Google Pay

Mobile Wallets make purchases on the go fast and easy. Learn how Google Pay works and solve other questions you might have when using this service.

Google Pay is a mobile wallet to make purchases on the go fast and easy. Simply ensure you have the \Google PayTM App loaded to your phone, ensure your phone is ‘awake’ and use tap & go to make a payment.

You can use Google Pay wherever tap & go is available for purchases under $100 (purchases over $100 need your PIN).

The phone battery needs to be charged to used Google Pay. You will need an internet connection to register and see notifications of most recent transactions. Your battery will need to be charged to allow you to have the phone switched on when using Google Pay.

The NFC (Near Field Communication) functionality is found in the ‘settings’ section in majority of phones, and needs to be switched on to ensure the app works correctly. Using NFC on your mobile can use the battery a little faster than normal, so you may want to turn it off when you are not using Google Pay.

  • Your physical card number is not stored on your phone.
  • Just like a contactless transaction with your Visa card, Google Pay will not work for purchases over $100 unless you enter your PIN at the terminal.
  • If your phone is ever lost or stolen, you can use Android Device Manager ( android/devicemanager) to instantly lock your device, or even wipe it clean of any personal information.
  • You will continue to enjoy $0 liability for unauthorised transactions in the same way you are protected when using your physical card*.
  • The device has to be within 4cm of the reader so you can’t accidentally pay for someone else’s purchases.
  • There is also a unique code for each transaction which prevents it going through twice. Even if you accidentally tapped twice you will not be billed twice.
  • The cards also have secure encryption technology which protects your card data from being compromised.
  • To further protect your money Beyond Bank operate a dedicated 24/7 card monitoring service and will contact you if we notice a transaction on your account which is unusual.

Visa payWave enabled cards are backed by Visa’s Zero Liability Policy* and are as secure as any other Visa chip enabled card. They carry the same multiple layers of security, which ensures that you will not be liable for any fraudulent transactions providing you did not contribute to the loss and you notify Beyond Bank promptly of the fraud.

*Visa’s Zero Liability policy covers Australian and New Zealand issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.

Unlike a card where the number remains unchanged, Google Pay uses temporary numbers, and as far as security goes, that’s the biggest advantage of Google Pay. Google Pay generates a temporary credit card number that is used for your transaction. 

The number expires regularly which limits the risk of your details being compromised for fraud.

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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