Westpac Android Pay Terms and Conditions
Effective as at 07 December 2016
By adding your eligible Card to Android Pay you agree to these conditions, the Google Payment Australia Pty Ltd Product Disclosure Statement and the Google Android Pay Terms of Service. For eligible cards and devices visit westpac.com.au. You can obtain a copy of these conditions from westpac.com.au.
These conditions apply in addition to the account terms and conditions associated with each eligible card ("Product Terms") which can be accessed at westpac.com.au. Where inconsistent with the Product Terms, these terms and conditions apply in respect of your use of Android Pay. The Product Terms apply to both your Card and the Virtual Account Number as they are linked to the same account. There are certain terms and conditions that can only apply to the Card, such as use of a Card at an ATM or obtaining cash advances.
1. Verification - For your security Westpac requires you to be verified when adding a Card. We may use the Scheme Provider to verify you on our behalf. To find out how you can be verified refer to the Android Pay FAQs at westpac.com.au.
2. Choosing Cards for Android Pay - When Android Pay is your default Mobile Payment Service your default card (which can be changed) or selected card will be used for the Android Pay Payment.
For Debit Mastercard all Android Pay Payments will be processed against the primary account linked to your Card. This can be changed in Online Banking, in branch or by calling 132 032. For a credit card all Android Pay Payments will be processed against the Card account.
3. Payment Limits - The transaction limits that apply to your Card include your Virtual Account Number and do not change as a result of you adding your Card to Android Pay. If a PIN is required you will need to enter the PIN for that Card.
4. Virtual Account Numbers in Android Pay - The Virtual Account Number is used to process Android Pay Payments. The receipt provided by the merchant will contain a partially masked Virtual Account Number rather than your Card number. Each time you add your eligible Card to Android Pay the Scheme Provider will create a new Virtual Account Number.
Android Pay requests a token (or series of tokens) from the Scheme Provider to authorise transactions using your Virtual Account Number ("Token Key"). A new Token Key is required after a number of purchases are made, a cumulative purchase amount is reached and/or your Token Key expires.
Internet connection is required to obtain a new Token Key on your Android Device and normal mobile data charges apply. If you do not have internet access there may be a delay before you can obtain a new Token Key.
5. Android Pay required on Android Device - You are required to keep the Android Pay App on your Android Device. If it is deleted you will not receive an Android Pay Transaction Receipt. You acknowledge that deleting the Android Pay App alone will not disable Android Pay and your Virtual Account Number will remain on your Android Device. To find out how to remove your Virtual Account Number refer to the Android Pay FAQs at westpac.com.au.
6. Fees and Charges - The Product Terms describe the fees and charges which apply to each relevant Card. We do not charge you any additional fees for adding or using a Card with Android Pay. You are responsible for all third party charges associated with the use of Android Pay (such as carrier or mobile data charges).
7. Android Pay provided by Google - Android Pay is a service provided by Google and not by us and we are not liable for any costs associated with Android Pay being unavailable, or the failure of third party merchants to accept payments using Android Pay. By using Android Pay you agree that:
(i) Google can provide us with certain information including your Android Device details, personal details, location and account information; and,
(ii) We can provide Google with certain information to allow Google and its service providers to operate Android Pay, to detect and address fraud, to improve and promote Android Pay and to comply with applicable laws and respond to regulatory or government inquiries. Google may store this information outside Australia.
If you do not agree to your information being disclosed or used in this manner you should not add your Card to Android Pay.
8. Protection & liability for unauthorised transactions - You must keep your Android Device and security credentials safe and secure at all times, in the same way you would your Card and PIN. The requirements about protecting your Card and PIN and liability for unauthorised transactions extend to your Android Device and Android Pay Payments.
You must not share your Android Device security details or allow another person to register their biometric identifier (e.g. a fingerprint or retinal scan), as that person will be able to make Android Pay Payments and you will be responsible for their use of your Card.
9. Lost or Stolen Android Device & liability - If your Android Device is lost or stolen you should immediately remove your Card(s) from your Android Device. Refer to the Android Pay FAQs for how you can do this. This will mean that you can continue to use your Card(s) to make purchases.
If you are unable to remove your Card(s) from your Android Device you should place a hold on or cancel your Card which will include your Virtual Account Number. This will mean that you will not be able to make any transactions on your Card account.
We will not be liable for any loss arising from your use of Android Pay to the extent the loss was caused by your fraud; your use of Android Pay or the Android Device in a manner not permitted by Google or (subject to your rights under the ePayments Code) a reduced level of service caused by matters beyond our reasonable control (e.g. those caused by third party software and network providers).
10. Suspension or termination - We may suspend or terminate your use of Android Pay without notice at any time where we suspect unauthorised transactions have occurred, that Android Pay is being misused, to restore the security of a system, any individual Card or account, or if required by a regulatory or government body. We will give you notice in accordance with your Product Terms if your Card is no longer eligible.
11. Changes to these conditions and communication - We may change these conditions at any time and will notify you in accordance with the Product Terms. Due to the nature of Android Pay you agree to us communicating with you electronically in relation to your use of Android Pay and these conditions.
"Android Device" is a mobile device which contains near field communication technology and the minimum required Android operating system. This can include a smartphone, tablet, watch or other device deemed eligible for the use of Android Pay.
"Android Pay" means the mobile wallet service provided by Google that enables you to make Android Pay Payments. Android and Android Pay are trademarks of Google Inc.
"Android Pay Payment" means a contactless transaction by holding your Android Device to a contactless terminal until the transaction is completed and eCommerce transactions including, but not limited to, using merchants' mobile sites, mobile applications and websites by selecting Android Pay as your payment method and any other payments allowed by Google. This also includes refunds processed using Android Pay.
"Card", "contactless terminal", "contactless transaction" "we", "us", "our", "Westpac", "you" and "your" has the same meaning as set out in your Product Terms.
"Android Pay Transaction Receipt" means a receipt which complies with the ePayments Code and provides you with further data obtained by Google.
"Google" is a trademark of and means Google Inc. and includes its related bodies corporate and affiliates.
"Scheme Provider" means Mastercard or Visa Worldwide Pte. Ltd.
"Virtual Account Number" means the number created by the Scheme Provider and stored on your Android Device. This number represents your Card number and is used by Android Pay to process an Android Pay Payment.