Google Pay™ (formerly known as Android Pay) is a mobile payment solution that offers North Shore Trust and Savings debit card holders, with a compatible Android device, the ability to pay using Google Pay™ at millions of locations world-wide, including most major retailer and restaurant chains. Google Pay™ is also an accepted payment option for many online and in-app purchases, providing North Shore Trust and Savings debit card holders further simplicity, security and choice when paying for things every day.

Making payments is safe when you use Google Pay™, thanks to tokenization, the industry standard for secure payments. Your card number isn’t stored on your phone or given to the merchant with your payment. Instead, Google Pay™ uses a virtual account number to represent your account information–providing an extra layer of security.


Download the Google Pay™ app and open it.


Tap “+” to add a card.


Follow the onscreen instructions. You will have the option to take a photo of your card or enter the information manually.


You will be asked to call for a validation code. Call the number displayed on your screen and enter the validation code provided.


You’re done! It’s that simple. When you’re ready to pay, unlock your phone as usual and hold it over the merchant’s contactless payment terminal. For additional information on Google Pay™, please visit


Google Pay (formerly known as Android Pay) is the new way to pay with your smartphone, offering simplicity, security and choice. Simply unlock your phone and place it near a contactless terminal, and your payment is complete.

Google Pay™ is supported on any Android™ device with OS KitKat or higher. You must have a valid Google™ account and your screen lock enabled. Visit for complete details.

North Shore Trust and Savings’ consumer and business debit cards can be used with Google Pay. Google Pay also allows you to connect other cards, such as a credit card, if the issuer has been certified by Google.

Google Pay uses a graphical representation, not an exact replica of your card. North Shore Trust and Savings has worked with Google to create an image that should be easily distinguishable from other cards you may have stored in your Digital Wallet.

The average amount of time it takes before your card is fully active for use after being added and verified will vary, but shouldn’t take more than a few minutes. If you encounter any issues, please contact a Universal Banker for assistance. Don’t try to enter the same card multiple times.

The first card you add to Google Pay will automatically become your default card. To change your default, do the following:

  1. Open the Google Pay app.
  2. Tap on your preferred card to get the “back of card” view.
  3. Select “Set as default card”.

You’ll delete your old card from Google Pay and add your new one. To do this, do the following:

  1. Open the Google Pay app.
  2. Select the card you want to delete to get to the “back of card” view
  3. Select “Remove card”.
  4. To add the new card, simply press the “+” symbol and follow the step-by-step instructions.

Yes. When you use Google Pay, your North Shore Trust and Savings card number isn’t stored on your phone or given to the merchant. A unique digital code is created specifically for your card and device.

Google Pay™ doesn’t store your card number on the device. Once the card is added to Google Pay™, a virtual card with a unique identification number is created and stored on the device. When you use your virtual card, a token is generated and passed to the merchant for authentication. This token is specific to each transaction, therefore it cannot be duplicated and you never reveal your name, card number or security code to the merchant.

You can use Google Pay at more than 1 million locations world-wide, including most major retailer or restaurant chains. Just look for the Google Pay or Android Pay logos. In situations where you have to dip your card or in places where you don’t swipe your card yourself (e.g., sit-down restaurants, hotels, auto shops), it’s better to use your actual card. Google Pay doesn’t currently work at gas station pumps with dip readers, but it will work at most gas station cashier card readers.

When paying with Google Pay, you’ll receive and sign a receipt for your purchases, just as you would with a physical card. You won’t receive a separate physical or digital receipt from Google Pay.

Returns made through Google Pay are handled the same way as with your physical card–according to the store’s policies. If you return an item paid for through Google Pay, the store may require you to hover your device over either the card reader or the NFC reader to complete the return.

Adding your credit or debit cards to Google Pay is your choice; you can add and remove cards when needed.

Yes. Be aware that message and data rates may apply, depending on your data plan.