Google Pay Terms and Conditions


Last updated: August 2021

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1. These Terms

1.1. The Cardholder agrees with Airwallex Pty Ltd (ABN 37 609 653 312; AFSL 487 221) ('Airwallex', 'we', ‘our’ or 'us') to these terms (‘Terms’) when:

(a) an Accountholder adds an Airwallex Card for use in Google Pay on an Accountholder’s eligible Android Device; or

(b) an Additional Cardholder adds an Airwallex Card linked to the Accountholder’s account for use in Google Pay on the Additional Cardholder’s Android Device.

1.2. These Terms apply to the use of the Airwallex Card on the eligible Android Device by the Accountholder or the Additional Cardholder (as applicable). The Accountholder is responsible for the use of all Airwallex Cards by Additional Cardholders.

1.3. These Terms apply in addition to the Account Terms that apply to the Accountholder. The Accountholder must ensure that Additional Cardholders use Airwallex Cards in accordance with the Accountholder’s obligations under the Account Terms. These Terms (together with the Account Terms) govern the use of Airwallex Cards in Google Pay by the Accountholder and any Additional Cardholders. Unless otherwise defined in these Terms, all capitalised terms have the meanings given in the Account Terms.

2. Adding and removing an Airwallex Card

2.1. An Accountholder can add an Airwallex Card to Google Pay on an eligible Android Device and any Additional Cardholder can add an Airwallex Card to the Additional Cardholder's eligible Android Device, provided that:

(a) we can verify the Accountholder’s identity or the Additional Cardholder's identity (as applicable); and

(b) the Airwallex account of the Accountholder is in good standing,

in each case, to the extent required by Airwallex at its discretion.

2.2. The Accountholder can remove an Airwallex Card linked to the Accountholder’s Wallet from Google Pay at any time and an Additional Cardholder can remove their Airwallex Card from Google Pay at any time.

2.3. Airwallex may remove or disable any Airwallex Card provisioned to Google Pay at any time in accordance with Airwallex’s standard policies and procedures or in any other circumstance where Airwallex has determined it has a reasonable basis to do so.

3.Using an Airwallex Card with Google Pay

3.1. Once an Airwallex Card is added to Google Pay, the Cardholder can use Google Pay to make transactions where Google Pay is supported by the merchant. This is done by using the relevant Android Device in place of a Physical Card at a contactless payment terminal for in person point of sale transactions or by using the Airwallex Card to pay with Google Pay in an application on an Android Device. Depending on the value of the transaction, transactions in applications may require the Android Device to be unlocked prior to making the transaction, and contactless payment terminals may require:

(a) the Cardholder to enter the Airwallex Card PIN;

(b) the Cardholder to have unlocked the phone at a point prior to attempting a transaction; or

(c) the Cardholder to awaken the Android Device (for some Android Devices, carrier-specific software settings may override Google Pay settings so that an Android Device may need to be unlocked in order to make a transaction).

3.2. The Cardholder must have selected Google Pay as the default tap and pay application on their Android Device’s settings to make transactions with Google Pay. The Cardholder must have their Airwallex Card selected as their default card within Google Pay in order for Google Pay to use that Airwallex Card in making a transaction. If Google Pay is the default tap and pay application on the Cardholder’s Android Device’s settings, they may only be able to pay using Google Pay despite another tap and pay application being open at the time that the Cardholder taps their Android Device at the contactless payment terminal. Google Pay may not work when the Android Device is not within range of a cellular or wireless internet connection, and if the Android Device has not had a cellular or wireless internet connection for an extended period of time, there may be a delay in time before Google Pay works once reconnected.

4. Security and the Cardholder’s liability

4.1. Any person who has access to a Cardholder’s Android Device may be able to make transactions using an Airwallex Card registered in Google Pay.

4.2. If an Airwallex Card is registered for Google Pay on any eligible Android Device, the Cardholder is responsible for ensuring that:

(a) where applicable, only the Cardholder's biometric identifier (including a fingerprint or facial detection) is registered on the Android Device (and no other person's biometric identifier is registered);

(b) the Google Pay wallet is not shared with anyone and is used only by the Cardholder;

(c) the Cardholder keeps the Passcode for the Cardholder's Android Device secure in the same way as a Cardholder would a banking password or PIN secure, including by:

(i) not sharing it with anyone,

(ii) not carrying a record of it with an Android Device or anything liable to be stolen with an Android Device (unless a reasonable effort is made to protect the security of it);

(iii) not choosing an easily guessable Passcode such as the Cardholder's date of birth or a recognisable part of the Cardholder's name; and

(iv) not acting with extreme carelessness in failing to protect the security of the Passcode.

(d) the Cardholder keeps the Android Device safe and secure (including by locking it when not in use or when it is unattended and by installing up-to-date anti-virus software on it);

(e) the Cardholder removes any Airwallex Cards from the Cardholder's Android Device before disposing of the Android Device;

(f) the Cardholder does not leave the Android Device unattended; and

(g) the Cardholder takes all other necessary steps to prevent unauthorised use of Google Pay.

4.3. If a Cardholder fails to comply with any of the requirements in this clause 4, the Cardholder is taken to have authorised that person to transact on the Airwallex Card using Google Pay. This means that any Google Pay transaction initiated by that person in these circumstances will be authorised by the Cardholder and the Account Terms which deal with unauthorised transactions will not apply. Note that this could result in significant loss or liability in relation to such transactions.

4.4. Where applicable, if another person's biometric identifier is registered on a Cardholder’s Android Device, the Cardholder must ensure that it is removed. If a Cardholder thinks that another person knows the Passcode for the Android Device, the Cardholder must ensure that the Passcode is changed. At any time, the Accountholder can delete or suspend their Airwallex Card from Google Pay and any Additional Cardholder can delete or suspend their Airwallex Card from Google Pay.

4.5. An Accountholder cannot suspend the use of an Additional Cardholder's Airwallex Card in Google Pay, but an Accountholder can suspend or cancel the Airwallex Card of the Additional Cardholder by contacting us. Airwallex’s contact details are set out in the Account Terms.

4.6. Please contact us if:

(a) a Cardholder suspects that their Android Device is lost or stolen;

(b) a Cardholder’s Android Device's mobile service is suddenly disconnected without the Cardholder’s permission (which may indicate that the Cardholder has been subject to mobile phone porting); or

(c) a Cardholder suspects that a security breach in relation to their Android Device or Google Pay, or that an unauthorised person has used the Passcode for an Android Device, Airwallex Card PIN or the Cardholder’s other credentials to access Google Pay.

4.7. Based on the Cardholder’s report, we will suspend the use of the Cardholder’s Airwallex Card with Google Pay. This helps to protect the Accountholder and/or Additional Cardholder (as applicable) as much as possible from additional loss or liability.

4.8. The Account Terms which deal with unauthorised transactions apply to the use of an Airwallex Card with Google Pay. Generally, an Accountholder is liable for unauthorised transactions conducted using Google Pay, including, but not limited to, any unauthorised transactions in relation to Additional Cardholders.

4.9. It may be possible to make transactions using Google Pay with an Android Device after deleting/uninstalling the Google Pay application on the Android Device. As a result, if a Cardholder no longer wishes to use an Airwallex Card with Google Pay, the Cardholder should remove the Airwallex Card from Google Pay prior to deleting/uninstalling the Google Pay application on their Android Device. Other ways that a Cardholder can ensure that their Airwallex Card cannot be used with Google Pay on their Android Device include:

(a) removing the Google account to which the Airwallex Card was added in Google Pay;

(b) undertaking a factory reset of the relevant Android Device; or

(c) erasing the Android Device on Android Device Manager.

4.10. Airwallex Cards may also be removed from Google Pay where an Android Device has not connected to Google’s servers for at least 90 days.

5. Fees and charges

Airwallex does not charge Cardholders any additional fees for adding or using an Airwallex Card with Google Pay. Cardholders are responsible for all third party charges associated with the use of Google Pay (such as certain transactions in a currency not directly supported by Airwallex or carriage or mobile data charges).

6.Block, suspension and cancellation of Airwallex Cards in Google Pay

6.1. Airwallex may block, suspend or cancel an Airwallex Card in Google Pay:

(a) if Airwallex reasonably suspects fraud;

(b) if an Airwallex Card is cancelled, blocked or suspended;

(c) if the Accountholder is in default under the Account Terms or these Terms including, but not limited to, where an Additional Cardholder has caused such default;

(d) If Airwallex determines that such block, suspension or cancellation is required by applicable laws (such as anti-money laundering and counter-terrorism financing laws, or sanctions laws) or Airwallex’s internal policies and procedures that relate to such laws;

(e) if directed to so by Google or by the applicable card network (for example, in circumstances of suspected fraud);

(f) if Airwallex's arrangements with Google regarding Google Pay cease or are suspended; or

(g) for any other reason.

More circumstances in which an Airwallex Card may be blocked, suspended or terminated (including through Google Pay) are set out in the Account Terms. Airwallex may take such action in relation to an Additional Cardholder’s Airwallex Card even where the Additional Cardholder is not a party to the Account Terms.

7. Data collection and privacy

7.1. Airwallex may collect information relating to a Cardholder’s Android Device (including app version, device type and model, operating system and security information such as whether the Cardholder has obtained root access):

(a) to ensure that the Airwallex Card properly functions in Google Pay;

(b) for security purposes and to identify fraud;

(c) for Airwallex to better provide assistance to a Cardholder; and

(d) to tell a Cardholder about other products or services that may be of interest to the Cardholder.

7.2. We may also exchange information with Google and our other service providers:

(a) to enable the use of the Airwallex Card with Google Pay and to improve Google Pay generally; and

(b) about persons involved in suspected security breaches or fraud.

7.3. If a Cardholder does not want us to collect or disclose this information as described, the Cardholder should not register an Airwallex Card for use in Google Pay. If the Cardholder does not want to receive marketing information, please contact us. Airwallex’s contact details are set out in the Account Terms.

7.4. The Account Terms and Airwallex’s Privacy Policy (https://www.airwallex.com/au/terms/privacy-policy) contain more general information about our collection and handling of a Cardholder’s information.

7.5. Once an Airwallex Card is registered to a Cardholder’s Android Device, Google may access the Cardholder’s personal information regarding the use of that Airwallex Card through Google Pay. Please see Google's privacy policy at https://policies.google.com/privacy.

8. Google Pay provided by Google

8.1. Google Pay is provided by Google, not by Airwallex.

8.2. Airwallex's obligation to a Cardholder in relation to the functionality of Google Pay is limited to securely supplying information to Google in order to allow the use of an Airwallex Card through Google Pay.

8.3. We are not otherwise liable for the use, functionality or availability of Google Pay, any Android Device, the availability of compatible contactless readers at merchant locations, or a reduced level of service caused by the failure of third party communications and network providers.

8.4. The Cardholder will need to agree to Google’s terms and conditions in order to use Google Pay.

9. Airwallex's liability

Without limiting the Account Terms, Airwallex will not be liable for any loss arising from a Cardholder’s use of Google Pay to the extent that the loss was caused by:

(a) a Cardholder’s fraud, negligence or intentional misuse of an Airwallex Card, an Android Device or Google Pay; or

(b) a Cardholder’s use of Google Pay or the Android Device in a manner that is not permitted by Google (for example, by obtaining root access to the relevant Android Device); or

(c) a reduced level of service caused by matters beyond our reasonable control (for example, those caused by third party software and network providers).

10. Changes to these Terms

10.1. Airwallex can change these Terms by giving a Cardholder notice as described below. Such changes will not increase a Cardholder’s liability for transactions already conducted in relation to the use of an Airwallex Card in Google Pay.

10.2. Airwallex may make changes required to immediately restore or maintain the security of a system or individual facility without prior notice. We will notify the Cardholder of such changes as soon as practicable.

10.3. Airwallex may make changes to these Terms by giving the Cardholder at least 30 days’ notice, including changes which:

(a) impose or increase our charges relating solely to the use of an Airwallex Card in Google Pay;

(b) increase a Cardholder’s liability for losses relating to transactions conducted using an Airwallex Card in Google Pay; or

(c) impose, remove or change a Cardholder’s daily transaction limit or other periodical transaction limit applying to the use of an Airwallex Card in Google Pay.

10.4. Otherwise, Airwallex may make any other changes to these Terms by notifying the Cardholder before the change takes place.

10.5. Notice may be given by letter, email or by electronic means as set out in clause 11 below or any other manner that is not prohibited by applicable law.

10.6. The current version of these Terms will be available at www.airwallex.com.

11. Communication via SMS or Google Pay

Without limiting any other means of communicating with an Accountholder under the Account Terms, we may communicate with a Cardholder by sending an SMS to an Android Device, an email to the email address a Cardholder has provided to us or by writing to a Cardholder at the address last provided to us. The SMS or notice may include a link to further detailed information on our website.

12. Severability and governing law

12.1. If any provision or part of a provision of these Terms is illegal, invalid or unenforceable, it will be severed from these Terms and the remaining provisions (or parts of provisions) will continue in full force and effect.

12.2. These Terms are governed by and will be construed in accordance with the laws of the Victoria, Australia. Each party irrevocably submits to the non-exclusive jurisdiction of Victorian courts over any dispute, controversy or claim (including non-contractual claims) arising under or in connection with these Terms.

13. Acknowledgment

The Accountholder acknowledges that these Terms form part of the Additional Terms for the purposes of the Account Terms. The Accountholder is responsible and liable for all activity of their Additional Cardholders, including the use of Airwallex Cards by Additional Cardholders under these Terms. To avoid doubt, an Additional Cardholder is not a party to the Account Terms and does not become a party to the Account Terms merely by agreeing to these Terms.

14. Trademark acknowledgement

Android and Google Pay are trademarks of Google LLC.

15. Definitions

In these Terms:

Account Terms mean the terms and conditions applicable to the use of Airwallex’s services found on our website at www.airwallex.com, including, but not limited to, the Payout and FX Terms, the Issuing Terms and any specific terms applicable to the use of an Airwallex Card in a particular region.

Accountholder means the entity described as the ‘Customer’ in the Account Terms who is ultimately responsible for the use of Airwallex Cards by the Accountholder and Additional Cardholders in connection with the Accountholder’s Airwallex account.

Additional Cardholder means a person to whom we have issued an Airwallex Card to access the balance of an Accountholder’s Wallet in accordance with the Account Terms.

Airwallex Card means a virtual or physical card issued by Airwallex through the Visa payment scheme which is not expired, blocked, suspended or cancelled.

Android Device means a device such as a smartphone, tablet or smartwatch using an Android operating system, which Airwallex determines is eligible for the registration of Airwallex Cards to be used in Google Pay.

Cardholder means the Accountholder and any Additional Cardholder who has been issued an Airwallex Card by Airwallex.

Google means Google Asia Pacific Pte. Ltd. ABN 54 341 015 381 and/or its related bodies corporate and affiliates.

Google Pay means the mobile payment and digital wallet service created by Google that lets users make payments using certain Android Devices and credit cards or debit cards registered on such Android Devices.

Passcode means anything required to unlock an Android Device, including a password, passcode, pattern or biometric identifier (where applicable).

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