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Add, edit, or remove a card

You can add, edit, or remove cards from Android Pay on the app.

Note: If you’re having trouble using your card with Android Pay, you may want to double-check the list of participating banks and supported cards. If you have questions or feedback about your card, contact your bank.

Add a card

You can add one or multiple cards to Android Pay.

To add a card with your Android phone:

  1. Open the Android Pay app.
    • If you have multiple Google Accounts in Android Pay: At the top left of the app, touch your name, then choose the account you want to add a card to.
  2. At the bottom right, tap +.
  3. Tap Add a credit or debit card.
  4. Use the camera to capture your card info or enter it yourself.
  5. If you’re asked to verify your card, choose a verification method from the list.
  6. Find and enter the verification code.

Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after.

Add another payment method
You can add another payment method, like Paypal, to Android Pay. You can use Paypal at contactless terminals, in apps, and on websites that accept Discover debit.

Note: To use Paypal on Android Pay, you need a US-based bank account, phone number, and Paypal account.

  1. Open the Android Pay app Android Pay .
  2. From the bottom right, tap Add Add.
  3. Tap Add other payment methods.
  4. Follow the instructions on the screen.

Topping up your Paypal balance

When your Paypal balance runs out, money is added to your Paypal balance from a debit card or a bank account linked to your Paypal account. The default amount is $20 but you can choose another amount.

Note: If your purchase is more than your balance, a multiple of your top up amount will be added to your account.

About your Paypal PIN

Some stores and websites may ask for your Paypal Android Pay PIN. Your default PIN is the last four digits of your virtual card number. Change your Paypal Android Pay PIN.

When you need to unlock your phone to pay

You only need to wake up your phone, not unlock it, for purchases under $50. 

Change your default card or account

The first card you add to Android Pay is set as your default card. When you pay using Android Pay, your default card is automatically charged.

To change your default card:

  1. Open the Android Pay app.
  2. Tap the card you want to make your default card.
  3. Tap Set as default card.
Cards that won’t work with Android Pay

If you tried to add a card that you don’t see in the list of participating banks and supported cards, you won’t be able to use it in the app. You’ll get an email once your card is supported.

Rewards and benefits

With eligible cards from participating banks, you'll keep getting all the security, benefits, and rewards with Android Pay as you do with your credit or debit card.

For all other cards, some benefits and rewards might not be applied when you use Android Pay, like merchant-specific rewards (e.g. double points at a specific merchant with a specific card). Contact your bank for more information.

Note: You won’t be charged a fee for using Android Pay.

Verify your card or account

Verification helps your bank protect your account. Depending on your bank, you can choose from the following verification options. Note: Make sure your bank has your current contact information so codes are sent to the right email address or phone number.

By email or text

When you verify by email or text, your bank should send a verification code within a few minutes. If you don’t get one, contact your bank.

By phone

You can call your bank directly to get a verification code. For some banks, you can request a call directly through Android Pay.

By bank app

You may need to sign in to your bank's app to verify your card. If your bank's app isn't installed, you may be asked to install it, and then come back to Android Pay to verify your card.

By "temporary charge"

A small charge, usually under $1, may temporarily show up on your card's account balance. Or the card issuer may notify you about the charge somehow, like text or email.

To find your temporary charge verification code:

  1. Sign into your bank account online or on a mobile app.
  2. Find the charge that matches the amount you saw in Android Pay.
  3. Enter the six-digit code in the charge’s description. For example, if the description says CODE 123456<ANDROID PAY>, enter 123456 as your verification code.

Didn’t get verification code

  1. Make sure you’re checking the phone number, email address, app, or bank account associated with your verification method.
  2. Check that your device has signal or is connected to Wi-Fi.
  3. If you still don’t get your code, choose a different verification method from the list and try again.
  4. If that doesn’t work, call your bank.

Code not working

  1. Double-check that you entered the code correctly.
  2. Choose a different verification method and try again.
  3. If your code still isn’t working, call your bank.

Edit a card or an account

Cards can’t be edited from Android Pay. To edit an existing card, you’ll need to use a browser to edit it on your Google payments profile.

Note: Citi cards added to Android Pay may not show up on your payments profile. If you add your card directly to your payments profile, any edits made from your profile will show up on Android Pay.

Remove a card or an account

To remove a card with your Android phone:

  1. Open the Android Pay app.
    • If you have multiple Google Accounts in Android Pay: At the top left, touch your name, then choose the account you want to remove a card from.
  2. Tap the card you want to remove.
  3. Scroll down, then tap Remove card.

Removing a card from Android Pay may not remove it from your payments profile.

Can't remove a card or an account

If you have trouble removing a card from Android Pay, you can remove it from the Google payments center:

  1. Go to payments.google.com.
  2. Click Payment methods.
  3. Under the card you want to delete, click Remove.

PC is an Android Pay expert and author of this help page. Help her improve this article by leaving feedback below.

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