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Download the Google Pay app from the Google Play Store.
With Google Pay™, you can now use your supported Google mobile device to make purchases at over a million merchant locations nationwide without even reaching for your wallet.
Google Pay is a convenient new way to make purchases using your PNC credit, debit cards and SmartAccess® cards on any eligible Android device. Reaching for your wallet will become a thing of the past as you breeze through the checkout lanes with virtually just a wave of your phone.
Download the Google Pay app from the Google Play Store to get started.
Does PNC support Google Pay?
Yes. PNC customers can now add PNC Visa consumer and small business debit and credit cards, as well as SmartAccess® cards, to Google Pay (formerly called Android Pay). PNC commercial cards can also be added to Google Pay. PNC MasterCard® credit cards are not eligible at this time. You can add an unlimited number of cards to Google Pay.
Do I need to do anything now that Android Pay has changed its name to Google Pay?
No. The next time you updated your Android Pay app, it will become Google Pay. Any PNC credit, debit or SmartAccess cards you have added to Android Pay will automatically appear in Google Pay. For additional details on this change, please see the Google Pay website.
Where can I download the Google Pay app?
You can download the Google Pay app for eligible Android devices here.
What mobile devices are eligible for GooglePay?
To use GooglePay, customers must have an NFC-enabled Android device running Android OS 4.4 (KitKat) or higher. The following devices running KitKat are not eligible for Google Pay because they lack an NFC antenna:
How do I add my PNC card to Google Pay?
PNC customers using an eligible Android mobile device will use the Google Pay app to add and manage their credit, debit and SmartAccess cards. To add your first card to Google Pay, you will open the Google Pay app and select the “Add Credit or Debit Card” option from the menu under the (+) button in the bottom right corner of the screen. If you already have a PNC card enrolled with Google Wallet, you can import it into Google Pay as your first card simply by selecting it from the on-screen list and confirming the security code on the back of your card.
To add a new or second PNC card to Google Pay, select the “Add Another Card” option and use the device camera to capture your card information or type it in manually. Some customers may also be required to verify the card they added to Google Pay by logging into the PNC Mobile app when prompted. Once verified with PNC, your debit or credit card will be ready to use with Google Pay on your mobile device.
How do I verify my card for Google Pay?
For security reasons, you may be asked to provide extra verification of your identity to activate the cards you’ve added to Google Pay. To verify your card, simply tap on the desired card within the Google Pay app to view the card detail page and select the “sign into card issuer’s app” option. This will direct you to the PNC Mobile app, or the Google Play store if you do not have the app already installed. Once you log in using your Online Banking credentials, you will be guided through the verification process. Once completed, you card will be ready to use with Google Pay.
Please note that the self-service verification option using the PNC Mobile app is not available for customers who only have a business credit card with PNC.
How do I use Google Pay?
When making in-store purchases with Google Pay, simply unlock your mobile device using your fingerprint, PIN, pattern or passcode and hold it near the NFC-equipped payment terminal. You do not need to open the Google Pay app to initiate the transaction. The payment will automatically be processed using your default card. To pay with a card other than your default card, prior to making a payment you must unlock your mobile device, open the Google Pay app, tap the card you would like to pay to view the card details screen and select the option “Set as default card.”. This will make the selected card your new default card. When you attempt to make a purchase with Google Pay, you will now be able to complete your purchase using the desired card.
Your experience with Google Pay may vary by merchant. If asked to verify the last four digits of your card number when making a purchase, provide the merchant with the last four digits of the device account number. This number can be found by opening the Google Pay app and selecting the desired card to view the detail page. You may also be asked to provide a signature or debit card PIN to complete your transaction.
How will Google Pay keep my information protected?
With Google Pay, your card information is never stored on the physical device or shared with the merchant. When you make a purchase, a digital account number along with a dynamic, transaction specific code is used to process your payment. This means that your actual credit or debit card number is never transmitted with the payment to the merchant.
Where can I use Google Pay?
Customers can use Google Pay at most merchant locations equipped with NFC-enabled contactless payment terminals.
Will I continue to earn rewards or points with my PNC debit or credit card using Google Pay?
If you are in a rewards program, you will continue to earn rewards or points for purchases made using your physical card, or through your card(s) enrolled in Google Pay.
What if I need to return an item I purchased using Google Pay?
The return process will vary by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Google Pay device over the contactless payment terminal and wait for a vibration to confirm the return has been processed. You must use the same Google Pay enabled device you used to purchase the item to process the return.
Can I use Google Pay on my Android Wear device?
Google Pay is not available on Android Wear devices at this time.
Can I use a card other than my default card to make a purchase?
To pay with a card other than your default card, prior to making a payment you must unlock your mobile device, open the Google Pay app, tap the card you would like to pay to view the card details screen and select the option “Make Default”. This will make the selected card your new default card. When you go to make a transaction with Google Pay, you will now be able to complete your purchase using the desired card.
Why do I need to verify my card with PNC when I add it to Google Pay?
For security purposes, you may be asked to call PNC or use the PNC Mobile Banking app to verify your PNC debit or credit card when adding it to Google Pay.
What should I do when I receive a replacement card?
When a PNC credit or debit card enrolled in Google Pay expires or is replaced due to loss, theft, fraud or chip card upgrade, PNC will automatically update your card information in Google Pay within two (2) business days from when your replacement card is activated. To update Google Pay immediately and not wait the two (2) business days for the automatic update, manually remove the existing card and add the new card to the Google Pay app.
What happens if I replace, update or lose my Google Pay mobile device?
If you replace or update your mobile device, your PNC debit and credit card(s) enrolled in Google Pay will not be automatically transferred to the new device. You will need to set up Google Pay again and add your cards to the new device.
If your Google Pay device is ever lost or stolen, you can use Android Device Manager to remotely suspend or delete your PNC debit and credit cards from Google Pay, or call PNC using the number found on the back of your card to suspend it for you. You can continue to make purchases using your physical card even when the device account number is suspended on Google Pay.
Why does my card image in Google Pay look different from my physical card?
Your card image in Google Pay is a digital representation of your physical PNC credit or debit card. The image you see in Google Pay may not be an exact copy of your PNC card.
How do I remove a card from Google Pay?
To remove a card from Google Pay, simply select the card in the Google Pay app and tap the “Delete Card” option on the detail page. After deleting, you can re-add this card to Google Pay at any time.
Google Pay is accepted at over one million stores across the US. When you're ready to check out, look for the Google Pay or contactless payments symbol where you normally swipe your card.
When you see one of these symbols at checkout, hold your Android device in front of the secure reader to initiate your payment. The contactless reader communicates wirelessly with your phone, so all you need to do is tap, pay and you’re done.
PNC MasterCard® and commercial credit cards are not eligible at this time.
Eligible Android devices must have an NFC antenna to be eligible. Please refer to the list of eligible devices in the "What mobile devices are eligible for Google Pay?" question and answer in Google Pay Basics above.
PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.
Visa is a registered trademark of Visa International Service Association and used under license.
Google Pay is a trademark of Google Inc.
Google Play and the Google Play logo are trademarks of Google LLC.
Android Pay is a trademark of Google LLC.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
SmartAccess is a registered trademark of The PNC Financial Services Group, Inc.
MasterCard® is a registered trademark of MasterCard International, Inc.