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Google 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 Google Pay, PNC cardholders can start making purchases at many leading retailers with fingerprint authentication and without having to reach for their wallet.
Simplify Purchasing while Traveling
- By enrolling your eligible PNC commercial card in Google Pay, there’s no need to pull out your wallet when paying for travel related expenses.
- When you make a purchase using Google Pay, a substitute device account number and a transaction specific code are used to process payments instead of your card number. Your commercial card number is never shared with the merchant or stored by Google.
- When you make a purchase with Google Pay you still get all the benefits and protection that your PNC commercial card already provides.
- Your Google Pay transactions are covered by the same PNC security & privacy that protects your PNC commercial cards.
It’s easy to add a PNC commercial card to Google Pay. Simply download and open the Google Pay app on an eligible Google mobile device. To get started:
- You should contact your company’s program administrator to ensure your cardholder account profile is updated with your mobile device number.
- Once your account profile is updated, you can begin the enrollment process.
- To add your commercial card, either enter the required card information manually or hold the eligible Android over the card and use the device camera to capture it automatically. Validation of the card information will be completed before it is ready to use.
Pay in Stores
With Google Pay, you can pay in stores that accept contactless payments. Just look for the Google Pay or contactless symbols at checkout.
When you see the contactless symbols at checkout, hold your compatible Google 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 Google 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.
Google Pay Basics
What is Google Pay?
Google Pay is the new name / brand for existing Google payment products and replaces what was previously known as Android Pay.
To use Google Pay, cardholders must have an NFC-enabled Android device running the most recent version of software.
Where can I download the Google Pay app?
You can download the Google Pay app for eligible Android devices from the Google Play Store.
Will PNC support alternative mobile wallets like Samsung PayTM?
PNC supports the Apple, Samsung and Google mobile payments services for use within our commercial card portfolio.
How do I add my PNC card to Google Pay?
PNC cardholders using an eligible mobile device will use the Google Pay app to add and manage their commercial cards. To add your first commercial 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 debit or credit card enrolled with Google Wallet, you can import it into Google 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 Google 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 Google Pay on the mobile device.
How does the one-time passcode verification process work?
Upon selecting the one-time passcode option for verification purposes, the cardholder will receive a SMS text message on their mobile device that contains a six-digit verification number. Once this number is entered within Google Pay, a message will be displayed on the cardholder’s mobile device confirming that the card has been activated. A second enrollment verification text message will be sent to the cardholder’s mobile device confirming enrollment. Once confirmed, the card will be ready to use with Google Pay.
How do I verify my card for Google Pay?
For security reasons, cardholders will be asked to provide additional verification to activate their commercial cards within Google Pay. After entering the card account information, a screen will be displayed on the mobile device that provides two options for completing the verification process. Cardholders can choose either to utilize a one-time passcode or to contact a toll-free customer support number to provide additional information.
If cardholders choose to utilize the customer support number for verification purposes, what additional information will be required?
When contacting the customer support number to complete the verification process, cardholders will be asked to provide their four-digit authorization code and their mobile device number. The cardholder authorization code is established by the cardholder’s employer at the time of card issuance and may be the last four digits of their SSN or employee ID number. Prior to enrolling within Google Pay, cardholders must work with their company’s program administrator to ensure their mobile device number is added to their cardholder profile so that it can be validated during this process.Once completed, a verification text message will be sent to the cardholder’s mobile device confirming enrollment. Once confirmed, the card will be ready to use with Google Pay.
How do I use Google Pay?
To pay with a commercial card, you must unlock your mobile device, open the Google 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 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, 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.
Using Google Pay
Where can I use Google Pay?
Google Pay can be used at most merchant locations equipped with NFC-enabled contactless payment terminals. Google Pay can also be utilized for payment “in-app” or online wherever the “G Pay” symbol is displayed and a payment option.
Will I continue to earn rewards or points with my PNC commercial card using Google 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 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 that 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 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.” When you go to make a transaction with Google 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 Google Pay.
Managing Google Pay
Why do I need to verify my card with PNC when I add it to Google 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 Google 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 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 commercial card 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 commercial card 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 have it suspended 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 commercial card image in Google Pay is a digital representation of your physical PNC commercial card. The image you see in Google Pay may not be an exact copy of your PNC card.
Ready to Help
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.
Important Legal Disclosures & Information
Eligible mobile 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.
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.
Visa is a registered trademark of Visa International Service Association and used under license.
Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.
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