Frequently Asked Questions for Legal Entities

Quick and easy access to answers to the most important questions about our products and services for legal entities.

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Frequently Asked Questions for Google and Apple Pay

What is the Google Pay service?

Google Pay is a digital wallet and contactless mobile payment service. It enables:

Payments at points of sale that support NFC technology
Online shopping without entering card details
Storage of payment, loyalty, and gift cards, as well as event tickets, all in one place

What is required to use Google Pay?

You need an Android device with NFC capability, as well as an internet connection when adding a card to the digital wallet.

Is there a fee for using Google Pay?

Access to and use of the Google Pay service is free of charge for all Universal Capital Bank clients.

Where and how can Google Pay be used?

Payments with Google Pay are possible at all points of sale that support contactless payments and display the Google Pay or NFC contactless payment symbols.

Payment is made by simply tapping your NFC-enabled mobile device on a payment terminal that uses Near Field Communication (NFC) technology.

For online payments, you need to select Google Pay as the payment option.

Which cards can be added to Google Wallet?

Any Mastercard card issued by Universal Capital Bank can be added to the Google Wallet app.

How can a card be removed from the Google Wallet app?

In the Google Wallet app, you select the card you wish to remove, choose the option in the upper right corner (⋮), and tap “Remove card” or “Remove payment method.” Confirm the action, and the card will be deleted from the wallet.

Can a card be used on multiple Android devices?

Yes, payment cards can be added to digital wallets on multiple mobile devices, as well as on smartwatches.

Is it possible to re-add a card that was removed from Wallet?

Yes, a card can be re-added to Wallet after being removed.

Is a PIN used when paying with Google Pay?

Yes, a PIN is required after every fifth transaction and for amounts exceeding EUR 50.

Can I use Google Pay to withdraw cash from ATMs?

Yes, Google Pay can be used at ATMs that support contactless card reading. Simply tap your mobile phone or smartwatch at the designated contactless area and enter your card PIN.

Is an internet connection required to make a payment with Google Pay?

No, an active internet connection is not always required to make a payment with Google Pay.

Are there daily limits for payments made via Google Pay?

Yes, the daily limits applicable to your payment card also apply to the tokenized card in Google Wallet.

Can I view transactions made through Google Pay?

Yes, an overview of all transactions is available directly in Google Wallet.

Are Google Pay services secure?

Google Pay is a highly secure payment method, as it incorporates the following security features:

Tokenization (the card number is not stored on the device)
Data encryption
Biometric authentication of the device (fingerprint, facial recognition or passcode).

What should I do if I lose a device with Google Wallet enabled?

If your device with Google Pay activated is lost or stolen, immediately contact the Bank, which will take the necessary steps to block the token.