Pay contactless with your phone (2024)

You can use your phone to pay for goods or services with Google Wallet.

Where you can use Google Wallet

Important:

  • Near Field Communication (NFC) must be turned on to make contactless payments. To turn on NFC, check your phone settings app.

To pay contactless on Pixel Fold oranother foldable device, fold your device.

You can pay with Google Wallet wherever you find the contactless or Google Pay symbols. They're located on the payment terminal screen or cash register at checkout.

You can buy items with your phone or pay for public transport on trains and buses on contactless terminals with either of these logos:

Check your contactless payment setup

  1. Open the Google Wallet app Pay contactless with your phone (3).
  2. At the top right, tap your profile picture or account Pay contactless with your phone (4) Pay contactless with your phone (5) Pay contactless setup.
  3. Check if you're ready to make contactless payments. To pay contactless with Google Wallet:

If all these requirements are met, your phone is ready to make contactless payments.

Set up pay contactless

Set up a payment method for contactless transactions

To set up contactless payments, add one or more payment methods to Google Wallet.

  1. Open the Google Wallet app Pay contactless with your phone (6).
  2. At the top, tap the card that you want to use. You may need to swipe to find it.
  3. Check the message above your card:
    • If there's no message, your card is ready to tap and pay.
    • 'Card not set up' Pay contactless with your phone (7). To make contactless payments, above your card tap Finish setup. Follow the on-screen instructions and verify your payment method.
    • 'Contactless disabled' Pay contactless with your phone (8). Your phone either doesn't support NFC or has it turned off. You must have NFC turned on to make contactless payments.
    • 'Card suspended' Pay contactless with your phone (9). There's an issue with your card. To fix it, contact your bank.

Pay in a shop

Step 1: Wake up and unlock your phone

Important: For users with a Pixel 7 or Pixel 7 Pro, Face Unlock is currently not supported for contactless transactions.

Turn on your screen, then unlock your phone. You don't need to open the Google Wallet app.

Tip: In most countries or regions, smaller transactions don't require you to unlock your phone.

Step 2: Hold the back of your phone to the payment reader

When you're done paying, a blue tick will appear on the screen.

If the tick isn't on your screen:

  • Try to hold your phone in a different way. Your NFC antenna could be near the top or bottom of your device.
  • Hold your phone closer to the payment reader.
  • Hold your phone to the payment reader for a few extra seconds.

If there's a tick but the cashier says that the payment didn't work:

  • Double-check that the shop accepts mobile payments.
  • Contact your bank. There may be an issue with your card and your bank may have declined the transaction. If the transaction is declined, you aren't charged.

How to pay contactless

Pay contactless with your phone (10)

Step 3: If prompted, follow the on-screen instructions

Some shops ask for a PIN or signature. If you're asked, follow the steps on the screen.

  • Debit cards: Enter the PIN that you set up with your bank. This PIN is different from the one that you use to unlock your device.
  • Credit cards: For larger transactions, sign the receipt or the on-screen signature box.

Use a different payment method

To pay with a different card, you can change your default payment method.

Return something that you bought in a shop

  1. Bring your receipt and item to the shop.
  2. If asked to swipe your card, hold the back of your phone to the contactless payment terminal.

For some returns, you might have to provide the last four digits of your virtual account number:

  1. Open the Google Wallet appPay contactless with your phone (11).
  2. At the top, tap the card that you used for the purchase. To find it, you may need to swipe from right to left.
  3. Tap DetailsPay contactless with your phone (12)Virtual account number.

The retailer should tell you when to expect your refund.

Related resources

Still need help?

If you still have issues or any questions, you can ask the community or contact us.

Pay contactless with your phone (2024)

FAQs

Pay contactless with your phone? ›

Pay with a tap at stores worldwide

Hold your Android device near the card reader and wait for the checkmark. Pay with your default card or select another. Google Pay will handle the rest.

Can I use my phone for tap to pay? ›

Pay with a tap at stores worldwide

Hold your Android device near the card reader and wait for the checkmark. Pay with your default card or select another. Google Pay will handle the rest.

Can you use your phone as a contactless card reader? ›

With Tap to Pay on Android, you can accept contactless debit and credit cards (Visa and Mastercard) as well as Apple Pay, Google Pay and other digital wallets.

Is it safe to use your phone for contactless payment? ›

You don't have to worry about carrying physical cash. It's secure. Your card's details aren't stored on your phone but in the digital cloud, so thieves can't access your details even if they've got access to your phone.

How to Pay contactless with phone? ›

To pay in stores using your phone, you'll need to make sure Google Pay is downloaded and set up on your phone first. Get the Google Pay app on your Android phone. It only takes a few minutes to set up Google Pay on your phone. You'll need your credit or debit card info handy to get the app set up.

How do I use my phone as a tap card? ›

How do I add a TAP card to my Android phone to use it to tap and pay? In the TAP app, sign in or create a TAP account. In the Cards section, press (“add card” icon) in the top left. Press “Add a TAP Card on Your Phone.”

Which phones support contactless payment? ›

What Android devices are compatible with Tap and Pay?
  • Samsung - Galaxy S8, Galaxy S8+, Galaxy S9, Galaxy S9+ and Galaxy S10, S10 G5, S10+, S20, S20+, S20 Ultra.
  • LG - Almost all of LG's smartphone models from 2014 have NFC chips except Q6 (2017) and K11 (2018).
May 19, 2023

Can I take card payments with my phone? ›

Yes, you can accept credit card payments using a phone. Mobile payment services, such as Stripe, offer businesses this capability. Typically, these platforms have a versatile app that handles the transaction process and helps with additional tasks such as issuing customer receipts and tracking sales.

What is one disadvantage of using contactless payments? ›

Because contactless payments require neither PIN nor signature authorisation, lost or stolen contactless cards can be used to make fraudulent transactions.

Is it safer to pay with your phone or credit card? ›

In general, digital wallets are considered much safer than using physical credit cards, which can be more easily lost or stolen.

Is contactless safer than chip and pin? ›

Contactless payments are secure. You enjoy the same 100% fraud protection on contactless payments as your normal Chip & PIN transactions. For security purposes, you'll occasionally be asked to enter your PIN when making a contactless payment.

How do I know if my phone has tap to Pay? ›

Check your tap to pay set up
  1. Open the Google Wallet app .
  2. At the top right, tap your profile picture or Account. Tap to pay setup.
  3. Check if you're ready to make contactless payments. To tap to pay with Google Wallet: Near field communication (NFC) must be turned on.

Can you use your iPhone for tap to Pay? ›

Tap to Pay on iPhone allows you to use your iPhone to accept contactless payments from a customer's mobile device or contactless card through an enabled app. To enable Tap to Pay on iPhone, sign in with the Apple ID you use as a merchant.

Can I use my phone to take card payments? ›

Mobile payment systems often require less expensive hardware than traditional POS systems. Some providers even offer free card readers to new customers. Accepting payments on your phone also means being able to accept contactless NFC payments using enabled cards and digital wallets.

Can I accept tap payment on my phone? ›

Tap on Phone allows businesses to accept payments from any contactless card or mobile wallet right from their NFC-enabled device. With no extra hardware required, businesses can take advantage of this on-the-go solution to enable quick and convenient payment options.

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