Android Pay FAQs

What is Android Pay?

Android Pay is an easy, convenient and secure way to pay with your mobile device. With Android Pay you can simply unlock your phone, place it near a contactless terminal, and you’re good to go. You don’t even need to open an app. Tap and pay is that fast, that easy. And when you tap at select merchants, your loyalty points and offers are automatically applied at checkout too.

How do I enroll in Android Pay?

Set up is simple. You’ll need an Android phone running Kit Kat (4.4) or higher.

1. Look for the app on your phone

Android Pay comes preloaded on several devices. If your phone doesn’t have the app, simply download it from Google Play.

2. Add a credit or debit card

If you already have your Vantage credit and/or debit card in your Google account, you can add it to Android Pay by confirming a few details, or you can add a new card–it’s as simple as snapping a picture. * Once you add your card, it may be necessary to validate the card by calling us at 314.298.0055 or 800.522.6009.

* Please note: Android Pay’s photo-detection only works with embossed card numbers. If your credit or debit card has flat numbers, you may have to enter your information manually.

How do I make my Vantage card(s) my default card?

After you’ve added your Vantage card(s) to Android Pay, it’s easy to make it your default payment option. If your Vantage card is the first card added, it automatically becomes the default. If another card is your current default, simply go to the Android Pay app, select your Google account, double tap a card then touch Set as default card; or touch and drag a card to the “Default card” spot at the top of the app’s Home screen.

The image displayed for my Vantage card(s) does not look like my actual card. Why?

The payment card displayed in Android Pay may not match your physical card. In those instances, Android Pay will use a graphical representation of your card.

You can determine your card is accurate by verifying the following information matches your physical card:

  • The card network (i.e., Mastercard ®)
  • The card issuer (i.e., Vantage Credit Union)
  • The last four digits of your physical card number

What if I lose my Vantage credit or debit card(s)?

If you lose your credit card or debit card, you should immediately inform Vantage so we can cancel it and send you a replacement card.

Call 314.298.0055 or 800.522.6009 during business hours.
For a lost credit card after business hours, call 800.449.7728
For a lost debit card after business hours, call 866.820.8792

You will no longer be able to use the lost card in Android Pay after the card is canceled. After you receive your replacement card, you’ll need to add the new card into Android Pay.

What if I have a problem enrolling my card in Android Pay?

If you are experiencing issues during the verification process when adding a payment card, ensure you are entering all the required information correctly. If you are unable to verify your Vantage card in Android Pay, please contact Card Services at 314.298.0055 or 800.522.6009 during normal business hours. After business hours, call 855.553.4291.

Is Android Pay secure?

Yes. Android Pay keeps all your payment information encrypted on secure servers. Your full details are never stored on your phone or shared with merchants when you buy something; they see your virtual account number instead.

How do I return a purchase if I used Android Pay to make the payment?

To return something you bought with Android Pay you’ll need your store receipt, just like you would for a purchase made with a physical card. If the merchant asks you to swipe your card, simply hold the back of your phone to the contactless payment terminal.

For some returns, you might have to provide the last 4 digits of your virtual account number. You can find your virtual account number on the card details screen in your Android Pay app.

How do I keep track of purchases I’ve made with Android Pay?

You’ll find a list of recent purchases in your card’s details screen.

To see the details for your Android Pay purchases:

1. Open the Android Pay app
2. Touch the card you used to pay
3. Find and select your transaction

Keep in mind that you’ll still have to show your receipt from the merchant if you ever need proof of purchase; so make sure you keep it for your records.

What should I do if my device is lost or stolen?

If your phone is ever lost or stolen, you can find, lock or erase it using Android Device Manager.

Since Android Pay doesn’t store your card details on your phone, anyone who finds or steals your phone won’t be able to access that information, even if it’s unlocked.

Which devices support Android Pay?

Android Pay is supported by Android devices running Kit Kat (4.4) or higher.

Where can I get more information?

More information is available at

Android and Android Pay are trademarks of Google Inc.