We've merged effective January 1, 2020 and while this website may still bear the name and logo of Westminster Savings Credit Union, we are in the process of revising all print and digital materials to bear the name of the new legal entity - Prospera Credit Union. We appreciate your patience during this transitional period.

Google Pay

Google Pay

Google Pay

Easily add your Westminster Savings card to Google Pay

Google Pay comes preloaded on all Google Devices phones, but if you'd like Google Pay on your Android device you install it through the play store. Google Pay is compatible with most modern Android phone running Android Lollipop 5.0 or above across multiple manufacturers (including Huawei, Samsung, and Blackberry). Google Watch as well as other Wear OS devices paired with a phone such as Hauwei Watch 2, LG Watch Sport and LG Watch Urbane 2.

Set up is easy:

On your phone:

  1. Open the Google Pay app.
  2. Tap the (+) sign. You can also access the add payment option on the Payment tab of the app.
  3. Scan the card your trying to add.
  4. Ensure your card details are read correctly. Tap Save.
  5. On the Terms and Conditions page, tap More then tap Accept and continue.
  6. Select the verification option you would like to use.
  7. If you get a pop-up asking to auto-fill, select yes, auto-fill.
  8. On the enter verification code screen enter the code if not auto-filled. Tap Submit.
  9. You will now be able to use Google Pay.

On your wearable:

  1. Open Google Pay on the watch.
  2. Tap (+) to Add Card to choose from cards on your phone.
  3. Follow the on-screen prompts to complete setup.

Once it's installed, here's how to use Google Pay at checkout:

  1. Open the Google Pay app on your phone.
  2. At the top, on your card, swipe left until you find the card you want to use.
  3. Hold the back of your phone against the payment terminal.
  4. If prompted, authenticate using the method you have setup for your device.

On your wearable:

  1. On your watch, open the Google Pay app.
  2. Scroll to the card you want to use. When you see “Hold to terminal”, it’s ready to use.
  3. Hold your watch against the payment terminal until you hear a sound or feel vibration from your watch
  4. If prompted, authenticate using the method you have setup for your device.

How do I make my CU debit card my default Payment card for instore payment?

On your smartphone:

  1. Open the Google Pay app.
  2. On the bottom, tap Payment.
  3. Tap card you want to make your default.
  4. Turn on Default for in-store purchases.

On your wearable:

  1. On your watch, open the Google Pay app.
  2. Scroll to the card you want to use as default and then tap it.
  3. From the bottom, swipe up on More.
  4. Tap Set as default card.

Google Pay using your Westminster Savings Member Card works wherever Interac® Flash is accepted. Just look for the Interac® Flash logo or contactless symbol at the checkout. Some stores will also display the Google Pay logo. Note: Google Pay cannot be used for International purchases.

Frequently Asked Questions

Am I eligible for Google Pay? Expand/Collapse

If you have a Westminster Savings debit card and an eligible Android device, then you can get Google Pay! Google Pay is available to consumers and small businesses.

Which devices support Interac® Debit on Google Pay? Expand/Collapse

Google Pay is compatible with most modern Android devices with Android Lollipop 5.0 or above across multiple manufacturers (including Huawei, Samsung and Blackberry) and form factors (including mobile phones, tablets and wearables).  To make in-store payments, your phone also needs to support NFC (Near Field Communication). 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 NFC.

Can I use my Google Watch with Google Pay? Expand/Collapse

Yes, you can add a card to Google Pay on your Google watch as well as other Wear OS devices paired with a phone; such as Huawei Watch 2, LG Watch Sport, and LG Watch Urbane 2.

Which account should I use for Google Pay? Expand/Collapse

Google Pay will use the same account (chequing or savings) that your Westminster Savings Member Card is connected to for making purchased using Interac® Debit.

How many devices can I add my card to? Expand/Collapse

There is no maximum number of devices to which you can add your Westminster Savings debit card for Google Pay. However, you are responsible for verifying the validity of your Westminster Savings debit card on each device, and for any charges made with the card to your account.

Is additional information being captured about me when I use Google Pay Expand/Collapse

Google does not collect and store details on Google Pay financial transactions. To learn how Google protects your personal information, transaction data, and payment information when you use Google Pay, visit their website: https://support.google.com/pay/answer/7643925?hl=en

Your Westminster Savings account number is not stored on your phone. Your account number is replaced with a secure digital number known as a token. The token represents your Westminster Savings Member Card and is used to make secure purchases in-store.

How do I pay with a card that isn’t my default card? Expand/Collapse

You can pay with other cards that aren’t your default card.

Am I subject to a daily spending limit? Expand/Collapse

Yes. Westminster Savings will continue to monitor your total spending across the payment services that access your account, including use of your Westminster Savings debit card at retail locations via Google Pay. Google Pay purchases are included in your existing total limit.

Is there a maximum dollar amount for a purchase? Expand/Collapse

When making purchases in stores you will need to authenticate for payments of $100 or more, as well as when cumulative unauthenticated payments reach $200.

Is there a cost to using Google Pay? Expand/Collapse

While there is no cost to use Google Pay as a service, however depending on the account package you have you may be subject to additional fees if you exceed your transaction limits. Using Google Pay is just like using your physical Member Card. Please contact us at anytime to discuss the right account package for you.

Will removing my Westminster Savings debit card from Google Pay deactivate my plastic card? Expand/Collapse

No. Removing your Westminster Savings debit card from Google Pay will not affect your plastic card.

My device was lost or was stolen, and I want to delete my card. What do I do? Expand/Collapse

If your device has been lost or stolen, call us immediately at 604-517-0100 to remove your card from Google Pay. You can also log in to Find My Device and select Erase Device to permanently remove all data, including any payment cards enabled in Google Pay.

Do I need network access to make a purchase? Expand/Collapse

No. Your Android device (powered and unlocked) has everything you need to complete a purchase at a retailer, even without network access. As with card purchases, you may not complete a purchase if the POS terminal is off-line or unavailable. You will need network access to receive transaction notifications from Google

How do I do a Refund? Expand/Collapse

Refunds are initiated by the Merchant at the POS terminal following the same process as a purchase within Google Pay. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last four digits of your card number. Successful refunds will be processed immediately to your account.

I’m having trouble with Google Pay. Who do I contact? Expand/Collapse

If you are having difficulties with Google Pay, please call us at 604-517-0100 and we will be happy to answer your questions.)