MartinGZ:

 

David321:

 

...But if someone else uses your card then we can assist in getting funds back via the Zero liability policy with Visa."

 

 

Note he is not talking about Google Pay, but your card. I would only take what is written in the T&C.

 

That KB Clause 5 is open to interpretation. Is that second sentence referring to the first sentence where someone else has access to your device or is it stand alone. As there is no sort of conjunction, I see it as standalone, but I see it could be interpreted otherwise. 

 

But it gets worse.

 

"What is the maximum amount I can make in a single transaction?
There's no specific transaction limit for Google Pay transactions on Kiwibank credit cards, however you'll need to stay within the daily Kiwibank Visa Debit Card purchase limit if you're using your Visa Debit Card to pay for your purchase."

 

My emphasis, KB source

 

I have a relatively low credit card limit on purpose (to limit liability), so this does alarm me. Why is this not in the T&C?

 

I don't use my debit card for online transactions to limit liability, but given the above, if I use Google Pay linked to my credit card, liablity skyrockets. Just dumb!

 

I had a quick squiz at another random bank. Although Westpac NZ seem to be much more user friendly than KB in their T&C, they too cover their backsides:

 

"24. You agree that you will be responsible for all transactions made using your Westpac card with Google Pay following successful login to your device. In particular, you agree that each time your Android device registers a login to perform a transaction using a Westpac card in the Google Wallet app, you instruct us to perform that transaction in accordance with these Terms and the General Terms and Conditions."

 

Westpac Source

 

Personally, I've never quite seen the attraction of Google Pay, still undecided. But all this is not exactly positive even though my phone is locked down as much as possible.

 

I pressed Kiwibank for a better explanation from them rather than the persons "From my understanding" they came back with this 



They have left me with no confidence they will honor the security guarantees that visa states are on offer to all users of their cards, pretty poor really, I certainly wont be using google pay on my phone if Kiwibank won't uphold the visa zero liability policy.