Keep your payment info safe

Watch this video to learn more about how your card info stays safe.

How your card info stays safe

Here’s where you can find information on what Google Pay does to keep your payment info safe and what to do about lost or stolen phones and unauthorized charges.

Automatic security features

Here are a few ways Google Pay works to keep your information safe.

Data protection

Your payment information is encrypted and stored on secure servers.

Virtual account numbers

Each payment card you set up for in-store payments gets a virtual account number that merchants see when you buy. Your payment information isn’t shared with merchants when you pay in-store.

Screen lock & small payments

You'll need to set up a screen lock on your device before you add cards to the Google Pay app or for in-store payments. If you turn screen lock off, Google Pay removes your virtual account number from your device for your protection.

To make most purchases, you need to unlock your phone. You won't need to unlock your phone for certain small payments.

Payment limits on a locked device

Depending on where you live, you might be able to make an in-store payment up to the amount listed below without unlocking your device.

Country Amount
Australia AUD 100
Belgium EUR 25
Brazil 50 BRL
Canada $100
Czech Republic CZH 500
Hong Kong HKD 1000
Ireland EUR 30
Japan 10,000 JPY (NFC A/B)

20,001 JPY for online authorization

New Zealand NZD 80
Poland PLN 50
Russia RUB 1000
Spain EUR 20
Singapore S$100
Taiwan TWD 3000
UK GBP 30 (sometimes GBP 20)
Ukraine 100 UAH for Mastercard
500 UAH for Visa
USA $50

Find and secure a phone

Whenever your phone is unlocked, it can be used to make purchases in stores. If your phone is lost or stolen, you can find, lock, or erase it using Android Device Manager.

If you lock your device, Google Pay can't be used. If your device can't be contacted, your payment information might be removed so no one can access it. If you find your device, unlock it and add your payment information again to use Google Pay.

Since Google Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.

Report unauthorized charges

If you see a charge on your card statement for an Google Pay transaction that you didn't make, contact your card-issuing bank.

Stop using Google Pay

If you no longer want to use Google Pay, you can either remove it or disable it depending on your device.

  1. On your device, go to your Settings app and then Applications and then Application manager.
    • On some devices, you might need to go to your Settings app and then Apps and then Google Pay.
  2. Tap Google Pay.
  3. Tap Uninstall.
    • If Google Pay came preinstalled on your device, tap Disable.
Information about your privacy

Participating merchants accept Google Pay for in-app purchases of goods and services. Google discloses to participating apps whether or not you have Google Pay set up on your device so that merchants know whether to offer you Google Pay as a payment option in their apps. 

Google may also provide your device, payment, location, and account info to your card's issuer and payment network in accordance with the Google Payments Privacy Notice.

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

Was this article helpful?
How can we improve it?