Google Pay –an easier way to pay.

Pay quickly and safely with your Android device in stores and online.

Why Google Pay™?

Your payment card is always with you on your phone

You don’t need to bring your card to the store – just pay with your Android device, Pixel Watch or a Fitbit device that supports Google Pay.

Pay even bigger purchases without PIN

Use the Google Pay contactless payment even for purchases over 50 euros.

Your information stays secure.

Your payment card information will never be given to anyone during the payment transactions.

Setting up Google Pay is the easiest on OP-mobile

Set up Google Pay either on OP-mobile or on the Google Wallet™ app. Then add your card to Google Wallet, and you're ready to pay! Please notice that you need to be at least 16 years old to use Google Pay.

1. Open OP-mobile and log in.

2. Select the card you want to add.

3. Go to the top right corner and open card settings.

4. Tap Add to Google Pay. Follow the instructions and accept the terms of use.

How to set up Google Pay on OP-mobile

Open OP-mobile and log in.
Select the card you want to add.
Open card settings and tap Add to Google Pay.
Accept the terms of use. You can now start using Google Pay!

How to set up Google Pay on the Google Wallet app

Download the Google Wallet app on your phone.
Open the app and select Credit or debit card.
Enter your card's information as instructed.
Accept the terms of use.
Confirm adding the card on OP-mobile with your Mobile key. You can now start using Google Pay.

How to set up Google Pay on a Fitbit device

Download the Fitbit app and synchronise it with your Fitbit device.
Select Google Wallet on the app and then Add card.
Fill in the card details and accept the terms of use.
Confirm the addition of the card. If you are using an Android device, you can make the confirmation on OP-mobile using your Mobile key or by calling OP Customer Service and identifying yourself. If you are using an iOS device, you can make the confirmation by calling OP Customer Service.

To be able to add your card, check that you have the latest version of OP-mobile (62.0 or newer). If you wish to pay with an Android smartwatch, start using Google Pay in the Google Wallet application.

Why should I add both debit and credit features to Google Wallet?

You can add as many payment cards to Google Wallet as you like. If you have a combination card and you add its debit and credit features to Google Wallet, you can choose to pay with debit or credit depending on the situation.

When you pay with Google Pay, you get the same benefits* as when you pay normally with your card. If you're an owner-customer and pay with your combination card on Google Pay, you get Product Protection Insurance for your purchase.

*To use Plussa benefits, show the payment reader your Plussa card or your OP payment card with the Plussa feature, before you pay.

How to pay with Google Pay

With Google Pay, you can pay in stores, on websites and apps. Use Google Pay wherever you see either the contactless or Google Pay symbols.

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How to pay with Google Pay in a store

Unlock your phone.
Hold your phone close to the payment reader until the payment is made.
Confirm the payment if requested.

How to pay with your smartwatch using Google Pay

On your watch, open the Google Wallet app.
Hold your watch over the contactless payment reader until you hear a sound or feel vibration from your watch.

How to pay with a Fitbit device that supports Google Pay

Open Google Wallet on your device and enter the device passcode if necessary.
Keep the device close to the payment reader POS terminal until the confirmation of the payment is visible on it.

How to pay with Google Pay on an app or website

With Google Pay, you can pay on many apps and websites. You don't need to enter your card information, but just confirm the payment with your phone or smart device.

Check whether the app or website accepts Google Pay.
Tap the Google Pay button.
Check the details and confirm the payment.

Google Pay works with all OP payment cards

You can add OP's Visa cards and Mastercards to Google Wallet.

If you don’t have a card from OP yet, you can apply for it online (in Finnish or Swedish).

See our card options

Google Pay also works with OP Business Debit

You can also add the OP Business Debit card to Google Wallet. Adding it is possible when you use your personal customer’s OP’s credentials. You can add the card either on OP-mobile or Google Wallet. If you add it on Google Wallet, confirm adding the card with OP-mobile.

Note that Google Pay can't be set up with OP Corporate User ID or on OP Business mobile. If the card has been granted only for making deposits and not for making payments, you can't use Google Pay with it.

Google Pay is a safe way to pay

Google Pay is a safe and reliable way to pay in stores, on websites and apps.

You don't need to enter your PIN on the payment reader.
To pay for bigger purchases, first unlock your device.
Your card details aren't saved to the app or your device and they won't be forwarded to the merchant when you pay.

What to do if I lose my phone or device with Google Pay?

If you lose your phone or smart device where Google Pay is set up, immediately contact OP Deactivation Service.

Read security instructions and FAQ

OP Deactivation Service contact information

What is Google Pay?

Google Pay is a fast, simple way to make contactless payments. Just add your credit or debit card to Google Wallet and pay using your Android device, Pixel Watch, or a Fitbit device everywhere Google Pay is accepted.

When you pay, you don’t need your card or its details, because the payment is made with your device.

To pay with Google Pay, you need to add your payment card to the Google Pay app – either via OP-mobile or the Google Pay app.

Use Google Pay wherever you see the contactless symbol, the Google Pay logo or the Buy with Google Pay button.

What do I need to set up Google Pay?

You need the following:

A compatible device such as an Android device or a Fitbit device that supports Google Pay. Please note that the operating system of the Android device must be Android 7 or newer.
Your device must have NFC for making contactless payments in stores.
A valid OP card.
OP's user ID.
If you’re aged between 16 and 17, your guardian needs to have OP’s user ID.
The latest version of OP-mobile (62.0 or later) if you want to add a card on OP-mobile.

What is the age limit for Google Pay? Who can use Google Pay?

You need to be at least 16 years old to use Google Pay. You also need a card issued by OP and a compatible Android or Fitbit device.

In addition, you must have personal customer's OP’s credentials to confirm adding the card.

After logging into OP-mobile, you can add a card to Google Pay.
Alternatively, you can add a card on Google Wallet. In that case, adding the card must be separately confirmed either on OP-mobile or by calling OP Customer Service at 0100 0500 (press 5 for service in English, then press 1 for cards, card payment and invoicing).

If you’re under 18, ask your guardian to call OP Customer Service to confirm your card. Your guardian will be asked to identify themself with their own OP's credentials.

If you’re aged between 16 and 17 and have an OP User ID and Digital Agreement signed after 10 December 2020, you can log into OP-mobile and add your card to Google Pay yourself. Alternatively, you can add it on Google Wallet and select OP-mobile as the confirmation method.

Where can I pay with Google Pay?

In stores – You can pay with Google Pay around the world in all stores that accept contactless payments with Mastercard or Visa cards.

In online stores and apps – You can use Google Pay in online stores and many apps that accept Google Pay. Just select Pay with Google Pay or Google Pay as a payment method.

You can use Google Pay wherever you see one of these symbols:

How do I pay with Google Pay?

In stores

You can pay with Google Pay in a store if you see the contactless symbol on the payment reader.

Unlock your phone.
Hold your phone close to the payment reader until the payment is made.
Confirm the payment if requested.

With a smartwatch

For smartwatch payments, the contactless payment amount is not limited. When you wish to pay, open your watch with your device passcode. Open the Google Wallet app. Hold your watch near the payment reader until you hear a sound or feel vibration from your watch.

When using a Fitbit device

Open Google Wallet and enter the device passcode if necessary. Keep the device next to the payment reader POS terminal until the confirmation of payment is visible on it.

On apps and websites

You can use Google Pay in online stores and many apps and avoid having to create an account or give your card details at the time of purchase. Just select Buy with Google Pay and follow the instructions. In Google Play Store, you can see which apps accept Google Pay.

What to do:

Check whether the app or website accepts Google Pay.
Select the Google Pay button.
Check that your details are correct.
Confirm the payment.

Terms and Conditions

Terms and conditions on adding a payment card to Google Pay

Google Pay and Google Wallet are trademarks of Google LLC. Cards are issued by OP Retail Customers plc.