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On Wednesday, January 29, 2020, Truliant's Mallard Creek location at 3024-B Prosperity Church Rd in Charlotte, N.C. will open with delayed hours. Please check back for updates.
Android Pay

Google Pay FAQs

Google Pay Frequently Asked Questions.


Q: When will other mobile wallet options become available for use?
Truliant now offers Google Pay (formally Android Pay), Apple Pay and Samsung Pay for your convenience.
Q: What do I need to use Google Pay?
Here's what you need to use Google Pay:

  • Your Truliant Visa credit or debit card(s)
  • Android phone running Kit Kat (4.4) or higher
  • Google account
To make in-store payments, your phone also needs to support NFC (Near Field Communication) and HCE (Host Card Emulation). 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 HCE.
Q: What devices can I use with Google Pay?
A: Google Pay is available on all non-rooted Android devices (KitKat 4.4+).
Q: Which cards can be added to Google Pay?
A: Any Truliant Visa® Debit or Credit card can be used with Google Pay.
Q: Does Truliant charge anything to use Google Pay?
A: No. Truliant does not charge a fee for customers to use Google Pay.
Q: What is a contactless mobile wallet payment?
A: 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.
Q: How do I add my card?
A: To set up Google Pay:
  • Open your phone’s Settings app and make sure NFC is turned on.
  • Open the Google Pay app and follow the setup instructions.
  • You may need to set up a PIN, pattern, password, or fingerprint screen lock.

Q: What is a default card for Google Pay?
A: Your default card for Google Pay is the card that is automatically used every time you make a purchase. However, as of December, 2017, Google Pay allows you to pay with a card other than your default by simply tapping on the card in the app right before you pay.
Q: How do I set my Truliant card as my default card for Google Pay?
A: The first payment method you add to Google Pay is set as your default. When you pay using Google Pay, your default payment method is automatically charged. To change your default card, open the Google Pay app, tap the card you want to make your default card and tap ‘Set as default card.’
Q: Why am I being asked to verify my Truliant card?
A: Verification helps Truliant protect your account. When you verify by email or text, Truliant will send a verification code within a few minutes. If you haven’t received a notification after an hour, please call us at 800.822.0382.
Q: How do I use Google Pay?
A: Step 1: Wake up and unlock your phone.
You don’t need to open Google Pay to make a payment, but you do need to have your phone screen on and your phone unlocked.
Step 2: Hold the back of your phone close to the terminal for a few seconds.
If Google Pay sends the payment info, you’ll see a green check mark.
Step 3: Follow the on-screen instructions.
When the payment goes through, follow the same instructions you would if you slid your card. For debit cards, you’ll enter your PIN. For credit cards, you may have to sign the signature box on the terminal.
Q: Where can I use GooglePay?
A: You can use Google Pay in stores, within apps, and online.
In stores, look for one of these symbols at checkout:
Android Pay image  
If you can’t use Google Pay at a store that displays one of these symbols, let us know.
For a list of everywhere you can use Google Pay, click here
Q: Can I use multiple Truliant cards with Google Pay?
A: Yes. There is no limit on the number of cards storable in the Google Pay app.
Q: Will I continue to earn rewards and benefits from my credit or debit cards when I pay using Google Pay?
A: Yes. When you pay using Google Pay, you'll continue to get the rewards, benefits, and security that your credit or debit card provides.
Q: How can I check my recent transactions?
A: To get details on transactions and charges made using Google Pay:

  • Open the Google Pay app.
  • Tap the card you used to pay.
  • Find and tap your transaction. 

Note: If you ever need proof of purchase, you may still need to show the receipt you got from the merchant.
Q: Why is the transaction amount displayed in the app different from what's in my Truliant Online Banking or Truliant App account detail?
A: Occasionally only initial authorization amounts will be passed to Google Pay, which might be different from the final transaction amount. As a result, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels and car rental companies.
Q: Can I continue to use my plastic credit or debit cards if I suspend or remove my cards in Google Pay?
A: You can continue to use your cards as you normally would. However, deleting your cards from Google Pay will remove the virtual cards from your device and they can no longer be used. You can add your debit and credit cards back into Google Pay at any time.
Q: What if my Truliant card is lost or stolen?
A: Please call Truliant immediately at 800.822.0382 and mention that you added your Truliant card to Google Pay. We will close your card so that no more purchases can be made. You should also remove the lost or stolen card from Google Pay. When you receive your replacement card, you will need to add the new card to Google Pay before making any Google Pay purchases.
Q: What if my mobile device is lost or stolen?
A: If you believe your device or Google Pay card information has been lost, stolen or compromised in any way, call us immediately at 800.822.0382. If you locate your device after your card was disabled by us, you will need to add your card back to Google Pay.
Your physical debit and credit cards can continue to be used for purchases, even if you lose your device.
Q: How secure is an Google Pay transaction? Am I still covered for fraudulent transactions?
A: The safety and security of our members’ account information is of the highest importance. As a security measure, you may receive a “verification required” message when adding your card to Google Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of a multi-layered approach to security in payments. When you make payments with Google Pay your card number is never shown to the merchant. Additionally, all transactions are monitored by Truliant’s risk and fraud detection systems. Just like your physical credit and debit cards, your Truliant virtual credit and debit cards are covered by Truliant’s fraud prevention services. If you suspect fraudulent use of your virtual credit or debit card, please contact our Member Contact Center immediately at 800.822.0382.
Q: If I replace my device, what effect does it have on Google Pay?
A: If you replace your device, you will need to re-register your Truliant card in Google Pay.
Q: How will these transactions appear on my Truliant statement?
A: Google Pay transactions will appear like any other debit card transaction on your Truliant statement.
Q: How do you process returns with Google Pay?
A: To return something you bought in-store with Google Pay you will need your store receipt, just like you would for any other purchase. If the merchant asks you to swipe your card, simply unlock your device and hold the back to the contactless payment terminal. For some returns, you might have to provide the last four digits of your virtual account number.  You can find your virtual account number on the card details screen in your Google Pay app. 
Q: How will members contact Truliant with questions?
A: If you have further questions regarding Google Pay, please call 800.822.0382.

Return to the Google Pay page