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Android Pay™ FAQs for UECU Visa® Cardholders

What is Android Pay?

Android Pay is a contactless payment technology that makes paying as easy as pulling out an Android phone. Users’ card information is never shared with stores because Android Pay doesn’t send your actual credit or debit card number with your payment.

Which devices support Android Pay?

Android Pay is preloaded on some Android phones. Other eligible phones can get Android Pay by downloading it from the Google Play Store. If a user cannot find the Android Pay app on the Google Play store, it is because their device is not compatible with Android Pay (Only users that have devices with OS 4.4 KitKat or higher can download Android Pay.) Check the website for the most up-to-date information regarding supported devices.

When can I begin using Android Pay?

Android Pay is now available to UECU members; you can add your Visa® Power Card™ and Advantages Visa Debit Card™ to Android Pay.   

How do I set up Android Pay?

Add your Visa Power Card™ and Advantages Visa Debit Card™ to your Android Pay device in five easy steps:

  1. In the Android Pay app on your device, touch the + 0sign to add a credit or debit card to pay using the phone device.
  2. Position the credit/debit card in the camera frame to automatically enter the card information.
  3. Enter the security code found on your card and provide additional information as required.
  4. Accept the terms of service and set your screen lock. (Activating Device Administrator is part of the Android Pay setup process.)
  5. If requested, follow any additional steps to verify your card.

For additional information on setting up Android Pay, visit

How many payment cards can I add in Android Pay?

There is no limit to the amount of payment cards that you can add to Android Pay; these include debit cards and credit cards from the top US networks.

How can I make a payment with Android Pay?

With Android Pay you can simply unlock your phone, place it near a contactless terminal, and you’re good to go. You don’t even need to open an app. And when you tap at select merchants, your loyalty points and offers are automatically applied at checkout too. In apps simply select Android Pay at checkout.

What is an Android Pay contactless payment?

Android Pay contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

If I have multiple cards stored, which does Android Pay use for a transaction?

You can choose which card to use as a default - this card is always displayed on your Android Pay homescreen at the top with additional payment options and loyalty card stacked below. If your default card is not accepted at a retailer, you will need to choose another card you have on file with Android Pay and tap your phone again.

Will I continue to earn loyalty or rewards benefits from my credit and debit card(s)?

Yes, you will continue to receive VantagePoints™ with signature based “CREDIT” purchases.

How does Android Pay know it’s actually my phone and therefore my card?

When setting up the Android Pay app, you must have or set-up Android Operating System Screen Lock. This security app automatically locks your phone after a certain amount of time of inactivity. Once locked, you will need to use the pattern, PIN, or password that you create during set-up to unlock your phone.

What information is being shared with Google?

Google will receive minimal transaction information (e.g., transaction amount, merchant name, and merchant zip code) from the network to include in the rich receipt view.

Where can I use Android Pay?

You can use Android Pay at over one million stores across the US; it’s also available in many Android apps. For a full listing, visit

Can I use Android Pay even without a Wi-Fi/cellular connection?

Yes, but you will need to connect every so often to refresh the app. This will help ensure that Android Pay is ready to pay when you are.

What if I lose my Android device?

If your Android device becomes lost or stolen you can use Android Device Administrator to lock it remotely, create a new password, and wipe your personal information from it.

We also recommend that you notify your mobile carrier and promptly call the Credit Union; you should mention that you added your card to Android Pay, so we can disable the card for use with Android Pay. If you locate your device, you will need to add your card back to Android Pay before making any Android Pay purchases.

What if my physical Visa card is lost or stolen?

Please contact UECU as soon as possible. Once you receive your replacement card, you will go through the initial set up of providing the basic payment details to add the card to Android Pay.  

Are my purchases protected under zero liability?
Yes. Whether you use a virtual account number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions*. Please contact UECU for more information.

Where can I view the full Terms of Use?

Please refer to your card agreement for terms and conditions.

Who do I contact for general questions about purchases made with my UECU Visa card(s) and Android Pay?

Please contact UECU at 800-288-6423 or via Live Chat at during regular business hours, weekdays, 8 AM – 5 PM EST, Wednesdays until 3:30 PM EST.

Where can I find additional information?

To learn more about Android Pay, visit the official Android Pay website at

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

*The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details.