A faster & simpler way to pay, tap phone jer

It is a secure way to pay using your Android phone or smartwatch. It turns your physical Merchantrade Money card into a digital card so you can tap and pay at shops or checkout online quickly on websites and apps.

Google Wallet is the app on your phone where you safely store your Merchantrade Money card, loyalty cards, or boarding passes, tickets and more. Google Pay is the secure system that handles payments when you tap to buy something.

Any Merchantrade Money cardholder with a compatible Android smartphone or Wear OS smartwatch.

Yes, it is highly secure. It uses a secure system called "Tokenization” to safeguard your data. When you tap to pay, the app shares a temporary virtual card number (a token) with the store. Your real 16-digit Merchantrade Money card number is never stored on your device or shared with the merchant.

You can use it anywhere globally where you see the Contactless Payment symbol or the Google Pay logo. This includes retail stores, restaurants, petrol stations, pharmacies, and millions of global merchants and websites.

From Merchantrade Money app

1. From the app’s pre-login screen, click the Google Wallet button
2. Enter your app passcode or verify with Face ID / fingerprint
3. Click on ‘Add to Google Wallet’ and confirm
4. Next, click on ‘Add to Wallet’, follow the instructions on screen & your card is added successfully!

From Google Wallet app

1. Open the Google Wallet app (or download it for free from the Google Play Store).
2. Tap the ‘+’ icon and select ‘Payment card’.
3. Scan your Merchantrade Money card, or enter the card details manually.
4. Agree to the Terms and Conditions.
5. Choose to verify with an SMS verification code (OTP) or through the Merchantrade Money app.
6. Follow the instructions on screen & your card is added successfully!

Activation is usually instant or takes just a few minutes.

Yes, absolutely! Both Merchantrade Money card (red) and the limited edition FIFA World Cup 2026™ card can be added to Google Wallet.

Yes. You can add your Merchantrade Money card to a maximum of 3 devices in total. This includes both Google Wallet and Samsung Wallet combined. Each device will create its own secure digital token.

Yes. You can add the same Merchantrade Money card to Google Wallet & Samsung Wallet at the same time. Each wallet and device will create its own secure digital token.

You need an Android smartphone that has NFC built-in and runs on Android 9.0 (Pie) or higher. Click here to view list of compatible devices

Yes. It works on supported Wear OS smartwatches that have NFC and a screen lock enabled for safety.

Open the Google Wallet app, tap on your Merchantrade Money card, and select it as your default payment card.

No. The Google Wallet app comes pre-installed on almost all compatible Android devices.

If you cannot find it on your phone, simply look for "Google Wallet" in your apps list. If it was previously deleted, you can download it again for free from the Google Play Store.

• Make sure your Merchantrade Money card is active.
• Check that your phone’s date and time are set to "Automatic."
• Ensure you have a stable internet connection during the setup.

Make sure your mobile number matches the one registered to your Merchantrade Money account. If you are overseas, you must have mobile roaming turned on to receive SMS text messages.

Yes, as long as you have internet access and can receive the security SMS verification code on your registered mobile number.

For security reasons, digital cards do not transfer automatically. You will need to access Google Wallet on your new phone and add your Merchantrade Money card from scratch.

A factory reset wipes the phone completely. For your safety, it will automatically and permanently delete all your digital cards & files. You will have to re-add them manually later.

No. It is completely free to add your Merchantrade Money card to Google Wallet.

No. Using Google Pay does not cost you anything extra. There are no transaction fees or hidden charges added to your purchase amount.

Here’s how to do it:

1. Unlock your device (using your fingerprint, face, or passcode)
2. Tap your device on the terminal
3. The blue check mark will appear once done

At your online checkout, tap the "Buy with GPay" button, select your Merchantrade Money card, and verify the payment using your phone's fingerprint, face ID, or passcode. You don’t need to type your card details.

Yes. You can select a different card before payment or set a default card for quicker checkout.

No. You do not need mobile data or Wi-Fi to tap and pay at a physical store counter. However, an internet connection is required to do the initial setup, check your wallet balance, or see your transaction history.

It follows the same as the Visa payWave daily limit you have set for your Merchantrade Money card in your app.

You do not need to enter your 6-digit PIN as long as your purchase is within your pre-set Visa payWave daily limit. For example, if your daily limit is RM500, any transaction up to RM500 lets you just tap and go without a PIN.

Absolutely! You can use it anywhere worldwide where Visa contactless payments are accepted. Once you’ve added your Merchantrade Money card, it is linked directly to your multi-currency wallet, meaning it will automatically deduct from your available currency wallet (i.e. Yen in Japan or Euro in Europe) so you avoid currency conversion fees.

Yes. You will receive an instant push notification on your phone screen from both Google Wallet and your Merchantrade Money app for every single transaction made.

Google Wallet displays your last 10 transactions. For your complete, detailed transaction history, always check your main Merchantrade Money app.

Yes. Every single transaction made with Google Pay will appear on your monthly Merchantrade Money e-Statement, just like a regular physical card transaction.

No. Google Pay does not support ATM cash withdrawals. It is strictly for in-store tap-to-pay purchases, app transactions, and online checkouts.

The most common reasons are:

• You do not have enough balance in your Merchantrade Money wallet.
• ‘Visa payWave’ & ‘Mobile Wallet’ options are disabled in your Card Settings.
• You have hit your daily Visa payWave limit.

Yes, we highly recommend keeping your physical card with you as a safe backup.

No. Whether your new card has a different number or the same one as before, your details will update automatically in your Google Wallet. You can keep tapping to pay without setting it up again.

Just remember to activate your new card in your Merchantrade Money app first before using it.

No. If your card is Blocked, the digital versions inside your Google Wallet will be suspended immediately. Once you unblock your card, your mobile wallet becomes ready to use again instantly.

Your money and card details remain completely secure. Because Google Wallet strictly requires your fingerprint, face scan, or device passcode for every single transaction, no one can use your card to make a payment.

To secure your device completely, you can take these immediate steps:

• Remote Lock & Wipe: You can use Google's "Find My Device" website (google.com/android/find](https://google.com/android/find) from any computer to instantly lock your phone, sign out of your Google Account, or wipe all data remotely.
• Contact Merchantrade Money Support: Contact Merchantrade Money Customer Support immediately to block the card connected to that device.

1. Open the Google Wallet app
2. Tap on the Merchantrade Money card
3. At the top right, tap the three dots, and then ‘Remove payment method’.

Google Wallet features and supported devices may change from time to time. Please refer to the latest updates on our official website or Google’s official page.

Open Apple Wallet, tap the “+” button, choose debit or credit card, then follow the steps to add and verify your card.

Yes, if your Apple Watch supports Apple Pay and your card has been added successfully to the Watch app.

You need to authenticate using Face ID, Touch ID, passcode or Apple Watch unlock before making supported payments.