Android Pay

Pay your way

Use Android Pay with your T-Mobile® Android device to simply and securely make mobile payments. Just choose your device, add your debit or credit card, and you’re all set.

T-Mobile and Android Pay
With Android Pay, you can Tap and Pay with your smartphone at over 1.5 million locations.
Android Pay works on any NFC-capable Android phone.

Shop at these favorites.

You can use Android Pay at over 1.5 million locations in the U.S., with more locations being added all the time. Android Pay works with most debit or credit cards.

American Eagle Outfitters Best Buy Whole Foods Coca-Cola Macys Jamba Juice ToysRUs Walgreens Panera Staples Sports Authority

Just look for the Android Pay or “Tap and Pay” symbol.

T-Mobile and Android Pay
Android Pay works on any NFC-capable Android phone.

All the latest T-Mobile Android phones are Android Pay ready.

Android Pay works on T-Mobile Android phones that support NFC contactless payments—and it’s already installed. Shopping for a new phone? Check it out on phones like the Samsung Galaxy S® 6, the LG G4, and the HTC One® M9.

Already have a device? Download Android Pay
Card Safety

Your card info stays safe.

With Android Pay, your actual credit or debit card is never shared with merchants, so your card details stay safe.

Track Purchases

Keep track of your purchases.

You’ll receive payment confirmation for everything you buy, making it easy to catch any suspicious activity.


Peace of mind

If your device becomes lost or stolen, you can instantly lock it from anywhere, secure it with a new password, or wipe it clean with Android Device Manager.

Ready to pay your way?


What do I need to use Android Pay?

To use your Android phone to pay in stores, you need an NFC- and HCE-enabled Android device running KitKat 4.4+ and the Android Pay app. If you don’t already have the app on your device, you can download it from the Google Play Store.

Do I need to upgrade my Android Pay operating system to use Android Pay?

As long as you have an Android phone running KitKat 4.4+ that is NFC- and HCE-enabled (majority of Android phones in the U.S.), you do not need to upgrade.

How do I set up Android Pay?

First, download the Android Pay app from the Google Play Store.

Second, if you already have a card linked to your Google account, you can simply add that card to the Android Pay app by confirming a few details, or you can add a new card—it’s as simple as snapping a picture.

Where can I use Android Pay?

You can pay with your Android phone at any store that accepts contactless payments across the U.S. Tap and pay wherever you see one of these symbols:

Android Pay Logo Contactless Payment Logo
How do I use Android Pay?

To pay with Android Pay:

  1. Unlock your device. No need to open the app.
  2. Hold the back of your device near the contactless payment terminal.
  3. Your phone will beep or vibrate, and you will receive a confirmation on-screen to show that your payment was made.
Confirmation Icon
What payment cards can I use with Android Pay?

You can add major credit, debit, and prepaid cards to Android Pay. Check our website for the latest list of supported banks.

What happens if my phone is lost or stolen?

Android Device Manager will help you find, lock, and erase your phone. Also, you can simply search “Find my phone,” and Google will show you where it is on a map. Since your payment information is never stored in the phone, there’s no need to cancel your credit or debit card.

What is the virtual account number?

Your credit and debit card information is assigned a unique virtual account number that’s used at checkout, so your full card details are never shared with the store. Think of it as a digital stand-in for your payment information.

When will I need my virtual account number? How do I find it?

You’ll need your virtual account number if you would like to make a return on an item purchased with Android Pay.

To view the last four or five digits of your virtual account number, go to “Card details” or “Transaction details” within the Android Pay app menu.

How do I make a return with an item purchased with Android Pay?

With 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.” Or hold your device near the contactless terminal and select the card you used to make the purchase.

I was at a store with the NFC symbol, but Android Pay didn’t work. Why?

Android Pay works at over one million locations across the United States, wherever contactless payments are accepted. There are, however, some stores that accept contactless payments but do not accept Android Pay. In this case please use cash or your plastic debit or credit card to pay for your items.

Why is the charge amount on my receipt higher than the actual amount?

Certain merchants like gas stations, hotels, and car rental businesses obtain authorization for an estimated purchase amount. This charge amount may exceed the actual amount of your purchase and will be withheld until the transaction clears. Contact your bank or check your monthly statement to verify transactions.

What should I do if I’m having difficulty adding a card?

Your bank is standing by to help. Call the number on the back of your card.

If asked whether to use credit or debit, which should I choose?

For the best experience with Android Pay, we recommend you select credit. By selecting debit, you may be asked to enter your PIN.

Will I continue to receive the benefits and rewards from my credit and debit card company?

With cards from participating banks, you will continue to receive all the security, benefits, and rewards with Android Pay as you do with your credit card.

For all other cards, certain benefits and rewards may not be applied when using Android Pay, such as merchant-specific rewards (e.g., double points at a specific merchant with a specific card). Applicability of rewards and other benefits (such as purchase protection or insurance) will be decided by your card-issuing bank, and not Android Pay.

How secure is Android Pay?

We have a multilayered security approach with Android Pay: payment information is encrypted and constantly monitored for malware and fraud. We don’t share the actual 16-digit card number with merchants during the transaction, and we don’t store it on the phone. If a phone gets lost or stolen, you can disable the account at any time, and because the actual card number is not stored on the device, there is no need to cancel it. Finally, we also use a dynamic security code that changes with each transaction, so that even if someone were to hijack a merchant, they wouldn’t get access to our users’ credentials. If your phone is ever lost or stolen, you can easily find, lock, and erase your phone using Android Device Manager.

I’m a merchant. How can I accept Android Pay in my store?

Android Pay works with most credit or debit cards, across any NFC- and HCE-enabled Android device running KitKat 4.4+. All you’ll need is a contactless point of sale terminal. Contact your payment provider and tell them you need an NFC (Near Field Communication) terminal so that you can begin accepting Android Pay.

What is the difference between Android Pay and Google Wallet?

Android Pay lets you use your phone to pay in stores and in apps with most credit or debit cards, across all NFC-enabled Android devices.

The new Google Wallet app lets you send and request money. All you need is a US debit card and an email address. You can transfer any funds you’ve received directly to your bank account, or spend them instantly using the Google Wallet Card.