Google Pay

Pay on the go with Ahlibank Visa Cards and Google Pay™

Introducing Google Pay™! Make contactless payments with your Ahlibank Visa Debit & Credit Cards added on Android devices.

Google Pay™ works everywhere contactless payments are accepted, making your shopping experience more secure, fast and convenient.

Setting up Google Pay™ is so easy

To set up Google Pay™ App:

On Android Phones:
  • Make sure your device has the latest software
  • Download Google Pay™ from Google Play™
  • Log in using your Google account
  • Add your Card by taking a picture of it or enter the Card details manually
  • Verify additional information and accept the Terms and Conditions
  • Enter the OTP and click Submit
  • You are now ready to use Google Pay™

On Android Watch:

  • Make sure your device has the latest software
  • Download Google Pay™ from Google Play™
  • Open the Google Pay™ app on your Watch
  • Tap Get started
  • Follow the instructions on your phone to add a Credit or Debit Card*

*Note:This only adds a card to the Google Pay™ app on your watch (not your phone).

How to add card

How to pay:

Use Google Pay™ to pay in stores, in Apps, and online with your Android and Wearable OS devices. Use Google Pay™ whenever you see one of the below symbols:

To purchase in stores, make sure your phone has NFC turned on.

How to pay

Terms and conditions apply.


Google Pay is the fast, simple way to pay in millions of places - online, in stores, and more. It brings together everything you need at checkout and keeps your information safe and secure. You can pay with your Android device and using an eligible Ahlibank Debit and/or Credit Cards. Google Pay can be used everywhere contactless payments are accepted.
Google Pay may be preloaded on select devices. If your device does not have the app, simply download it from Google Play. Google Pay requires that you sign-into your Google account before you register any credit/debit cards. During setup of Google Pay, you will be prompted to create a Google Pay PIN, pattern, or password. For select devices running Google Marshmallow 6.0 or later, you may use your fingerprint to verify transactions.
Google Pay protects your payment info with multiple layers of security, using one of the world's most advanced security infrastructures to help keep your information safe. When you use your phone to pay in stores, Google Pay doesn't send your actual credit or debit card number with your payment. Instead, a virtual account number is used to represent your information - so your card details stay safe.
All Ahlibank Debit and Credit Card holders using Near Field Communication (NFC)-enabled Android Lollipop 5.0 and above devices can use Ahlibank Pay.

The Near Field Communication (NFC) is the technology which allows your Smartphone to communicate with the terminal at any merchant accepting contactless transactions. Instead of inserting or swiping a card, payments can be made by placing the contactless Card or phone near the contactless payment terminal at stores.
All Android devices with Android Lollipop 5.0 and above are NFC enabled. You can additionally check for the NFC tab under your phone's Settings Menu.
Google Pay uses Near Field Communication (NFC) to make contactless mobile payments. This ensures that Google Pay will work everywhere contactless payment are accepted.

Near Field Communication (NFC) enables devices in close proximity to communicate without any physical contact. Payment transactions using NFC technology can be completed by simply waving the NFC enabled device on contactless terminals.
Yes. Google Pay can be used for online/e-commerce payments (via apps and Google Pay on web). Visit Google Pay About for more information.
If your card is lost or stolen, please contact us immediately on +974 4420 5222 . Your physical card will be blocked and a new card will be sent to you. Since the payment cards on Google Pay are digital versions of your physical payment cards, you need to remove the original payment card from Google Pay and register the replacement card.
No. Formatting your device will remove all payment cards registered on your device.
If your device is lost/stolen, please contact us immediately on +974 4420 5222 and we can block your card on Google Pay. We recommend that you also register for and use Find My Device. This will allow you to find, lock and delete details on your phone if it is lost or stolen.
No. Google Pay does not have access to your bank accounts.
You can register up to 6 cards in Google Pay. (Credit Cards, Debit Cards)
It's simple to add your Card to your compatible Android device:
  • Open the Google Pay app on your device and tap the "+" sign. (If you do not have the app, you can download it from the Google Play Store.)
  • Add your Card manually by entering your Card information or taking a picture of your Card
  • Verify or enter the additional information such as Cardholder Name, Expiration Date and Security Code (CVV)
  • Read and accept the Terms and Conditions for adding a card to a digital wallet by touching AGREE TO ALL.
  • Enter the Authentication Code received and touch SUBMIT
  • Once complete, your card is ready for use in Google Pay
You can use your Android device to make contactless payments with Google Pay wherever contactless payments are accepted. Just look for the contactless and/or Google Pay symbol at checkout and be sure that NFC is turned on your device.

To make a purchase, wake up the device and hold it near the contactless reader until your device beeps or vibrates and a checkmark appears on the screen indicating your purchase is complete. You may be prompted to unlock the device first by providing your PIN, passcode, pattern or fingerprint
The first card added in Google Pay would be the default card for payment. It will show as the first card in the list at the top of the screen. To change your default card:

  • Open Google Pay
  • On the lower right, tap Cards
  • Tap the card you want to make your default card
  • Tap Set as default
  • You can also open the Google Pay app, swipe left at the top to find the card you want to make default, then tap Pay with this card.
You would need an internet connection to add cards / disable cards from Google Pay and to check card available balance / limit. To make Google Pay transactions, you do not need to have a cellular data or Wi-Fi connection. Please note that Google Pay may require you to periodically login to the app and connect to the internet with your device to keep the app active.
The first card you add to Google Pay becomes your default payment card and will remain so unless you change it. To change your default card, or to make a payment using another card, drag the desired card to the front of the wallet.
Using Ahlibank cards with Google Pay is secure. There are number of security features Google Pay transactions have. Some of them:
  • Google Pay is safer than using a traditional credit or debit card. Every transaction Google Pay requires you to authenticate with your fingerprint or your passcode.
  • Your card number and identity aren't shared with the merchant, and your actual card numbers aren't stored on your device - instead a unique Token number is used.
  • All transactions are monitored by Ahlibank's risk and fraud detection systems
  • If your phone is lost or stolen, you can go to Find My Device to suspend or permanently remove the ability to pay from your device with Google Pay. Alternatively you can call us and delete the card from your lost/stolen phone. Your physical card can still be used.
You will get all the benefits, rewards and protection that your Debit or Credit Card currently provides when you pay with Google Pay.
Please pay with your physical card and contact Ahlibank at +974 4420 5222 for further assistance.
No charges for using Google Pay.
After completing a payment using Google Pay, payment confirmation will be displayed on your mobile screen. Additionally, you will continue to receive transaction alerts through SMS on your registered mobile number.
You will receive an immediate notification after each transaction made using Google Pay. When you open the card in the Wallet, you will only see the latest transaction made. When you navigate to the transaction tab (tap on your card in the Wallet to display) you will see your last 10 transactions. You will be able to see all transactions through the respective card statement in the Mobile Banking app.
You can continue to use Google Pay till your card expiry date. Once you receive and activate your renewed card, you will need to add it into Google Pay.
Your Google Pay transaction will be declined if your card is blocked or suspended.
If your old card was blocked when you placed a request for replacement, you will need to activate and add your new card to continue using Google Pay.
All data on your phone should be deleted before selling/giving away your device. You should also delete all cards you have added to Google Pay. You should also remove your card if you temporarily provide your device to someone else; for example if you need it repaired. If you replace or update your device, you will need to add your card(s) to Google Pay again.
If your card is lost or stolen, please call Ahlibank immediately on ++974 4420 5222 to report the same so we can block the card and replace it. This will ensure that there are no unauthorized transactions on your card. After we block your card you will not be able to use Google Pay. Please remember that you will remain liable for all transactions on your card until the time of reporting the loss to the bank. Please refer to the terms and conditions of card use on our website.
Removing cards from Google Pay will have no effect on your physical cards. You can continue to use your physical cards as you normally would. You can add your credit and debit cards back into Google Pay at any time.
Yes, you can. Follow the same steps to add her Supplementary Card into Google Pay but please note that since your mobile is registered to our system, you need to share Authentication code with her to verify the card. Once added, she can use her mobile to make payments with her supplementary card.
Yes, you can configure and use Google Pay on multiple devices.
In the event you are asked to provide the last 4 digits of the card when you make a Google Pay transaction, you should provide the merchant with the last 4 digits of the virtual account number or token, as that was the account number used in the purchase. You can locate the last 4 digits of the virtual account number in the Google Pay app on the Card details associated with the card you are using for your purchase, just tap on the card image to access the number.
  • Open the Google Pay
  • At the bottom right, tap Cards
  • Tap the card you want to remove
  • Scroll down, then tap Remove Card
To return something you bought with Google Pay you'll need your store receipt, just like you would for any other purchase. 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 Google Pay app.
The card image may not be an exact match. Keep in mind this doesn't affect how your cards work with Google Pay.
  • Never leave your device unattended
  • Use passcode or fingerprint recognition
  • Change your device passcode if you are doubtful anyone else knows it
  • Only register your own fingerprint and do not allow anyone else to add their fingerprints to your device
  • Please be aware of unsolicited messages asking you to reveal any personal or financial information, to allow access to your devices or to install software
  • Contact us as soon as possible if you suspect any unauthorized use of your device, if it is lost/stolen, or if you think your details have been compromised
  • Register for and use Find My Device. This will allow you to find, lock and delete details on your phone if it is lost or stolen
  • Make sure your contact details are up to date with us so we can get in touch with you quickly should we need to
There could be a number of reasons for this:
There could be a number of reasons for this:
  • There may be insufficient funds or credit limit available to make the transaction
  • The merchant does not accept Contactless payments. Not all retailers accept Contactless payments yet. Please use another payment method such as your debit or credit card with Chip and PIN authorization.
  • If you do any of the following on your device, all cards in the Wallet will be deleted:
  • Sign out of Google Account
  • Remove Passcode/Fingerprint
  • Formatting the device
Call us on +974 4420 5222

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