Google Pay – an easy and secure way to pay on the go

Frequently asked questions about Google Pay

Which devices support Google Pay?

All Android smartphones and tablets running Android Lollipop 5.0 or newer support Google Pay. Making payments at stores also requires that your phone has the NFC feature (Near Field Communication). You can check this in your phone’s settings. 

You can also use your smartwatch to pay with Google Pay. Wear OS by Google enables you to use your smartwatch to pay with Google Pay at store checkouts.

First you have to make sure your watch is compatible with Google Pay. To do this, check that your smartwatch comes with the pre-installed Google Pay app (you can contact the maker of your watch to find out if Google Pay is supported). Your watch must also be running the Wear OS by Google operating system (version 2.15 or newer).

The Google Pay payment feature on smartwatches works with iOS and Android phones. Check that you have the Wear OS app installed on your phone, as it syncs your card details between your phone and watch.

Do I need to download Google Pay -app to make payments with Google Pay?

Google Pay can be used without Google Pay -app. However, if you want to e.g. change your default card, you need the application so it is recommended to be installed. 

Can I use Google Pay on my smartwatch?

Yes, you can use your smartwatch to pay with Google Pay. Wear OS by Google enables you to use your smartwatch to pay with Google Pay at store checkouts.

1. On your watch, open the Google Pay app.
2. Set up a screen lock (if you haven’t already).
3. On your phone, follow the instructions on the Wear OS app. The process is the same as when adding a card to your smartphone.
4. Log in to Nordea Mobile and select your card. Then select “Settings”, then “Wearables and payment devices” and finally “Manage devices”. You will receive an activation request, which you will need to confirm with the Nordea ID app.
5. Once activated, your watch is ready to use for payments.

Do I need internet connection when paying in-store using Google Pay?

You don’t need. Paying is executed through payment terminals that support traditional contactless card payments. Just look for the contactless payment -symbol. 

Which payment cards I can use with Google Pay?

All Nordea consumer cards are available for Google Pay, as well as the corporate card Nordea First Card. For Finland also: Nordea Business Mastercard and Business Visa and the co-branded consumer cards Stockmann, Finnair Plus and Tuohi.

Can I pay with Google Pay if I don't have a NFC enabled cards?

Yes. With Google Pay you can also use your cards that don’t support NFC payments. 

How do I confirm payment?

You don’t specifically need to confirm your payment when paying in store – just open your phone and hold it close to the terminal. 

When paying online follow the instructions when using Google Pay at the checkout. 

Is it safe to use Google Pay?

Google Pay uses strong security features built-in to the hardware and software of your phone. Google cannot access your card details or disclose them to the merchants in connection with a payment transaction. 

It’s also safe to use a smartwatch to pay with Google Pay. If you take the watch off your wrist, you will need to unlock it before the next payment transaction. If you’re not wearing the watch, it can’t be used to make payments. The payment feature is only activated when the watch is on your wrist and you have unlocked it.

If you lose your phone or watch, third parties can’t see your card details or make payments with the device without identity verification. Remember to always use strong passwords or passcodes and avoid “1234” or “0000”, for example.

Read more about security

How does Google Pay differ from traditional NFC paying?

You can also pay purchases exceeding (Norway: NOK 200,- Finland: EUR2 5, Sweden: SEK 200, Denmark: DKK 350,-) Just unlock your phone and hold it near the contactless payment terminal. No need to verify each payment separately as long as the phone is unlocked.

Where and when payment is executed?

Your payments are charged similarly as when paying with your card. You will see your purchases immediately in your application.

I have a loyalty scheme attached to my card. Am I able to collect points also when paying with mobile?

Unfortunately, in most cases Google Pay doesn’t support Nordic loyalty schemes attached to payment cards. However, this is dependent if the company providing loyalty scheme has developed a separate solution for this. Please ask your loyalty scheme provider for more information.

What should I do if my phone gets lost?

Android Device Manager ( www.google.com/android/devicemanager ) will help you find, lock, and erase your phone. Also, you can simply search “Find my phone” and Google will show you where it is on a map. There’s no need to cancel your credit card. 

In addition, please remember that Nordea 24/7 Customer Service is always ready to help you if your phone or card is lost. 

Is there an age limit for using Google Pay?

Google has set the age limit at 16 years. If you are a minor, you will need your parents’ or guardians’ permission to use Google Pay.