Android Pay

Choice, simplicity and security

Add your M&S Bank Debit and Credit Cards to Android Pay™ on almost any Android deviceFootnote 1*. You'll then be ready to pay simply and securely anywhere contactless payment is accepted.

Download, add and pay

Download – First, download Android Pay from Google Play Store.

Add – Add your M&S Bank Debit and Credit Cards to the Android Pay app following the instructions below.

Pay – Use Android Pay wherever you see the Android Pay and contactless logo in stores, or wherever you see the 'Buy with Android Pay' button in participating apps.

Set up Android Pay now

How to add a card

Step 1

Open the Android Pay app on your phone and tap the "+" sign.

M&S Bank - Android pay step 1

Step 2

When you're prompted to add a credit or debit card, line up your M&S Bank card within the frame on the screen to capture your card details or enter your card information manually.

M&S Bank - Android pay step 2

Step 3

When prompted, please select how you would like to receive your one-time passcode which will be sent to you by SMS or email, then enter it into the appropriate field.

M&S Bank - Android pay step 3

Step 4

Once it's verified, your M&S Bank card is ready to use with Android Pay.

M&S Bank - Android pay step 4

There is no limit to the number of cards you can add to your device. The same card can be added on up to eight devices. The first card added to Android Pay will be the default card. Payments will always be made from your default card; you can change this at any time by selecting the alternative card and tapping "Set as default card".

Paying in store

To pay with Android Pay in stores, just wake the device and hold it against the contactless payment terminal. You may need to unlock for some transactions (for example when transactions exceed £30).

Payments will be made from your default card; you can change this at any time by selecting the alternative card and tapping "Set as default card".

Paying in app

To pay with Android Pay in participating apps:

Select 'Buy with Android Pay' and your payment will be processed quickly and securely (additional verification may be required).

Footnote 1*[1]Works with most NFC capable Android™ devices running Android 4.4 (KitKat®) and higher.

Android, Android Pay and the Android logo are trademarks of Google Inc.

The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License. Android Pay is subject to status. Using your M&S Credit or Debit Card with Android Pay is subject to terms and conditions.

FAQs

What is Android Pay?

Android Pay is a way to pay in stores and within participating apps using a compatible Android device. Simply download Android Pay from the Google Play Store, add your M&S Bank Credit or Debit Cards, and you can transact using Android Pay.

Which devices are compatible with Android Pay?

Android Pay works with most NFC capable Android™ devices running Android 4.4 (KitKat®) or higher.

Which M&S Bank cards can I use with Android Pay?

M&S Bank Credit and Debit Cards are eligible for use with Android Pay, subject to status.

How can I get Android Pay?

Download Android Pay from the Google Play Store. If you have already registered a card to Google Play, you can simply add that card to the Android Pay app by confirming a few details. You can also add a new card by lining up your M&S Bank card within the frame on the screen to capture your card details or by entering your card information manually.

How do I use Android Pay?

In store

  1. Wake up your device. There is no need to open the app.
  2. Hold the back of your device against the contactless payment terminal.
  3. You may need to unlock for some transactions (for example when transactions exceed £30).

In app

Just select the 'Buy with Android Pay' button at checkout within participating apps.

Where can I use Android Pay?

In store

You can use Android Pay in any stores that currently accept contactless payments – just look for the contactless or Android Pay symbols. It can also be used for travel with TfL on buses and the London Underground.

A £30 limit will apply in some cases: ask the retailer for further details.

In app

You can pay in any app where you see the 'Buy with Android Pay' button. A list of participating apps can be found on Google's website: http://www.android.com/intl/en_uk/pay/

Is Android Pay free to use?

M&S Bank won't charge you for using Android Pay, but charges from your mobile network provider may apply depending on your data plan.

Is Android Pay safe to use?

Yes. When you shop using Android Pay, it doesn't send your actual credit or debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe.

What if my Android device is lost or stolen?

While we hope that never happens, it's a good idea to enable the remote location access for your device in advance, in case you need to search for it. To enable the remote location access, so that you can remotely lock your device or do a factory reset, take these steps:

  1. Sign in to your Google account on your device in order to use the Android Device Manager.
  2. To turn on the location access from your device's apps menu, open Google Settings and touch security.
  3. Under Android Device Manager, move the switches next to 'Remotely locate this device' and 'Allow remote lock and factory reset' to the on position.

If your phone is 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.

Alternatively, you can call us on 0345 900 0900 to suspend or remove your card from Android Pay.

What should I do if I lose my card?

If you lose your card, please contact us immediately on 0345 900 0900. Your actual card will be deactivated, and you will not be able to continue to use Android Pay with this card. When we issue you a new card, you will need to register it with Android Pay again.

What is the virtual account number and how do I find it?

Your credit and debit card information are assigned a unique virtual account number, so your full card details are never shared with the store. To view the last four or five digits of your virtual account number go to 'Card details' or 'Transaction details'.

How do I return an item purchased with Android Pay?

For purchases made with Android Pay, you use your virtual account number to process a return. To view the last four or five digits of the virtual account number go to 'Card details' or 'Transaction details'. Otherwise select the card on Android Pay that you used to make the purchase and hold your device near the contactless terminal.

What happens when I replace or update my device?

If you replace or update your device, you will need to add your card(s) to Android Pay again.

Please ensure that you delete your card(s) details from any device before selling, exchanging, or disposing of them. You should also delete your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

You can remove a card from Android Pay at any time. Select the card within the Android Pay app, and tap 'Remove card'.

I have been prompted for a one-time passcode. What is this and why is it required?

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via email or text. If prompted, please select how you wish to receive the one-time passcode and then enter it into the appropriate field.

What should I do if I still have questions or need assistance with Android Pay?

Please contact us on 0345 900 0900.

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via email or text. If prompted, please select how you wish to receive the one-time passcode and then enter it into the appropriate field.

Do I need a data connection to use Android Pay?

You will need a mobile data or WiFi connection to add a card to Android Pay.

In most circumstances you do not need a mobile data or WiFi connection to transact using Android Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.

Android, Android Pay and the Android logo are trademarks of Google Inc.

The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License. Using your M&S Credit or Debit Card with Android Pay is subject to terms and conditions.

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