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I have a Samsung Note 9 (Android version 9) and Google Pay installed and configured. It works on stores like Costa for payments under £35 only when phone is unlocked

As per https://support.google.com/pay/answer/7644132?hl=en "No unlock needed for smaller payments"

Does anyone know why this is the case? I'd like that no unlocking is required for small payments.

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    Based on the linked help center, It seems the maximum limit for the United Kingdom is GBP 30?
    – Andrew T.
    Nov 4, 2019 at 14:20
  • Exactly! My point is that even for purchases below 30gbp I seem to have to unlock my phone
    – Calm Storm
    Nov 4, 2019 at 17:54

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It turns out this may be a problem with the official Samsung phone clear view folding cover explained in https://www.samsung.com/uk/smartphones/galaxy-note9/accessories/

When the fold is closed I cannot use it. If I open the fold then even if the phone is locked I can use Google Pay. Removing the foldable cover altogether also works!

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Not sure if they've recently updated the support answer on your link or not but it's clear you can't always pay with a locked phone even for smaller payments.

To make most purchases in stores, you need to unlock your phone. You won't need to unlock it for certain small payments.

Important: You can only make a limited amount of locked transactions before your phone will ask you to unlock it.

Personally, I have to unlock my Pixel 3A even when the payment is as small as £2.

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