Introducing Google Wallet!

One of our goals is to develop and utilize technology that enhances the member experience in convenient ways. Our newest technological venture is through Google Wallet. Alliance is one of the first credit unions to offer this FREE service. Members with certain Android-based smart phones will be able to pay for purchases at more than 200,000 businesses nationwide by simply tapping the phone on any PayPass-enabled terminal at checkout.

Members can now use MasterCard's PayPass Locator app (available FREE from the Google Play store) to find merchants that accept PayPass. It’s easy and convenient – click here to learn more about what the locator can do!

Google Wallet

Alliance Visa® credit and MasterMoney debit card can easily be added to your virtual wallet. You’re your Alliance credit and debit cards are loaded on your phone where you can view your recent transactions, manage your spending and safely purchase items in-store or online.

Here’s some information to get you up to speed on this exciting new technology:

Google Wallet is available for members with the following android-based phones or tablets on these specific carriers:

Phones:
  • Samsung Nexus S 4G on Sprint
  • Samsung Galaxy Nexus on Sprint
  • Samsung Galaxy Nexus GSM/HSPA+
  • Samsung Galaxy Victory 4G LTE on Sprint
  • Samsung Galaxy SIII on Sprint, MetroPCS, and US Cellular
  • Samsung Galaxy Axiom on US Cellular
  • LG Viper™ 4G LTE on Sprint
  • LG Optimus Elite™ on Sprint and Virgin Mobile
  • LG Nexus 4 GSM/HSPA+
  • HTC EVO 4G LTE on Sprint
Tablets:
  • Asus Nexus 7
  • Samsung Nexus 10

Google Wallet is not available on Apple’s iOS system (iPhone) at this time.

How do I download Google Wallet?

On your eligible phone or tablet (see list above), go to the Google Play Store on your phone. Download the Google Wallet App and follow the instructions to add your Alliance Visa credit card and your MasterMoney debit card.

What is Google Wallet?

Google Wallet is a virtual wallet that securely stores your credit and debit cards, offers, and rewards cards. You can tap your phone to pay in-store using Google Wallet anywhere contactless payments are accepted. You can pay online by signing into your Google Wallet account.

Where can I use the Google Wallet app?

Currently, you can use Google Wallet in-store anywhere contactless payments are accepted, at over 200,000 merchants across the United States. This includes any merchant using the Mastercard PayPass system. Some of the more popular stores include: Banana Republic, Champs, The Container Store, Foot Locker, Guess, Macys, Office Max, Toys R’Us, Old Navy, CVS, Radio Shack and Sports Authority. Popular eating places like Jamba Juice and Jack In The Box also accept Google Wallet.

How much does it cost to use the Google Wallet app?

Google Wallet is free to use in-store or online.

In what countries is the Google Wallet app available?

The Google Wallet app is only available in the United States.

What payment cards can I add to Google Wallet?

Google Wallet allows you to store all major credit cards, including the Alliance VISA credit card and your MasterMoney debit card. The Google Wallet mobile app uses Near Field Communication (NFC), a secure, wireless connection to transmit payment details to the merchant.

What are linked credit or debit cards?

When you activate your cards in Google Wallet, they are linked to your Google Wallet account upon set up. Linked credit or debit card credentials are not locally stored on the phone, but rather stored online.

What happens when I pay using a linked credit or debit card?

When you setup credit cards in the Google Wallet mobile app, you will be issued a virtual prepaid MasterCard card, by its partner Bancorp. When you pay in-store by tapping your phone, Google Wallet passes the virtual card to the merchant for payment, and charges your selected credit or debit card for the purchase. Your credit or debit cards are linked to your Google Wallet account, which in turn is connected to your virtual prepaid MasterCard card.

Are my linked credit and debit card numbers passed to the merchant?

No, only the virtual prepaid MasterCard card information is passed to the merchant.

Are there instances where paying with Google Wallet won’t work?

Google Wallet should work in stores wherever contactless payments are accepted. In certain instances, the contactless hardware at the merchant location may be old or malfunctioning, and may not work. Also, there are a few exceptions where Google Wallet may not work, depending on the merchant type, ticket size, or category of product sold. For instance, Google Wallet has a daily spending limit of $1,000. In any of these instances, if you get an error, simply pay using your regular credit or debit card. Finally, Google reserves the right to restrict use of the card at its discretion.

Will Google Wallet work with cards issued outside of the United States?

No. Google Wallet is currently available in the United States, and will not work with cards issued in any other country or currency.

What if my phone with Google Wallet is lost or stolen?

You can disable Google Wallet on your lost or stolen device, preventing payments using your linked credit or debit cards, by signing into the Google Wallet online management center or by calling customer service. If Google Wallet can connect to your device, it will remotely reset the application, clearing it of payment and transaction data.

Is it possible to remove all cards and data from the Google Wallet app on my phone?

Yes, you can reset Google Wallet and remove all payment credentials and transaction data via the Settings menu.

How does Google Wallet protect my payment credentials?

Google Wallet stores your credit and debit cards online on secure servers. Your Google Wallet device has a chip called the Secure Element that stores encrypted payment card information. Linked credit or debit card credentials are not stored on the Secure Element -- rather, the virtual prepaid MasterCard card created during setup is stored on the Secure Element, and Google Wallet does not pass credit or debit card credentials you store online to the merchant. Credentials for the Google Prepaid Card and some Citi MasterCard cards are stored on the Secure Element and passed directly to the merchant. The Secure Element is isolated from your phone’s main operating system and hardware. Additionally, because Google Wallet enforces a PIN, the only way to transmit payment credentials is if you first enter the PIN. Your phone’s screen must also be on.

What is the Secure Element and how secure is it?

The Secure Element has many features designed to protect the security of the data it stores. It’s separate from the phone’s main operating system and hardware, which enables encrypted protocols to enforce access control. Only authorized programs like Google Wallet can access the Secure Element to initiate a transaction. There are multiple levels of protection for data stored on the Secure Element and it is protected at the hardware level from snooping or tampering.

Could a malicious application access my credit card on the Secure Element?

Both the Android platform and the Secure Element are designed to prevent this from happening. Android enforces strict access policies so that malicious applications won’t have access to data stored by Google Wallet. Even Google Wallet itself has very limited access to the Secure Element, and cannot read or write data from its memory. There are multiple levels of protection for data stored on the Secure Element and it is protected at the hardware level from snooping or tampering.

If someone gets close to my phone, could they read sensitive data from my Google Wallet?

The NFC antenna in your phone is only activated when the screen is powered on, and even if the antenna is on and in proximity of a reader, payment credentials can only be transmitted from the Secure Element to a payment terminal after you have entered your Google Wallet PIN.

Am I liable for unauthorized transactions made using Google Wallet?

If you would like to dispute an in-store transaction made using a linked credit or debit card in your Google Wallet, authorized or unauthorized, please call us and we will work to resolve the issue. You also have refund or other rights under your agreement with the issuing bank of your linked debit or credit card. Contact the issuing bank and the agreement governing your card account for more information. Many banks apply a $0 liability policy for unauthorized use.

What data does Google Wallet store about my purchases?

For your convenience, Google Wallet records information about your purchases, such as merchant, amount, date and time, and method of payment. You can view your Transaction History in the mobile app and in the online management center.

To become more familiar with Google Wallet, please watch the following short YouTube videos:

Google Wallet Overview (1:30):

Google Wallet in Action (1:55):

Google Wallet For Samsung Galaxy S3 (2:19):

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