Google Pay™

1. An eligible CIBC credit or debit card:

• Any  CIBC Visa^* or MasterCard^® credit card except Corporate Classic and Corporate Classic Plus
• CIBC Advantage^® Debit Card

2. An Android device running Android Lollipop 5.0 or above (visit Google Pay’s support site for more information on eligible devices)

3. The Google Pay app downloaded on your device

4. A Google account

Adding a CIBC card to Google Wallet is easy.

Add a card with the CIBC mobile banking app:

1. Sign on to the mobile banking app.
2. Open the Menu.
3. Select “Settings and Security.”
4. Select “Google Pay Settings” and follow the on-screen instructions.

Add a card using your phone:

1. Open Google Wallet app on your device.
2. At the bottom right, select the + symbol.
3. Select “Add a credit or debit card.”
4. Use the camera to capture your card info or enter it yourself.
5. Follow the on-screen prompts, including accepting the terms and conditions.
6. For your security, you will be prompted to verify your card using a one-time verification code. You can choose to receive the code by email or SMS.
7. Enter your verification code and select “Done.”

When you add your CIBC credit or debit card to Google Wallet, your card is also added to Google PaymentsGoogle Payments. Open a new window in your browser.. Google Payments allows you to use your card to make payments in the Google Play Store and online with Google. 

To facilitate your participation in Google Pay, CIBC will share Google Pay transaction information with Google for each credit or debit card you have added to Google Wallet. Google will make this transaction information available for display on your device (for example, your most recent transactions and other receipt information collected from your use of other Google services, such as Google Maps). 

In addition, Google may use your information in an aggregated or anonymized form for the purpose of understanding performance and improving Google Pay. Google may combine additional information collected from your use of other Google services (e.g. Google Maps, Gmail) to improve your Google Pay experience. Merchants may also provide Google with certain transaction data relating to purchases made using an eligible Card in Google Wallet. Your transaction information will not be used by Google to generate targeted advertising, promotional offers or to improve other Google services.

Google’s use of your personal information is governed by Google Pay’s Terms of ServiceGoogle Pay’s Terms of Service. Open a new window in your browser..

Yes, you can set or change the default wallet on your device. Go to Settings, NFC and Payment, and select Tap and Pay. From there, you can select the mobile wallet you would like to set as your default.

You must set your default card in Google Wallet, which will be used to make your transactions. If you only have one card in Google Wallet, it will automatically be your default card.

To set your default card:

1. Open the Google Wallet app.
2. Select the card you want to make your default card. Select Set as default card. 

Yes. Any rewards or benefits available on your CIBC credit or debit card will apply to any purchase made using Google Pay, the same as if you used your physical card.

Google Pay has an enhanced transaction history that displays additional merchant information, which may include merchant name, logo and contact information. Your transaction history may include other relevant information collected from your use of other Google services, such as Google Maps.

If you make a Google Pay purchase, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Google Wallet transaction history, but the actual transaction amount is deducted from your account.

This happens frequently in places where:

• You can add a tip, such as restaurants and salons
• There can be a significant difference between the amount that's authorized initially and the actual transaction amount, such as hotels and car rental agencies