Introducing Google PayTM

Google Pay is the fast, simple way to pay contactless and speed through checkout on sites and in apps.

Lighter than a wallet. Faster than a card.


It only takes a minute to set up, and paying is just as easy. One you set up Google Pay as your default ‘tap and pay’ app, simply wake your phone, tap and pay.


No need to dig for your wallet. Google Pay is faster than paying with a physical card—on sites, in apps, and wherever contactless payments are accepted.


Google Pay protects your payment info with multiple layers of security to help keep your account safe.


Get Started with Google Pay

Adding your SCCU card to Google Pay takes just a few moments.


Step 1

Download the Google Pay app free from the Google Play™ store.

Step 1
Step 2

Open the Google Pay app and tap the ‘+’ sign to add your SCCU card.

Step 2
Step 3

Follow the prompts and verify your card if needed. Then you’re all set!

Step 3


Below are some helpful frequently asked questions however you can read more about Google Pay on the Google Pay website.

  • Get to Know Google Pay

    How does Google Pay work?

    Google Pay is a free app that allows you to pay with your SCCU Visa Debit with a tap of your phone while enjoying the same benefits and protection of your physical card.

    Simply add your SCCU card and you’re ready to tap and pay for purchases.

    You can use Google Pay almost anywhere contactless payments are accepted – look out for the payWave and Google Pay logos. You can also make in-app purchases when you see ‘buy with Google Pay’ and in participating mobile apps.

    What is the difference between Google Wallet and Google Pay?

    Google Wallet and Google Pay are two different apps. Google Pay lets you use your phone to pay in stores and in apps with most credit or debit cards, across all NFC enabled android devices. The Google Wallet app lets you send and request money. Google has already said it will be migrating some aspects of Google Wallet to Google Pay.

    Am I able to opt out of Google Pay at any time?

    Yes, you can add and remove cards when needed.

  • Using Google Pay

    Where can I use Google Pay?

    You can pay with your Android Phone at hundreds of thousands of merchants. Easily pay wherever contactless payments are accepted or where you see one of these symbols:






    You can also use Google Pay in many of your favorite apps. Just look for the Buy with Google Pay button. You can see the apps that accept Google Pay on the Google Play Store.

    How do I use Google Pay?

    When paying in-store: 

    1. Simply wake up your phone. No need to open the app.

    2. Hold the back of your device near the contactless  payment terminal and wait for the blue checkmark.

    When paying within apps: 

    With Google Pay, you can check out in hundreds of apps without having to enter your payment information. Catch a ride, order takeout, or get tickets to that just-announced show with the simple press of a button.

  • Setting Up Google Pay

    How do I set up Google Pay?

    Download Google Pay from the Google Play Store ( and then you can add an SCCU card ( by using your phone camera to capture your card information or you can manually enter the card details.  If your card is already set up for Google Play, you can simply add that card to Google Pay by confirming a few details.

    Which devices can I use Google Pay with?

    Google Pay is available on compatible Android devices which support near-field communication (NFC) and host card emulation (HCE) technologies.. To check for NFC, look for it in your phone’s Settings app. You can make in-app payments even if your phone does not have HCE (Host Card Emulation).

  • Google Pay Security

    How secure is Google Pay?

    Google Pay protects your payment info with multiple layers of security, using one of the world’s most advanced security infrastructures to help keep your information safe. Learn more

    What happens if my phone is lost or stolen?

    Android Device Manager will help you find, lock, and erase your phone. Also, you can simply search “Find my phone” and Google will show you where it is on a map. There’s no need to cancel your card.

    What is the virtual account number and how do I find it?

    Your debit card information is assigned a unique virtual account number that’s used at checkout, so your full card details are never shared with the store. Think of it as a digital stand-in for your payment information. To view the last four or five digits of your virtual account number go to “Card details” or “Transaction details”.

    When will I need my virtual account number?

    You’ll need your virtual account number if you would like to make a return on an item purchased with Google Pay.

    How do I return an item purchased with Google Pay?

    In most instances, a return should work with Google Pay the same as it would if you had swiped a regular card. The key difference is that instead of the merchant having to swipe your card again you’ll have to hold your phone near the payment terminal again to verify the return. Be sure to check that the Card selected in Google Pay is the one that you used for the original purchase. In some cases you may also be asked for the last few digits of your Card number. If this happens, you should provide the last few digits of your virtual account number. To view the last four or five digits of the virtual account number go to “Card details” or “Transaction details”.

    Check with the retailer before making the return, as some merchants will require your physical card to process the refund.

Access Your Money Your Way

Register for Netbanking

Securely manage your accounts, cards and payees straight from your laptop or desktop computer using Netbanking. Register to get started.


Register for Netbanking
Download the Mobile App

Always on the move? Download our Mobile Banking App available on Android and iOS to manage your accounts, cards and payees straight from your mobile phone.

iPhone   Android

Download the Mobile App
Apply for a Visa Debit Card

Use money from your transaction account anywhere Visa is accepted and make payments with EFTPOS, Visa Paywave and Apple Pay.

Apply for Visa Checkout


Apply for a Visa Debit Card
  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply.

    Google, Google Pay, and the Google Pay Logo are trademarks of Google Inc.