May 15, 2013

Information about Your Google Wallet Payment Instrument Options

This document describes the potential Payment Instrument options for payment transactions that are processed by Google Wallet, and the payment-related rights and protections you have for the different types of Payment Instruments under applicable payments law. Your rights under law may vary depending on the Payment Instrument you select to pay for a Google Wallet transaction.

Payments made with Google Wallet may be funded by a credit card, a debit card, Google Wallet Balance or an ACH debit to your deposit account at a bank or other financial institution. In addition, payments for purchases on Google Play may be made with your Google Play balance or your Mobile Carrier Billing Account. The permissible Payment Instruments for Google Wallet features are set forth in the Google Wallet Terms of Service ("Terms of Service"). Not all Payment Instrument options are available for all Google Wallet payment features.

Google Wallet Terms of Service Protections Applicable to All Google Wallet Transactions

In addition to any rights and protections you may have under applicable law, Google Wallet also offers its customers a number of protections relating to the purchase of goods and services using Google Wallet and the sending and receiving of funds for customers who have a Google Wallet account. These customer protections provided by Google Wallet are described in the Terms of Service, including the Policies referenced therein.

Summary of Consumer Rights Under Payments Laws for Different Payment Instrument Options

In addition to protections provided under the Terms of Service (discussed above), consumer customers of Google Wallet have certain rights under applicable payments law as to the use of their Payment Instruments. For your information and convenience, certain of these consumer rights with respect to Google Wallet transactions are summarized below.

Payment Instrument Option

Google Wallet Transactions That May Access This Payment Instrument

Summary of Payment Law Rights Applicable to Consumers

Credit Card

Merchant Purchases: Making payment for a purchase at a Google Wallet-accepting Merchant. (This includes a payment that is made with the Google Wallet Virtual Card, Google Wallet Virtual OneTime Card, and processed through Google Wallet to your Payment Instrument.)

Peer to Peer Payments: Sending money electronically to an individual Recipient

If a merchant fails to satisfactorily resolve a dispute with respect to goods or services purchased with your credit card, you may assert these claims against the card issuer. This includes a claim that the requested goods or services were defective or not delivered to you. You may withhold payment to the card issuer up to the amount of credit outstanding for the property or services that gave rise to the dispute. There are limitations on this right:

  • The goods or services must be for more than $50,
  • You must have attempted to resolve your dispute directly with the merchant, and
  • The merchant must be located in the same state as you or within 100 miles.
The above rights apply if you make the purchase directly with your credit card or with your credit card through Google Wallet.

In addition, for both purchases and Peer to Peer Payments you will have certain rights to dispute with your card issuer any unauthorized transaction or billing error that appears on your credit card account statement.

Debit Card

Same transaction types as listed above for Credit Card option

For this type of Payment Instrument, for both purchases and Peer to Peer Payments you will have certain rights to dispute any unauthorized transaction or error on your account statement with your bank or financial institution holding your deposit account.

You do not have the right under law to bring a merchant dispute to your card issuer, as you would have been able to do had you used a credit card (see summary above).

ACH Debit Transfer From Your Bank Account

Peer to Peer Payments:
Sending money electronically to an individual Recipient

Funding your Google Wallet Balance

Same as Debit Card rights summarized above.

Google Wallet Balance

Merchant Purchases:
Making payment for a purchase at a Google Wallet-accepting Merchant, where available

Peer to Peer Payments:
Sending money to an individual Recipient via his or her email address

For this type of Payment Instrument, for both purchases and Peer to Peer Payments you will have certain rights to dispute any unauthorized transaction or error on your account statement with Google Wallet. (See the Google Wallet Terms of Service for a more detailed description of these rights.)

Mobile Carrier Billing Account

Purchases on Google Play only

Payments law does not provide rights in the event of a dispute with the merchant regarding your payment or purchase.

Your rights as to purchases made on Google Play using your Mobile Carrier Billing Account are as described in the Google Wallet Terms of Service and as may be described in your terms with your mobile carrier. The law in your state may provide you with additional rights as to payments made with your Mobile Carrier Billing Account, as may also be described in your terms of service with your mobile carrier.

Google Play balance / Google Play Gift Card

Purchases on Google Play only

Payments law does not provide rights in the event of a dispute with the merchant regarding your payment or purchase.

Your rights as to purchases made on Google Play using the Google Play balances are as described in the terms specific to Google Play balance and the general Google Wallet Terms of Service.

Possibility of Additional Protections from Your Account Holding Financial Institution

You should review your bank account deposit agreement with your account holding bank (when using a bank account as a Payment Instrument) or your card agreement with your card issuer (when using a credit card/debit card as a Payment Instrument). You may have additional rights under those agreements for payment transactions.