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GOOGLE PAY


CUSTOMER SERVICE AND ERROR RESOLUTION POLICY

FOR

GOOGLE PAY ACCOUNT TRANSACTIONS
AND

BILL PAYMENT TRANSACTIONS

Applicability: This Google Pay Customer Service and Error Resolution Policy for
Google Pay Account Transactions and Bill Payment Transactions ("Policy") applies
to Person-to-Person/Peer-to-Peer Payment Transactions (“P2P Payments”), Google
Pay Balance Card (“GPB Card”) transactions, Bill Payment transactions (“Bill
Payments”) and other Google Pay account transactions (which transactions are
collectively referred to as “Services” in this Policy) affecting a Google Pay
user (“Customer”). These Services are provided to you by Google Payment Corp.
("GPC").

This Policy does not apply to transactions with the Processing Service for Third
Parties or other Google Pay features. This Policy also does not apply to Google
Pay features or other services provided to you by Google affiliates of GPC.
Please see the Google Pay/Google Payments Additional Terms of Service (U.S.) for
information relating to these features or other services.

For purposes of these disclosures, the business days of GPC are Monday through
Friday. Holidays are not included as business days.

Capitalized terms used in this Policy have the meanings stated in the Google
Pay/Google Payments Additional Terms of Service (U.S.), unless otherwise defined
in this Policy.

Section 1. Cancellation or Refunds Generally

Except as stated in the "Cancellation or Refunds of P2P Payments" section, the
“Refunds of Bill Payments” section and the "EFT Error Resolution Policy" section
below, all payments processed through the Services are non-refundable to you.
You may not use the Services to reverse, chargeback or cancel a completed
payment transaction using the Services.

Section 2. Rights With Your Account Holding Financial Institution

In addition to the rights you have under this Policy, you also may have refund
or other rights under your agreement with the financial institution holding your
Funding Account. You would need to contact your financial institution and/or
review your agreement with the financial institution governing your Funding
Account for more information.

Section 3. Disputes Between Customers Or With Merchants

Customers are solely responsible for disputes between Customers, and GPC is not
a party to and will not be responsible for any disputes between Customers.
Customers are solely responsible for disputes with merchants, and GPC is not a
party to and will not be responsible for any disputes between a Customer and a
merchant.

Section 4. Cancellation or Refunds of P2P Payments

If you send money to a Recipient from your Google Pay Balance or your Funding
Account, except for instant transfers and P2P Payments to a Recipient who does
not have a qualifying Google Pay account, GPC generally will use commercially
reasonable efforts to make funds available to the Recipient no later than three
(3) business days after GPC receives final settlement of your funding
transaction. A requested P2P Payment is complete when funds are (i) credited to
the Recipient’s Google Pay Balance or reflected in the Recipient’s Google Pay
account interface, and are available for use or withdrawal by the Recipient or
(ii) directed by the Recipient to the Recipient's bank account (via the
Recipient's debit card or the ACH network).

The Recipient must download the Google Pay mobile app and have a qualifying
Google Payments account in good standing in order for the funds resulting from
the P2P Payment to become available to him or her. If you wish to send a P2P
Payment to a Recipient who does not have a qualifying Google Pay account, an
invitation will be sent to the Recipient to create a Google Pay account in order
to, among other things, accept and receive the P2P Payment from you. Such a
Recipient may be required to take certain other actions, such as providing GPC
with additional registration information, or accepting the Google Pay/Google
Payments Additional Terms of Service (U.S.), in order for the P2P Payment
request to be completed. GPC is not responsible if the intended Recipient does
not have or create such accounts necessary or take any other actions required to
receive a P2P Payment. If the intended Recipient does not take the required
actions needed to complete the P2P Payment request, the funds will be refunded
to the Google Pay Balance or Funding Account you designated to fund the
transaction to the extent possible, minus applicable fees to the extent
permitted by applicable law.

The Sender may request that GPC cancel the P2P Payment prior to completion of
the P2P Payment as described above in this Section. The Sender may request
cancellation of the P2P Payment by contacting GPC via our Contact Us page, by
using one of these forms, or by calling 1-888-986-7944. GPC will use
commercially reasonable efforts to cancel the P2P Payment upon request by the
Sender. In the event that GPC is able to cancel the P2P Payment, the funds will
be credited to the Sender’s Funding Account or Google Pay Balance that was used
to fund the P2P Payment to the extent possible. GPC may deduct applicable fees
from the recredited funds, to the extent permitted by applicable law. P2P
Payments that have been completed as set forth in this Section are ineligible
for cancellation.

Section 5. Cancellation or Refunds of Bill Payments

GPC cannot assist with a stop payment request for any scheduled Bill Payment
transaction using a Payment Method that is a credit card; in such case, you must
contact your credit card issuer directly.

The following applies only to a bill payment which is a Recurring Payment using
a Payment Method that is a debit card or that debits or charges your bank
account (automated clearing house payment (ACH)-enabled). You can stop payment
by calling us at 1-855-524-1107, or writing us at Google, Nest Renew 1600
Amphitheatre Parkway Mountain View, CA 94043 in time for us to receive your
request at least three (3) business days or more before the scheduled date of
the Bill Payment transaction. If you call, we may also require you to put your
request in writing and get it to us within 14 days after your call, and your
oral stop payment order will cease to be binding after the 14 day period if you
fail to provide the requested written confirmation. If you order us to stop
payment of a Bill Payment transaction three (3) business days or more before the
payment is scheduled, and we do not do so, we will be liable for your losses or
damages. GPC will not be able to stop payment of a Bill Payment transaction
which has cleared at the time GPC receives your stop payment request. GPC also
may not be able to stop payment if it does not have a reasonable opportunity to
act on your stop payment request before the Bill Payment transaction has been
processed.

Section 6. EFT Error Resolution Policy

This Section 6 - EFT Error Resolution Policy only applies to Google Pay
transactions, Bill Payment transactions, and P2P Payments subject to the
Electronic Fund Transfer Act. In particular, we apply this Section 6 - EFT Error
Resolution Policy to:

Error claims by consumer Recipients of P2P Payments; Error claims by consumer
Senders regarding P2P Payments funded by the Sender’s Google Pay Balance, ACH
debit from a checking or savings account, or debit card; Error claims regarding
funds received by a consumer Customer to a Google Pay Balance from a debit card,
or via ACH from a checking or savings account; Error claims regarding funds
reflected in a Google Pay account or Google Pay Balance (as applicable)
transferred by a consumer Customer to a debit card, or via ACH to a checking or
savings account; Error claims regarding purchases paid for with a Google Pay
Balance or GPB Card held by a consumer Customer or any other Google Pay Balance
or GPB Card transaction of the consumer Customer; Error claims on a Google Pay
Balance held by a consumer Customer; and, Error claims regarding your Bill
Payment transaction.

This EFT Error Resolution Policy DOES NOT apply to payments to a Seller through
the Processing Service for Third Parties.

A. Notification to GPC of An Error on Your Google Pay Transaction, GPB Card
Transaction or with a P2P Payment Subject To This Section 6 - EFT Error
Resolution Policy



In the event that you think that there is an error in your Google Pay
transaction, GPB Card transaction or P2P Payment subject to this Section 6 – EFT
Error Resolution Policy, or you have questions or need more information about
that Google Pay transaction, GPB Card transaction or P2P Payment, please contact
us via our Contact Us page, by using one of these forms, or by calling
1-888-986-7944.

We must hear from you via one of the methods described above no later than 60
days after we made available to you the FIRST statement or other documentation
regarding the Google Pay transaction, GPB Card transaction or P2P Payment on
which the problem or error appeared.

> (1) Tell us your name and your email address associated with your Google Pay
> account.
> 
> (2) Describe the error or the transfer you are unsure about and explain as
> clearly as you can why you believe it is an error or why you need more
> information.
> 
> (3) Tell us the dollar amount of the suspected error.

For your P2P Payments funded from your checking or savings account or from your
debit card, this 60-day notification period is extended to 90 days after the
transmittal by the financial institution holding your Funding Account of the
FIRST periodic statement on which the funding transaction appeared. For your P2P
Payments, GPB Card transaction or your Google Pay Balance funded from your
checking or savings account or from your debit card, we may extend this 60-day
notification period (or 90-day notification period for your P2P Payment funded
from your checking or savings account or from your debit card) if a delay
resulted from your initial attempt to notify the financial institution holding
your Funding Account.

If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we
hear from you and will correct any error promptly. If we need more time,
however, we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will issue a provisional credit to your Google Pay
Balance, funds held by us and reflected in your Google Pay account interface (if
no activated Google Pay Balance) or Funding Account within 10 business days for
the amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation.

For errors involving new Google Pay accounts or foreign-initiated transactions,
we may take up to 90 days to investigate your complaint or question. For new
Google Pay accounts, we may take up to 20 business days to issue a provisional
credit to your Google Pay Balance, funds held by us and reflected in your Google
Pay account interface (if no activated Google Pay Balance) or Funding Account
for the amount you think is in error.

We will tell you the results within 3 business days after completing our
investigation. If we decide that there was no error, we will send you a written
explanation by email or U.S. mail. If we had issued a provisional credit to your
Google Pay Balance, funds held by us and reflected in your Google Pay account
interface (if no activated Google Pay Balance) or Funding Account for the error,
such credit will be reversed and the written explanation will include notice of
such reversal. You may ask for copies of the documents that we relied on in
making our determination that there was no error.

ALL QUESTIONS ABOUT P2P PAYMENTS YOU HAVE SENT, YOUR GPB CARD TRANSACTIONS OR
YOUR GOOGLE PAY BALANCE FUNDED FROM YOUR CHECKING OR SAVINGS ACCOUNT OR FROM
YOUR DEBIT CARD MUST BE DIRECTED TO US, GPC, AND NOT TO THE FINANCIAL
INSTITUTION WHERE YOU HAVE YOUR FUNDING ACCOUNT. We are responsible for the
Services and for resolving any errors in your Google Pay transaction or P2P
Payment subject to this Section 5 – EFT Error Resolution Policy.

We will not send you a periodic statement listing P2P Payments you have sent
funded from your checking or savings account or from your debit card. These
transactions will appear only on the statement issued by the financial
institution holding your Funding Account. SAVE THE RECEIPTS YOU ARE GIVEN WHEN
YOU SEND A P2P PAYMENT FUNDED FROM YOUR CHECKING OR SAVINGS ACCOUNT OR FROM YOUR
DEBIT CARD, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM THE
INSTITUTION HOLDING YOUR FUNDING ACCOUNT. If you have any questions about one of
these P2P Payments, call or write us at the telephone number and address
indicated above.

IF YOUR GOOGLE PAY ACCOUNT USERNAME AND PASSWORD, OR YOUR GPB CARD PIN IS LOST
OR STOLEN, NOTIFY US AT ONCE by calling or writing to us at the telephone number
and address indicated above.

B. Notification to GPC of An Error on Your Bill Payment Transaction Subject To
This Section 6 - EFT Error Resolution Policy

In the event that you think that there is an error in your Bill Payment
transaction subject to this Section 6 – EFT Error Resolution Policy, or you have
questions or need more information about your Bill Payment transaction, please
contact us by calling us at 1-855-524-1107, using the “Contact Us” form at
http://nestrenew.google.com, or mailing or delivering your written request to
Google, Nest Renew, 1600 Amphitheatre Parkway Mountain View, CA 94043.

We must hear from you via one of the methods described above no later than 90
days after the date the issuer of your Payment Method made available to you the
FIRST statement or other documentation on which the problem or error appeared.

> (1) Tell us your name and your email address associated with the Bill Payment
> transaction.
> 
> (2) Describe the error or the transfer you are unsure about and explain as
> clearly as you can why you believe it is an error or why you need more
> information.
> 
> (3) Tell us the dollar amount of the suspected error.

For Bill Payments funded from your checking or savings account or from your
debit card, we may extend the applicable notification period if a delay resulted
from your initial attempt to notify the financial institution that maintains
your checking or savings account or issued your debit card.

If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we
hear from you and will correct any error promptly. If we need more time,
however, we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will issue a provisional credit to your Payment Method
debited or charged for the Bill Payment transaction in question within 10
business days for the amount you think is in error, so that you will have the
use of the money during the time it takes us to complete our investigation. If
we ask you to put your complaint or question in writing and we do not receive it
within 10 business days, we may not provisionally credit your account.

For errors involving new users of the Bill Payment Service, we may take up to 90
days to investigate your complaint or question. For new users of the Bill
Payment Service, we may take up to 20 business days to issue a provisional
credit to your Payment Method debited or charged for the Bill Payment
transaction in question for the amount you think is in error.

We will tell you the results within 3 business days after completing our
investigation. If we decide that there was no error, we will send you a written
explanation by email or U.S. mail. If we had issued a provisional credit to your
Payment Method debited or charged for the Bill Payment transaction in question
for the error, such credit will be reversed and the written explanation will
include notice of such reversal. You may ask for copies of the documents that we
relied on in making our determination that there was no error.

ALL QUESTIONS ABOUT TRANSACTIONS MADE USING THE BILL PAYMENT SERVICE MUST BE
DIRECTED TO US (GPC), AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE
YOU HAVE YOUR PAYMENT METHOD ACCOUNT. We are responsible for the Bill Payment
Service and for resolving any errors in transactions made using the Bill Payment
Service.

C. Unauthorized Payment Transactions

Statement of Your Liability. Please tell us IMMEDIATELY if you believe your
Google Pay account username and password or your GPB Card PIN has been lost or
stolen. You may contact us via our Contact Us page, by using one of these forms,
by calling 1-888-986-7944, or by writing to us at:

Google Payment Corp. – Complaints Handling

P.O. Box 727

Mountain View, CA 94042

Please be aware that you could lose all the money in your Google Pay Balance or
held by us and reflected in your Google Pay account interface (if no activated
Google Pay Balance) or your Funding Account. For your P2P Payments funded from
your checking or savings account or from your debit card, this 2-day business
day notification period is extended to 4 business days.

If you inform us within 2 business (or 4 business days for your P2P Payment
funded from your checking or savings account or from your debit card) days after
you learn of the loss or theft of your Google Pay account username and password
or your GPB Card PIN, you can lose no more than $50 if someone used your Google
Pay account username and password or GPB Card without your permission. However,
if you do NOT inform us within 2 business days (or 4 business days for your P2P
Payment funded from your checking or savings account or from your debit card)
after you learn of the loss or theft of your Google Pay account username and
password or your GPB Card PIN, and we can prove we could have stopped someone
from using your Google Pay account username and password or GPB Card without
your permission if you had informed us, you could lose as much as $500.

Also, if your Google Pay account statement shows P2P Payments, GPB Card
transactions or other transfers that you did not make, please tell us at once.
If you do not tell us within 60 days (or 90 days for your P2P Payment funded
from your checking or savings account or from your debit card) after the
statement was made available to you, you may not get back any money you lost
after the 60 days (or 90 days for your P2P Payment funded from your checking or
savings account or from your debit card) if we can prove that we could have
stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) prevents you from
informing us within the 60-day (or 90-day for your P2P Payment funded from your
checking or savings account or from your debit card) time period, we may extend
the time periods.

Contact in event of unauthorized Google Pay account, GPB Card transactions or
Google Pay Balance transfers. If you believe your Google Pay account username
and password, your GPB Card PIN or your GPB Card has been lost or stolen or that
someone has initiated a P2P Payment, GPB Card transaction or otherwise
transferred money from funds we hold and reflect in your Google Pay account (if
no activated Google Pay Balance) or your Google Pay Balance without your
permission, contact GPC as indicated above in the "Statement of Your Liability"
section.

Statement of Your Liability - Bill Payment Transactions.

This section only applies to Bill Payment transactions funded by your debit
card, or from your checking or savings account.

Please tell us IMMEDIATELY if you believe your Bill Payment Service username and
password have been lost or stolen. You may contact us by calling us at
1-855-524-1107, using the “Contact Us” form at http://nestrenew.google.com, or
mailing or delivering your written request to

Google

Nest Renew

1600 Amphitheatre Parkway

Mountain View, CA 94043

If you tell us within 4 business days after you learn of the loss or theft of
your Bill Payment Service username and password, you can lose no more than $50
if someone used your Bill Payment Service username and password without your
permission. If you do NOT tell us within 4 business days after you learn of the
loss or theft of your Bill Payment Service username and password, and we can
prove we could have stopped someone from using your Bill Payment Service
username and password without your permission if you had told us, you could lose
as much as $500.

Also, if your Payment Method statement shows Bill Payment transactions that you
did not make, please tell us at once. If you do not tell us within 90 days
(after the statement was made available to you, you may not get back any money
you lost after the 90 days if we can prove that we could have stopped someone
from taking the money if you had told us in time. If a good reason (such as a
long trip or a hospital stay) kept you from telling us within the 90-day time
period, we will extend the time periods. Contact in event of unauthorized Bill
Payment transactions. If you believe someone has initiated a Bill Payment or
otherwise engaged in a Bill Payment transaction without your permission, contact
GPC as indicated above in the "Statement of Your Liability - Bill Payment"
section.

D. Our Liability to You For Errors Involving Google Pay Transactions, GPB
Card Transactions or P2P Payments Subject To This Section 6 - EFT Error
Resolution Policy  

If we do not complete a Google Pay transaction, GPB Card transaction or P2P
Payment subject to this Section 6 – EFT Error Resolution Policy on time or in
the correct amount according to our Terms of Service agreement, we will be
liable for your losses or damages to the extent required under the federal
Electronic Fund Transfer Act. However, there are some exceptions. We will not be
liable, for instance:

> (1) If, through no fault of ours, you do not have enough money in your Google
> Pay Balance, funds held by us and reflected in your Google Pay account
> interface (if no activated Google Pay Balance) or other Payment Method to make
> the Google Pay transaction, GPB Card transaction or P2P Payment.
> 
> (2) If, through no fault of ours, a merchant refuses to accept your GPB
> Card or honor a transaction using your Google Pay Balance or other Payment
> Method.
> 
> (3) The merchant authorizes an amount greater than the purchase amount.
> 
> (4) If the Service was not working properly and you knew about the problem
> with the Service when you started the Google Pay transaction, GPB
> Card transaction or P2P Payment.
> 
> (5) If the transaction information supplied by you or a third party is
> incorrect or untimely.
> 
> (6) If circumstances beyond our control (such as fire or flood) prevent us
> from completing the Google Pay transaction, GPB Card transaction or P2P
> Payment, despite reasonable precautions that we have taken.
> 
> (7) If access to or use of your GPB Card has been blocked after you reported
> your GPB Card PIN lost or stolen.
> 
> (8) If there is a hold or your funds are subject to legal process or other
> encumbrance restricting their use; or
> 
> (9)  If we have reason to believe the requested transaction is unauthorized.

There may be other exceptions set forth in the Google Pay/Google Payments
Additional Terms of Service (U.S.), this Customer Service and Error Resolution
Policy or our other agreements with you.

E. Our Liability to You For Errors Involving Bill Payment Transactions Subject
To This Section 6 - EFT Error Resolution Policy

If we do not complete a Bill Payment transaction subject to this Section 6 – EFT
Error Resolution Policy on time or in the correct amount according to our Terms
of Service agreement with you, we will be liable for your losses or damages to
the extent required under the federal Electronic Fund Transfer Act. However,
there are some exceptions. We will not be liable, for instance:

> (1) If, through no fault of ours, your account does not have enough money to
> make the Bill Payment;
> 
> (2) If, through no fault of ours, a biller refuses to honor a transaction
> using your chosen form of payment;
> 
> (3) If your form of payment is not valid;
> 
> (4) If the Bill Payment system was not working properly and you know about the
> problem with the system when you started the Bill Payment transaction;
> 
> (5) If the transaction or biller account information supplied by you or a
> third party is incorrect or untimely;
> 
> (6) If circumstances beyond our control (such as flood or fire) prevent us
> from completing the Bill Payment transaction, despite reasonable precautions
> that we have taken;
> 
> (7) If the biller authorizes an amount greater than the Bill Payment
> transaction amount;
> 
> (8) If the transaction is restricted because of potentially suspicious
> activity.

There may be other exceptions set forth in the Google Pay/Google Payments
Additional Terms of Service (U.S.), this Customer Service and Error Resolution
Policy or our other agreements with you.

Section 7. DISCLAIMER OF ANY OTHER LIABILITY. EXCEPT AS OTHERWISE STATED ABOVE
OR AS PROVIDED BY LAW, IN NO EVENT SHALL GPC BE LIABLE FOR DAMAGES FOR DELAY,
NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF A PAYMENT TRANSACTION, WHETHER CAUSED
BY AN ACT OR OMISSION OF GPC, ITS EMPLOYEES, AGENTS OR OTHERWISE. THE SOLE
REMEDY AGAINST GPC SHALL BE LIMITED TO REFUND TO CUSTOMER OF THE PRINCIPAL OF
THE PAYMENT TRANSACTION AMOUNT PLUS FEES AND CHARGES, EXCEPT AS OTHERWISE
PROVIDED BY LAW. IN NO EVENT SHALL GPC BE LIABLE FOR SPECIAL, INDIRECT,
INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES EXCEPT AS OTHERWISE
PROVIDED BY LAW.

Section 8. Information Regarding State Regulators.

Please see the
website https://support.google.com/googlepay/answer/7160765?hl=en for a list of
the jurisdictions in which Google Payment Corp. holds a money transmitter or
other license and information on how to contact the regulatory authority in
those jurisdictions.

(10-27-2021)


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