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Google Pay (payment method)

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From Wikipedia, the free encyclopedia
Mobile payments platform developed by Google
For other uses, seeGoogle Pay.
Not to be confused withGoogle Wallet.

This articlemay rely excessively on sourcestoo closely associated with the subject, potentially preventing the article from beingverifiable andneutral. Please helpimprove it by replacing them with more appropriatecitations toreliable, independent sources.(May 2022) (Learn how and when to remove this message)

Google Pay
DeveloperGoogle
Initial release
  • May 26, 2011; 14 years ago (2011-05-26) (as Google Wallet)
  • September 11, 2015; 10 years ago (2015-09-11) (as Android Pay)
  • January 8, 2018; 7 years ago (2018-01-08) (as Google Pay)
Operating system
Platform
LicenseProprietary
Websitepay.google.com/about/

Google Pay (formerlyAndroid Pay) is amobile payment service developed byGoogle to power in-app, online, and in-personcontactless purchases on mobile devices, enabling users to make payments withAndroid phones, tablets, orwatches. Users can authenticate via a PIN, passcode, or biometrics such as 3D face scanning or fingerprint recognition.[1]

As of 2025[update], it is available in 97 countries.[2]

Service

Google Pay acceptance mark
Google payment apps


2006–2013
Google Checkout
2011–2015
Google Wallet
2015–2018
Android Pay		2015–2018
Google Wallet		2017–2018
Tez
2018–2022
Google Pay		2018–2020
Google Pay Send		2018–2020
Google Pay
2022–present
Google Wallet		2020–present
Google Pay


See also:Google Pay (payment method)


Google Pay usesnear-field communication (NFC) to transmit card information facilitating funds transfer to the retailer. It replaces thecredit ordebit cardchip and PIN ormagnetic stripe transaction atpoint-of-sale terminals by allowing the user to upload these in Google Wallet. It is similar to contactless payments already used in many countries, with the addition oftwo-factor authentication. The service lets Android devices wirelessly communicate withpoint of sale systems using anear-field communication (NFC) antenna andhost-based card emulation (HCE).

When the user makes a payment to a merchant, Google Pay does not send the actual payment card number. Instead, it generates a virtual account number representing the user's account information.[3]

Google Pay requires that a screen lock be set on the phone or watch.[4] An age limit minimum of 13 years is imposed on users seeking to manage the service themselves. However, younger users can still have access to Google Pay if a parent or guardian manages Wallet for them, and utilizes an approved bank (currently only available on theFitbit Ace.)[5]

Users can add payment cards to the service by taking a photo of the card, or by entering the card information manually. To pay atpoints of sale, users hold their authenticated device to the point of sale system. The service has smart-authentication, allowing the system to detect when the device is considered secure (for instance, if unlocked in the last five minutes) and challenge if necessary for unlock information.[6]

Technology

Google Pay uses the EMV Payment Tokenization Specification.[7]

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit cardFunding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN) and creates a "dynamic security code [...] generated for each transaction". The "dynamic security code" is the cryptogram in anEMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic-stripe-data emulation-mode transaction. Users can also remotely halt the service on a lost phone via Google'sFind My Device service.

To pay at points of sale, users hold their authenticated Android device to the point-of-sale system's NFC reader. Android users authenticate unlocking their phone by using biometrics, a pattern, or a passcode, whereasWear OS andFitbit OS users authenticate by opening the Google Wallet app prior to payment.[8]

Consumer Device Cardholder Verification Method (CDCVM)

In EMV-mode transactions, Google Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using biometrics, pattern, or the device's passcode. The use of CDCVM allows the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN.[9][10]

Security

Payments for supported transit networks are able to skip verification, either via a payment card or transit card, though the phone screen needs to be on. Unlike Apple Pay's Express Mode, this is not available when the battery is low.

On Wear OS and Fitbit OS, this option is not available. All transactions on wearable devices must be authenticated by opening the Wallet app prior to tapping.[11]

Since 2022, the functionality of adding NFC bank cards inGoogle Wallet requires devices to passPlay Integrity API checks. This implies having a device with locked bootloader and no rooting.[12]

Availability

Supported countries

As of September 2025[update], Google Pay is available in 97 countries worldwide.[13]

Upcoming

Supported networks

Upcoming

See also

References

  1. ^"Set up screen lock to make contactless payments - Android". Google Inc.Archived from the original on July 10, 2020. RetrievedJuly 20, 2022.
  2. ^"Where you can use Google Wallet".Google Wallet Help. RetrievedAugust 15, 2024.
  3. ^"Google introduces Android Pay, a replacement for its wallet app on mobile".The Verge. May 28, 2015.Archived from the original on May 28, 2015. RetrievedMay 28, 2015.
  4. ^"Set up Google Pay".Archived from the original on June 4, 2018.
  5. ^"Set up tap to pay on your child's Fitbit Ace LTE".Google Wallet Help. RetrievedAugust 15, 2024.
  6. ^"Fingerprint and payments APIs (100 Days of Google Dev)". Google Developers. 2015.Archived from the original on August 26, 2016. RetrievedDecember 2, 2016 – via YouTube.
  7. ^"Payment Tokenisation". EMVco. March 1, 2014. Archived fromthe original on October 14, 2016. RetrievedJuly 8, 2020.
  8. ^"Pay with your smartwatch".Google Pay Help. Google Inc.Archived from the original on August 1, 2020. RetrievedJuly 8, 2020.
  9. ^"Set up screen lock to make contactless payments – Android – Google Pay Help". Google Inc.Archived from the original on July 10, 2020. RetrievedJuly 8, 2020.
  10. ^"CDCVM – Google Pay Merchant Help". Google Inc.Archived from the original on July 8, 2020. RetrievedJuly 8, 2020.
  11. ^"Verify it's you to make a purchase - Google Wallet Help".support.google.com. RetrievedApril 26, 2024.
  12. ^"Some people aren't able to tap and pay with Google Wallet right now".androidpolice.com. April 16, 2024.
  13. ^"Countries or regions where you can use Google Wallet – Google Wallet Help".Google Support.Archived from the original on July 18, 2022. RetrievedJuly 18, 2022.
  14. ^"Google Pay ｜クレジットカードなら、JCBカード".クレジットカードのお申し込みなら、JCBカード. RetrievedAugust 28, 2025.
  15. ^"GooglePay | Elo".www.elo.com.br.Archived from the original on February 28, 2023. RetrievedFebruary 28, 2023.
  16. ^"eftpos & Google Pay™ FAQ | eftpos Australia".www.eftposaustralia.com.au.Archived from the original on February 28, 2023. RetrievedFebruary 28, 2023.
  17. ^"Interac Debit on Android Pay launches in Canada".Interac. May 31, 2017.Archived from the original on February 28, 2023. RetrievedFebruary 28, 2023.
  18. ^"Bancomat entra su Google Pay con Intesa Sanpaolo - LaPresse".www.lapresse.it (in Italian). April 18, 2025. RetrievedApril 19, 2025.
  19. ^"Google Pay con BANCOMAT".bancomat.it (in Italian). RetrievedAugust 4, 2025.
  20. ^ab順（管理人）, 作成者 石井 (July 22, 2023)."キタ？！Google Pixel Watch「iD/QUICPay」決済解禁".Jetstream BLOG (in Japanese). RetrievedJuly 25, 2023.
  21. ^"Use Pix with Google Pay".Google Pay Help. RetrievedMarch 9, 2025.
  22. ^"Google Pay Launches in Saudi Arabia, Enabling Simple and Secure Payments for Users".Google. September 15, 2025. RetrievedSeptember 15, 2025.
  23. ^"Jaywan: The UAE's first national card scheme supporting secure, efficient digital payments".Al Etihad Payments. February 27, 2025. RetrievedJuly 22, 2025.

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