What if I’m having a problem making a contactless payment?

There could be a number of reasons for this:

- The payment is over £45.

The majority of retailers are now set up for contactless payments of up to £45. However, not all retailers will accept Google Pay transactions for larger amounts and the Halifax also put limits in place to protect you from fraud, which can restrict the value or number of payments you can make.

- You haven’t connected to the data network or wi-fi for a while.

For security reasons there’s a limit to the number of payments your device can make without connecting to the data network or wi-fi. You’ll be sent a reminder when you’re near your limit. Just go online using wi-fi or your data allowance, then your ‘offline’ transaction allowance will be reset automatically

- The card reader does not accept contactless payments.

Not all retailers accept contactless payments yet. Please use another payment method such as your debit or credit card.

How do I use Google Pay to pay for public transport in London?

Using Google Pay is generally the same as using a contactless payment card (for example Oyster). You’ll need to touch in and out on tube and rail services. On trams and buses, you’ll only need to touch in.

• Always use the same device to avoid incomplete journeys and to benefit from fare-capping.

• Avoid card clash by keeping other contactless cards separate from your device.

• Make sure you have enough battery life to complete your journey and keep your phone switched on.

Will I still earn rewards and get the same benefits from my card when using Google Pay?

Yes, you’ll still get the same rewards, benefits and security that already come with your Halifax credit or debit card.

This includes benefits such as Cashback Extras on debit card and credit card purchases as well.

Does the Google Pay app show my recent transactions?

Yes, for each Halifax debit or credit card, you’ll be able to see the last 10 transactions made using Google Pay on that device. All of your card transactions will still appear on your bank or credit card statement in the usual way.

Can I use Google Pay when I’m abroad?

All retailers who accept contactless payments will accept Google Pay whether they’re in the UK or overseas. Different transaction limits will apply depending on which country you’re in.

If you use Google Pay to pay with a card overseas, standard overseas charges will apply according to your card terms and conditions. Based on your mobile plan and mobile network’s offering, additional message data charges and foreign transaction fees may also apply.

How do I return goods I’ve purchased using Google Pay?

You’ll need to follow these steps:

• On the device that you used to make the original payment, select the card that you used to make the original payment. You can check this by comparing the last 4 digits of the Virtual Account Number in ‘Card details’ with the details on the receipt.

• Hold the device near the reader to receive the refund. You’ll be able to see the refund in your last transactions within the app.

If, in some places, a refund can’t be paid directly back to the device on which the transaction was made, then the retailer can make the refund back to your plastic card instead. For this reason, always make sure you have your plastic card handy if you require a refund. When the refund is made you’ll see it in your bank statement as normal.

Why am I receiving notifications and how can I turn them off?

You’ll be set up to receive notifications automatically from your Google Pay app for all payments made through Google Pay using your Halifax card

To turn off "Transaction Notifications," open the Google Pay app, tap the menu, and tap "Settings". Please keep in mind that by turning off Transaction Notifications you’ll no longer receive any notifications from Google Pay.