Android Pay™ is a convenient mobile payments service that enables PNC’s commercial cardholders to use their eligible Android device to make purchases almost anywhere they can swipe or tap their card. By adding their commercial card to Android Pay, PNC cardholders can start making purchases at many leading retailers with fingerprint authentication and without having to reach for their wallet
It’s easy to add a PNC commercial card to Android Pay. Simply download and open the Android Pay app on an eligible Android mobile device. To get started:
With Android Pay, you can pay in stores that accept contactless payments. Just look for the Android Pay or contactless symbols at checkout.
When you see the contactless symbols at checkout, hold your compatible Android device in front of the secure reader to send your payment. If the merchant uses a traditional magnetic card stripe reader, just place the back of your Android Pay device against the area where you would typically swipe your card. A message on the payment terminal will let you know your payment was successful. The contactless reader communicates wirelessly with your phone, so all you need to do is wave, pay and go.
Does PNC support Android Pay?
Yes. PNC commercial cardholders can now add their PNC commercial cards to Android Pay. You should contact your company’s program administrator to ensure that your cardholder account proﬁle is updated with your mobile device number. Once your account proﬁle is updated, you can begin the enrollment process.
To use Android Pay, cardholders must have an NFC-enabled Android device running the most recent version of software.
Where can I download the Android Pay app?
You can download the Android Pay app for eligible Android devices from the Google Play Store.
Will PNC support alternative mobile wallets like Samsung Pay™?
PNC supports the Apple, Samsung and Android mobile payments services for use within our commercial card portfolio.
How do I add my PNC card to Android Pay?
PNC cardholders using an eligible Android mobile device will use the Android Pay app to add and manage their commercial cards. To add your first commercial card to Android Pay, you will open the Android 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 debit or credit card enrolled with Google Wallet, you can import it into Android Pay as your default 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 card to Android Pay, select the “Add Another Card” option and use the device camera to capture your commercial card information or type it in manually. Once verified with PNC, the commercial card will be ready to use with Android Pay on the mobile device.
How do I verify my card for Android Pay?
For security reasons, cardholders will be asked to provide extra verification to activate the commercial cards added to Android Pay. An SMS text message will be sent to the cardholder’s mobile device with instructions to contact a toll-free customer support number to provide additional information. Once completed, an enrollment verification text message will be sent to the cardholder’s device confirming enrollment. Once confirmed, the card will be ready to use with Android Pay.
How do I use Android Pay?
To pay with a commercial card you must unlock your mobile device, open the Android Pay app, tap the commercial 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 commercial card your new default card. When you attempt to make a purchase with Android Pay, you will now be able to complete your purchase using the desired card.
Your experience with Android 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 Android 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 Android Pay keep my information protected?
With Android Pay, commercial card information is never stored on the physical device or shared with the merchant. When a purchase is initiated, a digital account number along with a dynamic, transaction specific code is used to process the payment. This means that the actual commercial card number is never transmitted with the payment to the merchant.
Where can I use Android Pay?
Android Pay can be used at most merchant locations equipped with NFC-enabled contactless payment terminals.
Will I continue to earn rewards or points with my PNC commercial card using Android Pay?
If currently enrolled for rewards benefits through your company’s commercial card program, you will continue to earn rewards or points for purchases made using your physical card, or through your card enrolled in Android Pay.
What if I need to return an item I purchased using Android 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 Android Pay device over the contactless payment terminal and wait for a vibration to confirm the return has been processed. You must use the same Android Pay enabled device you used to purchase the item to process the return.
Can I use Android Pay on my Android Wear device?
Android 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 Android Pay app, tap the card you would like to pay to view the card details screen and select the option “Make Default.” When you go to make a transaction with Android Pay, you will now be able to complete your purchase using the desired card. Your PNC commercial card should not be established as your default card within Android Pay.
Why do I need to verify my card with PNC when I add it to Android Pay?
For security purposes, you will be asked to call a toll-free customer service support number to verify your commercial card when adding it to Android Pay and to complete your enrollment. This is done to confirm your identity and protect your personal information.
What should I do when I receive a replacement card?
When a PNC commercial card enrolled in Android Pay expires or is replaced due to loss, theft, fraud or chip card upgrade, PNC will automatically update your card information in Android Pay within two (2) business days from when your replacement card is activated. To update Android 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 Android Pay app.
What happens if I replace, update or lose my Android Pay mobile device?
If you replace or update your Android mobile device, your PNC commercial card enrolled in Android Pay will not be automatically transferred to the new device. You will need to set up Android Pay again and add your commercial card to the new device.
If your Android 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 Android 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 Android Pay.
Why does my card image in Android Pay look different from my physical card?
Your commercial card image in Android Pay is a digital representation of your physical PNC commercial card. The image you see in Android Pay may not be an exact copy of your PNC card.
How do I remove a card from Android Pay?
To remove a card from Android Pay, simply select the card in the Android Pay app and tap the “Delete Card” option on the detail page. After deleting, you can re-add this card to Android Pay at any time.
At PNC we combine a wider range of financial resources with a deeper understanding of your business to help you achieve your goals. To learn more about how we can bring ideas, insight and solutions to you, please contact your Relationship Manager.
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 Android Pay?” question and answer in Android Pay Basics above.
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.
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Android Pay is a trademark of Google Inc.
The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.