Google Pay
A simple and secure way to pay with your mobile phone
Google Pay allows you to use your Hipotekarna Banka Mastercard payment cards via your mobile phone, quickly, easily, and without the need to use a physical card or cash.
Payments are made contactlessly — without handing your card to another person and without touching physical buttons, making everyday purchases more convenient and secure.
Google Pay is available on mobile devices with the Android operating system and enables payments using NFC technology, at all locations where contactless payments are supported.
Pay with your phone instead of your card
Your Mastercard card is stored in digital form within the Google Wallet digital wallet on your mobile phone.
To make a payment, simply:
unlock your phone;
hold your device near the POS terminal;
complete the payment.
Payment functionalities are identical to using a physical card and are available both domestically and abroad, wherever contactless Mastercard payments are accepted.
Activate Google Pay
Activating the service is simple:
- Install the Google Wallet app on your Android phone;
- Add your Hipotekarna Banka Mastercard® card;
- Verify your card through security verification.
After activation, your phone becomes a payment method ready to use.
Transaction security
Google Pay uses advanced security mechanisms that further protect your data.
When making a payment, your actual card number is not used. Instead, tokenization is applied — a process in which transactions are carried out using a virtual card number (a token).
Each transaction is additionally protected by a dynamic security code that changes with every payment, ensuring a high level of security.
Where can you use Google Pay?
Google Pay can be used:
- At all contactless POS terminals;
- For everyday purchases in retail stores;
- Domestically and abroad;
- Anywhere contactless Mastercard payments are accepted.
Benefits of the Google Pay service
Fast and simple contactless payments;
No need to carry a physical card;
Additional protection of card data;
Secure payments domestically and abroad;
Convenient everyday use.
Frequently Asked Questions
Google Pay is not a product of the Bank, but a platform owned by Google that provides Hipotekarna Banka customers with an additional channel for contactless payments via Android devices, offering a fast, simple, and secure way to perform payment transactions using NFC technology.
The Google Pay service can be used on mobile phones that run the Android operating system, support NFC technology, and have the Google Wallet app installed.
To make a payment, you need to unlock your mobile phone and hold it near a contactless POS terminal. The payment is confirmed using the device’s lock method (PIN, fingerprint, or facial recognition).
No. The use of the Google Pay service is free of charge. All transactions are processed under the same conditions as payments made with a physical card.
Yes. A single customer can add their Mastercard card to multiple devices that support Google Pay. When the card is added, tokenization is performed, which further increases the security of the service.
Yes. You can add multiple Mastercard cards to the Google Wallet app and select a default payment card or choose a card just before completing a transaction.
No. The PIN of the physical card is not used as an authentication method when paying via the Google Pay service. Payments are confirmed using the mobile device’s unlock method.
You can remove the card from the Google Wallet app by selecting the card and choosing the option to remove or deactivate it.
An internet connection is not required for contactless payments at POS terminals. However, an internet connection is needed when adding a card and for occasional security data updates.
Yes. The Google Wallet app displays the most recent transactions made using the device on which Google Pay is activated.
Within the Google Pay service, supported Hipotekarna Banka Mastercard debit and credit cards can be used.
No. If you are a Mastercard payment card holder of Hipotekarna Banka, it is not necessary to additionally arrange the service at a branch. It is sufficient to add the card to the Google Wallet app.
The daily limits for using the Google Pay service are the same as the limits defined for your physical payment card.