 | This article may rely excessively on sources too closely associated with the subject, potentially preventing it from being verifiable and neutral. (May 2022) |
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Google Pay (formerly Android Pay) is a mobile payment service developed by Google to power in-app, online, and in-person contactless purchases on mobile devices, enabling users to make payments with Android phones or Wear OS watches, in addition to only online & in-app purchases on Android tablets and Android/ChromeOS laptops. Users can authenticate via a PIN, passcode, or biometrics such as 3D face scanning or fingerprint recognition.[1]
Service
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Google Pay uses near-field communication (NFC) to transmit card information facilitating funds transfer to the retailer. It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-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 of two-factor authentication. The service lets Android devices wirelessly communicate with point of sale systems using a near-field communication (NFC) antenna and host-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.[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 at points 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 card Funding 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 an EMV-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's Find Hub service.
To pay at points of sale with a default payment card, users hold their authenticated Android or Wear OS device (Pixel Watch 2 or later) to the point-of-sale system's NFC reader. Opening the Google Wallet app beforehand is not necessary on these platforms, though Fitbit OS users must 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. Unlike Apple Pay's Express Mode, this is not available when the battery is low.
On Fitbit OS, this option is not available. All transactions on Fitbit devices must be authenticated by opening the Wallet app prior to tapping.[11]
Since 2022, the functionality of adding cards to Google Pay requires devices to pass Play Integrity API checks. This implies having a device with locked bootloader and no rooting.[12]
Availability
Supported countries
As of June 2026[update], Google Pay is available in 108 countries worldwide.[13]
Albania
Andorra
Argentina
Armenia
Australia
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belgium
Bermuda
Bosnia and Herzegovina
Botswana
Brazil
Bulgaria
Cambodia
Canada
Chile
Colombia
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Ecuador
El Salvador
Estonia
Faroe Islands
Finland
France
Georgia
Germany
Gibraltar
Greece
Greenland
Guatemala
Guernsey
Honduras
Hong Kong
Hungary
Iceland
Ireland
Isle of Man
India
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kosovo
Kuwait
Kyrgyzstan
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macau
Malaysia
Malta
Mauritius
Mexico
Moldova
Monaco
Mongolia
Montenegro
Morocco
Netherlands
New Zealand
Nicaragua
Norway
North Macedonia
Oman
Pakistan
Panama
Paraguay
Peru
Philippines
Poland
Portugal
Qatar
Romania
Russia (suspended in March 2022 due to international sanctions caused by the Russian invasion of Ukraine)
San Marino
Saudi Arabia
Serbia
Singapore
Slovakia
Slovenia
South Africa
Spain
Sri Lanka
Sweden
Switzerland
Taiwan
Tajikistan
Thailand
Trinidad and Tobago
Ukraine
United Arab Emirates
United Kingdom (includes 
Cayman Islands)
United States (includes 
American Samoa, 
Guam, 
Puerto Rico, 
Northern Mariana Islands, and 
United States Virgin Islands)
Uruguay
Vatican City
Vietnam
Supported networks
- Visa / Visa Debit / Visa electron (Android, Wear OS, Fitbit OS)
- Mastercard / Debit Mastercard (Android, Wear OS, Fitbit OS)
- American Express (Android, Wear OS, Fitbit OS)
- Discover (Android & Wear OS)
- Diners Club (Android & Wear OS)
- JCB (Android & Wear OS)[14]
- Maestro (Android & Wear OS)
- Elo in Brazil[15] (Android & Wear OS)
- EFTPOS in Australia[16] (Android & Wear OS)
- Interac in Canada[17] (Android & Wear OS)
- Bancomat in Italy[18][19] (Android & Wear OS)
- QUICPay[20] (Android & Wear OS)
- iD[20] (Android & Wear OS)
- WAON (Android only)
- Edy (Android only)
- nanaco (Android only)
- Pix (Android only)[21]
- mada in Saudi Arabia (Android & Wear OS)[22]
- Alelo in Brazil[23]
Upcoming
See also
References
- ↑ "Set up screen lock to make contactless payments - Android". Google Inc. Archived from the original on July 10, 2020. Retrieved July 20, 2022.
- ↑ "Where you can use Google Wallet". Google Wallet Help. Retrieved August 15, 2024.
- ↑ "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. Retrieved May 28, 2015.
- ↑ "Set up Google Pay". Archived from the original on June 4, 2018.
- ↑ "Set up tap to pay on your child's Fitbit Ace LTE". Google Wallet Help. Retrieved August 15, 2024.
- ↑ "Fingerprint and payments APIs (100 Days of Google Dev)". Google Developers. 2015. Archived from the original on August 26, 2016. Retrieved December 2, 2016 – via YouTube.
- ↑ "Payment Tokenisation". EMVco. March 1, 2014. Archived from the original on October 14, 2016. Retrieved July 8, 2020.
- ↑ "Pay with your smartwatch". Google Pay Help. Google Inc. Archived from the original on August 1, 2020. Retrieved July 8, 2020.
- ↑ "Set up screen lock to make contactless payments – Android – Google Pay Help". Google Inc. Archived from the original on July 10, 2020. Retrieved July 8, 2020.
- ↑ "CDCVM – Google Pay Merchant Help". Google Inc. Archived from the original on July 8, 2020. Retrieved July 8, 2020.
- ↑ "Verify it's you to make a purchase - Google Wallet Help". support.google.com. Retrieved April 26, 2024.
- ↑ "Some people aren't able to tap and pay with Google Wallet right now". androidpolice.com. April 16, 2024.
- ↑ "Countries or regions where you can use Google Wallet – Google Wallet Help". Google Support. Archived from the original on July 18, 2022. Retrieved July 18, 2022.
- ↑ "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. Retrieved August 28, 2025.
- ↑ "GooglePay | Elo". www.elo.com.br. Archived from the original on February 28, 2023. Retrieved February 28, 2023.
- ↑ "eftpos & Google Pay™ FAQ | eftpos Australia". www.eftposaustralia.com.au. Archived from the original on February 28, 2023. Retrieved February 28, 2023.
- ↑ "Interac Debit on Android Pay launches in Canada". Interac. May 31, 2017. Archived from the original on February 28, 2023. Retrieved February 28, 2023.
- ↑ "Bancomat entra su Google Pay con Intesa Sanpaolo - LaPresse". www.lapresse.it (in Italian). April 18, 2025. Retrieved April 19, 2025.
- ↑ "Google Pay con BANCOMAT". bancomat.it (in Italian). Retrieved August 4, 2025.
- 1 2 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). Retrieved July 25, 2023.
- ↑ "Use Pix with Google Pay". Google Pay Help. Retrieved March 9, 2025.
- ↑ "Google Pay Launches in Saudi Arabia, Enabling Simple and Secure Payments for Users". Google. September 15, 2025. Retrieved September 15, 2025.
- ↑ "Lançamento: Alelo no Google Pay". www.alelo.com.br. Retrieved November 19, 2025.
- ↑ "Jaywan: The UAE's first national card scheme supporting secure, efficient digital payments". Al Etihad Payments. February 27, 2025. Retrieved July 22, 2025.
- ↑ "Le paiement mobile, le nouveau geste de paiement CB" [Mobile payments: the new way to pay by card] (PDF). www.cartes-bancaires.com (in French). p. 19. Archived (PDF) from the original on July 14, 2024. Retrieved November 19, 2025.
- ↑ "Overview | Device Tokenization Developer Site". Google for Developers. Retrieved November 19, 2025.
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