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

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, tablets, or watches. Users can authenticate via a PIN, passcode, or biometrics such as 3D face scanning or fingerprint recognition.[1]

As of 2025, it is available in 104 countries.[2]

Service

Google payment apps


2006–2013Google Checkout
2011–2015Google Wallet
2015–2018Android Pay2015–2018Google Wallet2017–2018Tez
2018–2022Google Pay2018–2020Google Pay Send2018–2020Google Pay
2022–presentGoogle Wallet2020–presentGoogle Pay


See also: Google Pay (payment method)


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 (currently only available on the Fitbit 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 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 My Device 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 NFC bank cards in Google Wallet 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 November 2025, Google Pay is available in 104 countries worldwide.[13]

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.
  2. "Where you can use Google Wallet". Google Wallet Help.
  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.
  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.
  6. "Fingerprint and payments APIs (100 Days of Google Dev)". Google Developers. 2015. Archived from the original on August 26, 2016 – via YouTube.
  7. "Payment Tokenisation". EMVco. March 1, 2014. Archived from the original on October 14, 2016.
  8. "Pay with your smartwatch". Google Pay Help. Google Inc. Archived from the original on August 1, 2020.
  9. "Set up screen lock to make contactless payments – Android – Google Pay Help". Google Inc. Archived from the original on July 10, 2020.
  10. "CDCVM – Google Pay Merchant Help". Google Inc. Archived from the original on July 8, 2020.
  11. "Verify it's you to make a purchase - Google Wallet Help". support.google.com.
  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.
  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.
  15. "GooglePay | Elo". www.elo.com.br. Archived from the original on February 28, 2023.
  16. "eftpos & Google Pay™ FAQ | eftpos Australia". www.eftposaustralia.com.au. Archived from the original on February 28, 2023.
  17. "Interac Debit on Android Pay launches in Canada". Interac. May 31, 2017. Archived from the original on February 28, 2023.
  18. "Bancomat entra su Google Pay con Intesa Sanpaolo - LaPresse". www.lapresse.it (in Italian). April 18, 2025.
  19. "Google Pay con BANCOMAT". bancomat.it (in Italian).
  20. 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).
  21. "Use Pix with Google Pay". Google Pay Help.
  22. "Google Pay Launches in Saudi Arabia, Enabling Simple and Secure Payments for Users". Google. September 15, 2025.
  23. "Lançamento: Alelo no Google Pay". www.alelo.com.br.
  24. "Jaywan: The UAE's first national card scheme supporting secure, efficient digital payments". Al Etihad Payments. February 27, 2025.
  25. www.cartes-bancaires.com https://www.cartes-bancaires.com/wp-content/uploads/2023/11/RAPPORT_SOMMET_CB_2023_VDEF.pdf. Archived (PDF) from the original on July 14, 2024. {{cite web}}: Missing or empty |title= (help)
  26. "Overview | Device Tokenization Developer Site". Google for Developers.
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