The agreement establishes seven specific conditions under which a Payment Instrument will be removed from Google Pay and become unusable, including device inactivity for 90 days, Google Pay non-use for 12 months, and instructions from the card issuer or payment network.
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This provision identifies the automatic and issuer-triggered conditions under which a registered payment method becomes unavailable in Google Pay. Users who rely on Google Pay for recurring or in-store payments should be aware that inactivity or device connectivity failures can result in automatic removal.
Under this clause, payment instruments may be automatically removed from Google Pay on a device after 90 days of device inactivity with Google services or 12 consecutive months of Google Pay non-use, or upon instructions from the card issuer or payment network. Users must re-add the payment instrument if it is removed under any of these conditions.
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"A Payment Instrument may be removed from Google Pay on a given device and become unusable with the Service if: (i) you delete the Payment Instrument from Google Pay; (ii) you delete the Payment Instrument from your Google Payments account, or remove it as a payment method from your Google Account; (iii) you erase your mobile device using Android Device Manager; (iv) you delete your Google Account; (v) your mobile device fails to connect to any Google product or service for 90 consecutive days; (vi) you do not use Google Pay on the device for 12 consecutive months; and/or (vii) your Payment Instrument's issuer or payment network instructs Google to remove the Payment Instrument from Google Pay.— Excerpt from Google Ads's Google Ads Terms of Service
(1) REGULATORY LANDSCAPE: This provision does not directly implicate specific financial services regulations but interacts with payment services continuity expectations under PSD2 and national payment regulations. The issuer-triggered removal trigger (condition vii) reflects standard card network contractual rights and is consistent with industry practice. (2) GOVERNANCE EXPOSURE: Low. The removal triggers are operationally standard for digital wallet services and are disclosed clearly. The 90-day device inactivity trigger may be operationally significant for users who change devices or lose connectivity. (3) JURISDICTION FLAGS: No specific jurisdiction creates heightened exposure under this provision, though users in regions with limited Google service connectivity may be more affected by the 90-day device inactivity trigger. (4) CONTRACT AND VENDOR IMPLICATIONS: Corporate card programs using Google Pay should note condition (vii), which allows card issuers and payment networks to instruct Google to remove payment instruments, potentially disrupting employee payment access without user-initiated action. (5) COMPLIANCE CONSIDERATIONS: Organizations deploying Google Pay as part of corporate payment workflows should assess operational dependencies on these removal triggers and consider whether business continuity plans address payment instrument removal scenarios.
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This provision identifies the automatic and issuer-triggered conditions under which a registered payment method becomes unavailable in Google Pay. Users who rely on Google Pay for recurring or in-store payments should be aware that inactivity or device connectivity failures can result in automatic removal.
Under this clause, payment instruments may be automatically removed from Google Pay on a device after 90 days of device inactivity with Google services or 12 consecutive months of Google Pay non-use, or upon instructions from the card issuer or payment network. Users must re-add the payment instrument if it is removed under any of these conditions.
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