While PayPal does not currently charge any fee solely for creating or using your Account to make purchases with Google Pay, you will be responsible for all fees that may be imposed by non-PayPal parties in connection with your use (such as data usage or text messaging charges imposed on you by your wireless carrier) and be subject to any restrictions those third parties may impose.
2. USE OF YOUR ACCOUNT IN GOOGLE PAY
3. AUTOMATIC TOP UP; AUTHORIZATION
5. THIRD PARTY AGREEMENTS AND SUPPORT
7. PRIVACY AND SECURITY
8. SUSPENSION; CANCELLATION
9. DISCLAIMER OF WARRANTIES
10. LIMITATION OF LIABILITY
12. GOVERNING LAW
Google Pay enables you to add your Account to Google Pay on your Device and permits you to use your Device to make (i) contactless payments at merchants’ contactless-enabled point-of-sale terminals or readers that accept contactless payments in the United States and territories and (ii) in-app, on website or other digital commerce payments at merchants participating in Google Pay.
When you select your Account to use with Google Pay, certain account information for your Account will be transmitted to and stored within your Device or on Google’s cloud platform. Once the account information for your Account has been stored on your Device, it is represented by a virtual representation of your Account within Google Pay. By adding your Account to Google Pay or selecting your Account as the default payment method in Google Pay, unlocking and/or placing your Device near a merchant's contactless-enabled point-of-sale terminal or reader or using your Account for an in-app purchase, you are authorizing the payment for the merchant's products or services with your Account with Google Pay. You may be able to use your Account with Google Pay even if you do not have wireless service.
For each Account added to Google Pay, you may also view purchase transactions made through your Device with that Account within the past 12 months. You may also view the last 50 purchase transactions made by you with that Account, whether or not made using your Device. The information may include the date, purchase amount and merchant name associated with that past transaction(s). Please note that some of the listed transactions may be pending charges, which are temporary and are subject to change (for instance, pre-authorizations at restaurants and hotels). Google provides you with the option and ability to turn transaction notifications on and off within the Google Pay settings or your general Device settings. For additional information about your Account, please log into your account on the PayPal mobile app, paypal.com, or call the following number: 1-855-684-1966.
Purchases or other transactions you make with any of your Account are governed by the PayPal User Agreement. If a problem arises with the product or service you purchased through use of your Account, you first should try to resolve the problem directly with the merchant, but you may also have rights under the PayPal User Agreement or otherwise under applicable law. If you have any issues or questions related to the way you may add, delete or select your PayPal Account as your default payment method or use your Account in Google Pay, please call PayPal at: 1-855-684-1966. If you have any issues or questions related to Google Pay but not related to your PayPal Account, please refer to the general information and help documentation made available by Google.
PayPal transactions in Google Pay are funded solely by your PayPal account balance. To ensure that your balance is sufficient to cover Google Pay transactions, we can automatically add funds to (or “top up” or “reload”) your PayPal balance by transferring funds from your linked bank account or debit card (your “Top Up Source”) whenever your available balance is less than the transaction amount. We cannot top up your PayPal balance using a linked credit card. You can disable automatic top up from within your PayPal account settings.
PayPal establishes a set, default amount for each top up transaction (e.g., $10). We may offer you the ability to select from one or more default amounts (e.g., $10, $20, $50, $100, $200) or we may allow you to set a custom default amount. The default amount will be transferred from your Top Up Source to your PayPal balance each time a top up is required to complete an Google Pay transaction. To the extent multiple top ups are required to complete a transaction, we’ll top up your PayPal balance with a multiple of the top up amount.
Single Top Up
You have $25 in your PayPal account balance and attempt to make a $30 purchase with your PayPal Account in Google Pay. The default top up amount is set to $10. Since the purchase amount exceeds your balance by $5, an automatic top up to your PayPal balance is triggered in the default amount of $10. This brings your account balance to $35 and allows you to complete the $30 transaction, leaving $5 in your balance. Your bank or debit card statement will show a corresponding $10 transfer to PayPal.
Multiple Top Ups
You have $5 in your PayPal account balance and attempt to make a $100 purchase with your PayPal Account in Google Pay. The default top up amount is $10. Since the purchase amount exceeds your current balance by $95, an automatic top up to your PayPal account is triggered. A single default top up of $10, however, would not allow you to complete the transaction. Instead, the top up will be for a multiple of the default top up amount necessary to complete the transaction. In this case, it would take 10 top ups of $10 ($10 x 10 = $100) to complete the transaction. PayPal will combine the ten top ups into a single $100 top up, bringing your PayPal account balance to $105. This allows you to complete the $100 transaction and leaves $5 in your balance. Your bank or debit card statement will show a corresponding $100 transfer to PayPal.
By using PayPal in Google Pay, you hereby authorize PayPal to automatically debit your linked bank account or debit card, as applicable, for the default top up amount (or multiple thereof) as necessary to complete any transaction conducted using PayPal in Google Pay. You further agree that once a top up transfer from your bank account or debit card has been initiated, you will not be able to cancel the transfer and that PayPal may resubmit any top up transfer that is returned for insufficient or uncollected funds, except as otherwise provided by the ACH rules or applicable law. You may be subject to third party fees, such as insufficient fund fees, reversal fees, or ACH insufficient fund fees that a bank may charge if your top up transfer is rejected.
If you delete your bank account or debit card from PayPal, we will not be able to top up your PayPal account balance and any Google Pay transaction that exceeds your available balance will be declined.
Please refer to the information or documentation made available by Google to learn about any additional limitations or restrictions imposed on Google Pay and for minimum software and hardware requirements.
It is your responsibility to read and understand the Third Party Agreements before creating, activating or using your Account in Google Pay.
We are not responsible for, and do not provide, any support or assistance for any third party hardware, software or other products or services (including any technology-related question you may have in connection with Google Pay or your Device). If you have any questions or issues with a third party product or service, including issues pertaining to the operation of your Device, please contact the appropriate third party in accordance with that third party's procedures for customer support and assistance. If you have any questions or issues pertaining to Google Pay (other than questions or issues specific to the use of your PayPal Account in Google Pay) please contact Google or refer to the information or documentation they may make available from time to time.
We do not currently charge a fee for using your PayPal Account for purchases made using Google Pay. However, any fees normally associated with your use of the PayPal services (as described in the PayPal User Agreement) continue to apply. However, notwithstanding anything to the contrary in the PayPal User Agreement, when you use PayPal in Google Pay to make a purchase from a non-U.S. merchant, you will be charged a 2.5% foreign transaction fee, regardless of whether the transaction requires a currency conversion. If the payment with PayPal in Google Pay does involve a currency conversion, Mastercard’s foreign exchange rates will be applied. Please see the Mastercard Currency calculator for Mastercard’s rates. We do not currently support ATM access to PayPal Accounts using Google Pay. You understand that Third Party Agreements may contemplate fees, limitations and restrictions which might affect your use of your Account(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). You agree to be solely responsible for all such fees and agree to comply with such limitations and restrictions.
What PayPal Collects
To facilitate your participation, also note that we will make certain account information relating to each PayPal Account you have selected to use with Google Pay available for display, including your most recent transaction data. You should know that merchants also provide to Google certain transaction data relating to in-app purchases to Google made using an Account with Google Pay. If you do not want (i) PayPal to share your transaction data with Google; (ii) merchants to share with Google your transaction data relating to in-app purchases made using an Account with Google Pay; and/or (iii) your transaction history displayed in Google Pay, you must delete your Account from Google Pay. You can also cancel the billing agreement with Google Pay from the settings menu on PayPal.com or remove your Account from Google Pay from the PayPal mobile app. You agree that we may also collect and use technical data and related information, including, but not limited to, technical information about your Device gathered periodically to facilitate the updates to our services. We may use this information as long as it is in a form that does not personally identify you, to improve our products or to provide services or technologies to you.
You may receive push notifications from Google Pay from time to time reflecting your Account activity, including push notifications about your transactions displaying the name of the merchant at which you made the transaction and the transaction amount. If you do not wish to receive notifications, you may turn off these notifications within the Google Pay app or your Device Notifications settings. You can also manage the content of these notifications within your Device Settings to display or hide these details.
What Others Collect
Devices with same Google Account
If you add a PayPal Account to one of your Devices and have other Devices sharing the same Google account (“Other Devices”), Google may collect and use information related to your Account, permit that Account to be added to Other Devices and display on those Other Devices certain information associated with the Account.
In addition, if you delete your Account from Google Pay on any of your Devices, Google will continue to permit that Account to be used on other Devices on which you may have provisioned the same Account and in other Google Properties.
In each of these instances, your Account will not be added to any of your Other Devices unless you verify that Account with us on that device.
Call us immediately at the following number: (888) 221-1161 if you believe your Device or your Device Lock or other credentials have been lost or stolen or someone has used or may use your Device or your credentials without your authorization. Also change your credentials immediately to avoid any unauthorized use of your PayPal Account or of your personal information. If you get a new Device, please be sure to delete all your card and other personal information from your prior Device.
You must cooperate with us in any investigation and use any fraud prevention or other related measures we prescribe.
Google Pay and your Device may contemplate certain security features and procedures to protect against unauthorized use of any of your PayPal Account(s). These features and procedures are the sole responsibility of Google. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your PayPal Accounts.
Protecting your Device Lock, Google Passcodes and other Credentials
You are solely responsible for maintaining the confidentiality of your Device lock, PayPal user ID, Google User ID, Google passcodes and other means you may from time to time have to access your PayPal Account(s). You should keep your Device and these credentials secure in the same manner as you would keep your cash, checks, credit cards, and other personal identification numbers and passwords secure. Subject to the PayPal User Agreement, you are responsible for all transactions made using your PayPal Account in Google Pay. If you share these credentials with any other person, they may be able to use your Account(s) and get access to your personal and payment information available with Google Pay or other Google Properties. Call us immediately at the following number: (888) 221-1161 if you believe your Device, Device lock or other authentication credentials have been lost, stolen or compromised in any way or an unauthorized person has used or may use your Device or credentials without authorization.
While you may add more than one PayPal Account to a Device, we caution you against sharing your credentials with any other person and you should immediately notify us if someone has access to your Device or credentials that you have not authorized.
You may remove one or more of your PayPal Accounts from Google Pay at any time by tapping “Remove Card” within the Google Pay app, or through your Google settings, by tapping or clicking “Erase Device” in Google Device Manager, by deleting your PayPal Account from your Google Account in Google Payments or by calling us at 1-855-684-1966.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF ANY PAYPAL ACCOUNT IN GOOGLE PAY IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY PAYPAL ACCOUNT MADE AVAILABLE TO YOU WITH GOOGLE PAY IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE", WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND PAYPAL, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY SUCH CARD OR USE, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. WE, ON BEHALF OF OURSELVES AND OUR SUPPLIERS, ALSO DO NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY PAYPAL ACCOUNT, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A PAYPAL ACCOUNT WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A PAYPAL ACCOUNT WITH GOOGLE PAY WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY PAYPAL, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY.
ACCESS, USE AND MAINTENANCE OF A PAYPAL ACCOUNT WITHIN GOOGLE PAY DEPEND ON GOOGLE, THE NETWORKS OF WIRELESS CARRIERS AND OTHER THIRD PARTY SERVICES, APPLICATIONS OR WEBSITES. PAYPAL DOES NOT OPERATE GOOGLE PAY OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. WE WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY ACCOUNT WITH GOOGLE PAY, SUCH AS UNAVAILABILITY OF GOOGLE PAY OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. PAYPAL DISCLAIMS ANY RESPONSIBILITY FOR GOOGLE PAY OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A PAYPAL ACCOUNT WITHIN GOOGLE PAY.
USE OF A PAYPAL ACCOUNT WITH GOOGLE PAY INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD PARTY CONNECTIONS. BECAUSE WE DO NOT OPERATE OR CONTROL THESE CONNECTIONS, WE CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. ADDITIONALLY, YOUR DEVICE'S BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. CHECK WITH GOOGLE AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM PAYPAL OVER THE INTERNET FROM YOUR DEVICE, WE RESERVE THE RIGHT TO LIMIT SUCH CONNECTIONS TO "SECURE SESSIONS" THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS WE SELECT.
WE MAKE NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE GOOGLE PAYMENT SERVICES. WE ALSO ARE NOT RESPONSIBLE FOR YOUR DEVICE OR THE SOFTWARE OR HARDWARE IT CONTAINS AND MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME.
Certain software that PayPal uses to allow you to use your Account with Google Pay has been licensed from third parties (each a "Third Party Licensor") that are not affiliated with PayPal. This limited right to use such software is revocable at the discretion of PayPal. PayPal and its Third Party Licensors retain all right, title and interest in and to the software used by PayPal to provide the ability for you to use your PayPal Account credentials in Google Pay and any modifications and updates thereto. You agree that you will not use any third-party materials associated with your Account or Google Pay in a manner that would infringe or violate the rights of any party, and that we are not in any way responsible for any such use by you. All third party intellectual property marks, including the logos of merchants, are the property of their respective owners.
You may not rent, lease, lend, sell, redistribute or sublicense any right to use your PayPal Account credentials with Google Pay or the Google Pay services. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any PayPal Account or Google Pay, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing the use of any open sourced components included with the ability to use a PayPal Account with Google Pay). Any attempt to do so is a violation of the rights of PayPal and its Third Party Licensors. If you breach this restriction, you may be subject to a civil lawsuit, prosecution and damages. The terms of the license will govern any upgrades provided by PayPal that replace or supplement the services currently provided hereunder, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern.
You agree that the virtual representation of your PayPal Account in Google Pay or its credentials may be automatically updated or upgraded without notice to you. At any time, at our sole discretion and without prior notice, we may expand, reduce or suspend the type and/or dollar amounts of transactions allowed using your PayPal Account in Google Pay or change the enrollment process.
As a condition to activating and using your PayPal Account(s) in Google Pay, you consent to receive certain messages on your Device (i.e., SMS, MMS) from us. You also agree to receive notices and other communications from us by e-mail to the e-mail address on file for the relevant PayPal Account, posting within your online account, or through the messaging capabilities of Google Pay, although e-mail will be our primary method of communication to you.
To update the contact information we have on file for you, please go to the PayPal mobile app, paypal.com, or call the following number: 1-855-684-1966.
As provided in the PayPal User Agreement, you are responsible for all uses of your PayPal account by third parties to whom you give access. You will also be responsible for all uses made by third parties you give access to, including if these third parties misuse any PayPal Account credentials in Google Pay.