Fast and Seamless Payments with Google Pay
Universal Capital Bank AD Podgorica is pleased to announce the introduction of the Google Pay service, as part of our digital transformation strategy and our continuous efforts to enhance the customer experience.

Google Pay for secure and easy contactless payments
From now on, all cardholders of Mastercard cards issued by Universal Capital Bank – both retail and corporate clients – may use Google Pay for secure and convenient contactless payments via Android devices and smartwatches. Cards can be added to Google Wallet without restrictions, and the service is available simultaneously across all of your devices, ensuring maximum flexibility.

Key advantages of Google Pay include:
With Google Pay, your phone becomes your payment method. Add your UCB payment card to Google wallet for secure and easy access.
Fast and seamless retail, online, and in-app payments
Complete security – your information is neither stored on the device nor shared with merchants
Every transaction is protected by a unique, encrypted number
Fingerprint, facial recognition, or PIN authentication
No need for a physical card – your phone or smartwatch becomes your digital wallet
Modern, digital banking
Google Pay represents a significant step towards modern, digital banking, enabling our clients to carry out secure, fast and contactless daily transactions.
Innovation and Service Development
Universal Capital Bank remains committed to investing in innovation and developing services that align with contemporary trends and customer needs. By launching Google Pay, we are moving one step closer to a fully digital future.
Digital Wallet
Google Pay is a digital wallet and mobile payment system compatible with all Android devices.
Universal Capital Bank payment cards
As a digital wallet, Google Pay stores your Universal Capital Bank payment cards (both debit and credit). As a service, it enables tap-to-pay transactions with digitalized payment cards using NFC technology on Android devices, in retail, online and in-app.
Your Phone Becomes Your Payment Method
Google Pay provides Android users with an easy, secure, and fast way to pay, supporting the convenience of financial management in today’s digital environment. With Google Pay, your phone becomes your means of payment.
Benefits of Google Pay Payments
The Google Pay service represents a flexible and modern functionality in financial management through digital technologies, which are the foundation of the digital society.
Payments with Google Pay are both easy and secure:
- You no longer need to carry physical cards or cash, as all cards are stored in one place – your mobile phone, which you always have on you
- Online payments can be completed in just 1-2 clicks, without entering card details
- Google Wallet does not share your card number with merchants – through tokenization, the system sends a “virtual number” instead of the actual card number
- Every payment requires biometric confirmation (fingerprint, facial recognition) or PIN when activating Google Wallet
- Adding or removing cards from the Google Wallet app easily
- Real-time spending notifications
- Simply unlock your phone and tap it against the contactless reader of the POS terminal (NFC technology)
- Free of charge – Universal Capital Bank clients can use Google Pay with no fees or costs

Universal Capital Bank Cards Available for Google Wallet Payments
To use the Google Pay service, both retail and corporate clients may add all types of Universal Capital Bank Mastercard cards (debit and credit) to their Google Wallet app:
MasterCard Debit
MasterCard Standard Credit
MasterCard Platinum Credit
MasterCard Platinum Credit — Metal Card
MasterCard Platinum Business Credit
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