
users can redeem featured offers at select SingleTap™ merchant locations within New
York, San Francisco, Los Angeles, Chicago, and Washington DC. At present, these
merchants include American Eagle Outfitters, The Container Store, Jamba Juice, and
Macy’s. For a specific set of stores in your area, please search our merchant map.
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What are Nearby Offers?
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Nearby Offers are discounts shown to Google Wallet users from a wide range of local
businesses that are near the user’s location. At most stores, users can redeem Nearby
Offers by simply showing their offer to the cashier at checkout. The cashier will
either scan the offer’s barcode or manually type in the offer code.
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Merchants
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Do brick-and-mortar merchants pay card-present or card-not-present rates for
transactions made via Google Wallet?
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Merchants pay card-present rates for all purchases made using Google Wallet,
regardless of the user’s selected card.
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What is a Google SingleTap™ merchant?
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Many retailers are partnering with Google to become Google SingleTap™ merchants,
which means that consumers will be able to pay, redeem offers, and earn loyalty
points - all in one tap of a phone.
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How can I save my own offers to Google Wallet?
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Please see our “save to wallet” API, available in beta here.
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Partners
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What kinds of companies can partner with Google for Google Wallet?
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Google partners with many kinds of companies for Google Wallet, including Issuing
banks, payment networks, point of sale systems, semiconductor companies, mobile
handset manufacturers, mobile operators, and merchants.
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How does a company partner with Google Wallet?
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If you’re a business interested in partnering with Google Wallet, contact us. You may
also learn about our Save to Wallet
APIs here.
General
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What is Google Wallet for online commerce?
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Google Wallet for online commerce is a virtual wallet that stores your payment
information securely and makes paying fast both in-store and online. At select
merchants, consumers can sign into a merchant’s website with their Google credentials
so they don’t have to create multiple logins, usernames, or passwords everywhere they
shop. You can manage your Google Wallet account and view all of your Google Wallet
transactions at wallet.google.com/manage.
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Where can I use Google Wallet?
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You can pay with Google Wallet at any online retailer where Google Wallet is
accepted. In addition, you can use Google Wallet to make purchases on Google sites
such as Google Play, Chrome Web Store, Google+ Games, Google Offers and more.
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How much does it cost to use Google Wallet?
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Nothing. Google Wallet is free to shoppers, whether used in-store or online.
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Can I redeem Offers and earn rewards points when I checkout with Google Wallet
online?
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Not at this time.
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Will I still qualify for credit card rewards points and benefits when making
purchases through Google Wallet online?
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In some cases, you may not earn certain reward points and benefits for purchases
through your card issuer’s credit or debit card rewards program (such as overall
spending and purchase protection or insurance). Keep in mind that for purchases where
Google Wallet facilitates the payment and then charges your registered card, the
amount charged to your registered card is charged by Google Wallet and not by the
merchant where you make a purchase. Rewards and benefits, if applicable, will be
decided by your card issuers. Your card issuer (not Google Wallet or The Bancorp
Bank) determines and is responsible for whether rewards points or other benefits
apply to these purchases. If you receive additional rewards when shopping at a
specific merchant, in some cases these benefits may not be applied when using Google
Wallet. Please contact your card issuer for questions on any rewards program
associated with your registered card.
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Payments
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How do I create a Google Wallet account?
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When you click on any Google Wallet button for the first time, you will be prompted
to set up a Google Wallet account. You can also visit wallet.google.com/manage to create your Google
Wallet account. If you already have a Google Account, you simply need to sign in and
setup your Google Wallet account. If you don't have a Google Account, click on 'Sign
up for a new Google Account' to get started.
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What payment options will Google Wallet support?
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Google Wallet supports all major credit and signature debit cards for online
purchases. Additionally, for some purchases on Google Play, you can pay directly
through your mobile carrier.
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If I already have a Google Checkout account, do I need to create a new Google Wallet
account?
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No, your Google Checkout account has automatically transitioned to a Google Wallet
account.
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Can I use Google Wallet to purchase online with a mobile device?
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Yes. If you’re on a mobile site that accepts Google Wallet, you can simply choose to
pay via Google Wallet and will be taken through the online purchase process. You do
not have to download the Google Wallet mobile app.
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Security and Privacy
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Is this more secure than just entering my credit card information on the merchant
website?
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Yes! We are issuing a one-time use debit prepaid card issued by The Bancorp Bank that
cannot be reused. This way, we never share your full credit or debit card information
with merchants. Your purchase receipt will show the one-time
card number.
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Am I liable for unauthorized transactions on credit cards stored with Google Wallet?
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The same rules that apply to unauthorized use of your plastic credit card, apply to
unauthorized use of a credit card stored in your Google Wallet account. You should
contact your credit card issuing bank to report any unauthorized transactions.
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How does Google Wallet protect my payment credentials?
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All communications with Google and the merchant are encrypted with industry-standard
SSL (secure socket layer) technology. Your credit card information, which is stored
in a single location on our secure servers, is only accessed when needed to complete
transactions. Google will not share your personal information except under the
limited circumstances described in the Google Wallet Privacy Notice and
Privacy Policy.
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Merchants
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As an e-commerce merchant, what is Google Wallet for online commerce?
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Google Wallet for online commerce is a free service* that allows merchants to process
frictionless payments for mobile and e-commerce transactions. This service lets users
pass their payment instrument details, shipping address, and other information stored
within their Google Wallet to a merchant in the context of the merchant’s mobile web
payment flow. The merchant can then use this information to process the transaction
via their existing credit card infrastructure.
*Free service means Google Wallet will not charge merchants anything to use this.
Merchants still pay standard processing charges to their processor.
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Why should I use Google Wallet for online commerce?
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Google Wallet for online commerce provides an easy payment flow for both online and
mobile sites. You do not have to change your current payment processor and are just
improving the user experience. Single sign on reduces the friction of
registering/login to the site. This can improve your conversion rate because
consumers who use Google Wallet for online commerce do not have to re-enter their
payment information every time they shop.
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How long does it take to integrate Google Wallet?
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The integration is extremely easy -- most of the work is to integrate a simple code
library on your website. No complex server side work is required, and your
back-office systems aren’t affected.
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Who processes the transaction?
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The merchant processes the transaction. A Google
Wallet Virtual OneTime Card will be generated and sent to the merchant to
complete the purchase via the merchant’s regular credit card processing systems.
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What will the user actually see on their statement once a transaction is processed
via Google Wallet for online commerce?
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The user will see “GOOGLE*”. The merchant’s supplied description is the name that’s
currently provided by the merchant’s acquiring bank.
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What are the characteristics of a Virtual OneTime Card?
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Bancorp issues a Virtual OneTime Card Number for each transaction. There are several
security measures for this:
- Can be used only by the merchant that makes first authorization on the card.
- Transaction limit: order amount + 15% (to account for increased transaction
size due to extra shipping charges, etc.)
- Expiration: end of month + 60 days.
- One time card allows for multiple authorization or settlements, as long as they
are associated with the same purchase, and are done before the one-time card
expires (end of month + 60 days)
- Authorizations, captures, refunds, and chargebacks all work as usual
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Why have Virtual OneTime Card Numbers?
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This approach offers several benefits to merchants and users:
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Increased security: If the one-time card number is compromised, a user can
do limited damage. Google users expect Google to not share their financial
information.
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Simplified technical integration: sharing virtual one-time card numbers
allows Google to dramatically simplify merchant integration (eliminating complex
encryption, dedicated keys, direct connection between Google and merchant's data
bunkers).
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How will I continue to manage my orders?
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You will continue to manage your orders through your current payment processing
system.
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What payment information does Google pass from the customer and the merchant during a
transaction?
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Google will pass the following details associated with the one-time use debit prepaid
card issued by the Bancorp Bank to the merchant: name, full credit card number, CVC,
expiration date, billing address and phone number. Google will also send the e-mail
address of the user and a shipping address if relevant. Google will also pass the
last 4 digits of the customer's real card to the merchant.
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Will the one-time card allow only one Authorization or Capture?
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No. One-time card allows for multiple authorizations or captures (for example, in
case of split shipments) as long as they are associated with the same purchase, and
are done before the one-time card expires (end of month + 60 days).
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Who do I contact to get started?
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Please contact
us to get started setting up Google Wallet for your site.