Stop carrying your wallet with you. With Google Pay, you can pay instantly at any time you want, wherever contactless payment is available! To accomplish this, download the Google Wallet app on your electronic device, add a card and start paying!

  You can add as many cards as you want
  Card data is maximally protected
  The service is completely free
  G-pay and contactless badge are valid everywhere

Question answer:

What is Google Pay?

Google Pay is an innovative electronic payment system created by Google on September 11, 2015 and used for smartphones running the Android operating system.

Where can I pay with Google Pay?

You can pay in all stores, websites and apps that support Google Pay. These places usually have contactless payment or a Gpay sign.

Service cost?

 Google Pay is completely free.

 Which Yelo Bank cards can I add to Google Wallet?

 Any type of Visa card owned by Yelo Bank.

How to pay with Google Pay?

To make a payment:

• Unlock your smartphone and enable NFC in settings;
• Bring closer the back of your smartphone to the POS terminal;
• Wait for the payment to complete.

Can I add multiple cards to Google Wallet?

Yes it is possible. To add a card to Google Wallet:

• Open the Google Wallet app;
• Click the "Add Card" button, select the card you want to add, then click the "+" button;
• After entering the card details, save them;
• Accept the terms of use of the service;
• Confirm the information by SMS or call from Yelo Bank and complete the process.

Are payments via Google Pay secure?

Paying with Google Pay is a safe and secure payment method. Thanks to a special tokenization technology, while paying, not the card number or other information of the cardholder, but the information of the virtual card, the token, is transmitted. This technology allows to protect the personal data of the cardholder and ensures cardholder's safety in case of loss or theft of the phone. Even if the smartphone is lost, thanks to the "Find My Device" functionality, you can instantly lock your smartphone from anywhere in the world, protect it with a new password, or completely delete your personal data.

Do I need an internet connection to use Google Pay?

You can use Google Pay even without an internet connection.

Apple Pay, contactless payment method, is available for Yelo card users. It is enough to bring the iPhone smartphone, Apple Watch or iPad tablet close to the payment terminal for making a payment. Payments can be made with Apple Pay at any market, pharmacy, taxi, cafe, restaurant, retail store and many other places that have a contactless payment token.

The main advantage of Apple Pay is its security and privacy. Every transaction made with this method is securely protected, as the user must confirm the payment with Face ID, Touch ID or the device's password. Card information added to Apple Pay is not stored on the device or on Apple's servers. Instead, the card is encrypted with a unique device registration number and securely stored on the device's high-standard certified "Secure Element" chip.

Activating a Yelo card in Apple Pay is very easy:

·       Enter the Yelo mobile application and select the desired card;

·       Follow the appropriate instructions to add to "Apple Wallet";

·       Enter the one time password (OTP) which will be sent via SMS to your mobile number.

When you complete the process, you will be able to use your chosen card for Apple Pay payments through iPhone, Apple Watch, and iPad devices.

Yelo card holders connected to the Apple Pay service will be able to continue to benefit from cashback and discounts offered by the Bank.

Have you ordered a new Yelo card and want to set a PIN code online? Then you can use our PIN Set web service. To do this, go to the service page and follow the steps below:

• Enter the card number, expiration date and CVV code on the service page
• The code will be sent via SMS to the mobile number connected to the card
• Enter the code on the page. For example, if you received an SMS with the code 981***0*0 and the PIN you want to assign is 5555, just type 981555050 in the box on the site.
• Congratulations, PIN code has been set. Try not to forget it.

The service is free.

With Yelo card, depending on the partner, you can get up to 30% of the cashback from payments made in our partners' network.

Forgot your card PIN code? Update the PIN code of the card for free using the PIN Reset service through the Yelo App.

Or use the PIN Reset service and get a new code. To do this, you just need:

• Go to any Yelo Bank branch
• Fill in the special form for code recovery provided at the branch
• Based on the request, the old code is deleted
• New PIN code is created through the POS terminal

The cost of the service is 3 AZN and is charged from the card.

If you want to change the PIN code at any time, you can use any of Yelo Bank ATMs. The new code should consist of 4 digits, which you can change as many times as you want. Changing it is very easy:

• Insert the card into the ATM and dial the old code
• Select “Services” from the menu
• Select “PIN Change” from the menu that appears
• Enter your new code in a new window
• Confirm your new code in the next window
• If you suddenly confirm the wrong code, the message “Sorry, you made a mistake when entering the PIN” will appear on the screen
• In this case, click on "Re-enter"
• Enter the new PIN twice
• Congratulations, you have changed your PIN code. Try not to forget it.

The cost of the service is 3 AZN.

Note: It is not recommended to set repeated (5555) or consecutive (1234) numbers for PIN, as well as to protect several bank cards with the same PIN code

This service allows you to control all the operations performed on your card 24/7. In cases such as making a payment, an attempt to carry out the operation when the funds are insufficient, the expiration of the card's validity period, and other, SMS will be sent to the mobile number. Connecting to the service is very easy:

• Enter the card into Yelo Bank ATM and first click on “Services” at the main menu, then on “SMS NOTIFICATIONS”
• Next, enter your mobile phone number twice
• After confirmation, you will get an SMS about connecting to the service on your mobile phone

The cost of a monthly use of the service is 2 AZN (Yelo Infinite card is an exception). 

Online payments have become an integral part of many people's daily lives. Yelo Bank always cares about its customers and offers a 3D Secure service to ensure the safety of these online payments. This service increases the security of online payments and makes the shopping process more enjoyable and convenient, protecting your money from online scammers. The service works very simply. The one-time password required to connect to the service can be obtained in two ways:

• From the list of one-time passwords marked on the ATM check
• By sending a password to a mobile phone number (the card must be connected to the SMS-notification service).

Using the password, you need to register on the AzeriCard website by selecting the "SECURITY CARD WITH 3D Secure" section. Upon registration, the cardholder generates a password. After entering all the necessary card data for online payment, if the site supports 3D Secure, you will be redirected to a special page for entering a password. If a permanent password is not selected during registration, a one-time password is sent to the mobile phone number in the form of SMS. You need to confirm the payment by entering this password in a special field on the page. The password is sent directly at the time of payment and can only be used once for confirmation. Thus, it is impossible to make any payment over the Internet without the knowledge of the cardholder.

The service is free of charge.
 

This service allows holders of Yelo Bank payment cards to send money at any time to people who do not own bank cards. The service can be used through the network of Yelo Bank ATMs and AzeriCard ATMs. Using the service is very convenient:

• Insert your bank card into an ATM, select the option "CashByCode" in the main menu
• Then select the currency, enter the amount and mobile phone number of the recipient of funds
• The system generates a code consisting of two parts, one part the system sends as an SMS to the recipient of funds, the second part is printed as a check and remains with the sender
• The sender transfers his part of the code to the recipient in any convenient and safe way
• The recipient dials both parts of the code at an ATM and receives money without using a payment card/

When using the Cash by code service, a 2% commission is charged to the cardholder (min. 2 AZN). This service is valid only on individuals’ AZN currency Yelo Bank cards. The minimum amount for the operation is 10 AZN. Daily maximum limit is 1000 AZN. Funds to be cashed from an ATM must end with 0 (eg: 10, 20, 30, 110, 450, etc.)

To set the PIN code through ATM:

•    Once the card is ready, a one-time PIN code is sent via SMS to the number you specified during the order. The code is valid for 6 days.

•    After getting the card, insert it into the ATM and go to the e-PIN section.

•    In the next window, first you enter the one-time PIN code sent by SMS, and then the PIN of your choice.

•    Re-enter the PIN code you set.

•    Congratulations, PIN code has been set, try not to forget it.

Note: Repeating (5555), consecutive numbers (1234) or setting the same password for all your cards is not recommended for security reasons.