With Google Pay, you can make purchases online and with your phone. It lets Android users to make in-store and online purchases on websites, mobile apps, and Google services, such as the Google Play Store, using only their Android device.
Users make purchases using Google Pay by linking their credit or debit card information to the service. Google Pay use near field communication (NFC) on Android handsets to communicate with checkout terminals. Chrome users who are logged into their Google accounts can utilize Google Pay on participating retailers’ websites.
Background on Google Wallet
In 2011, Google introduced its first mobile payment system, Google Wallet, for Android handsets. Android Pay replaced it in 2015, while Google Wallet became dedicated to P2P transactions alone.
In 2018, Google stated that Google Wallet would be merged with other payment options and rebranded as Google Pay. At that time, Google Wallet became known as Google Pay Send.
If you have an Android device, you can use Google Pay to make contactless purchases. iOS users can use the P2P features and log in to their accounts. To make NFC purchases with an iPhone or Apple Watch, however, only Apple Pay will work.
Paying with Google Pay
There are hundreds of financial institutions and service providers that are compatible with Google Pay. Cards from Visa, MasterCard, Discover, and American Express are specifically mentioned as being accepted. If a user is unsure whether or not their bank supports Google Pay, they should contact their bank directly. The Google Pay user site also features a global directory of participating financial institutions.
Google also provides a list of featured retailers and transportation providers that accept Google Pay on their support site. The Google Pay icon or the contactless payment icon should be visible on the terminal. Users must have the Google Pay app and a credit or debit card linked to their account in order to make a purchase.
When utilizing Google Pay, a user’s payment history is recorded and stored in their Google account.
Safety of Google Wallet
Instead of using your actual credit card information, Google Pay creates a unique, encrypted number. If the user turns off screen lock on their smartphone, this virtual account number is also deleted.
Google’s Find My Device tool allows users to remotely delete data from a misplaced device. Users can sign into their Google Pay account on any device to manage their saved payment information.
Money Transfer through Google Pay
Send from Google Pay allows you to send money directly to another user’s account. Users can send money to others by entering their email address or phone number into the service’s interface.
The money can only be received by the person who verifies their email or phone number with their bank. Or, if they already have a Google Pay account, the money will be deposited there. There are no transaction costs associated with using the Android, iOS, or web-based versions of the Google Pay app to send or receive payments.
