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For the peer-to-peer payments service from Google, see Google Pay Send.

Google Pay
Google Pay (GPay) Logo.svg
Mobile app payment checkout screen of Google Pay
Mobile app payment checkout screen of Google Pay
Developer(s)Google
Initial releaseSeptember 11, 2015 (2015-09-11) (as Android Pay)
January 8, 2018 (2018-01-08) (as Google Pay)
Stable release(s) [±]
Android2.80.225228531 / December 17, 2018; 2 months ago (2018-12-17)[1]
Wear OS1.53.186034020 / February 21, 2018; 11 months ago (2018-02-21)[2]
Operating systemAndroid Lollipop 5.0 and above
TypeOnline payment
LicenseProprietary
Websitepay.google.com

Google Pay stylized G Pay (formerly Pay with Google and Android Pay) is a digital wallet platform and online payment system developed by Google to power in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets or watches.

As of January 8, 2018, the old Android Pay and Google Wallet have unified into a single pay system called Google Pay.[3] Android Pay was rebranded and renamed as Google Pay. It also took over the branding of Google Chrome's autofill feature.[4] Google Pay adopts the features of both Android Pay and Google Wallet through its in-store, peer-to-peer, and online payments services.[5][3]

The rebranded service provided a new API that allows merchants to add the payment service to websites, apps, Stripe, Braintree, and Google Assistant.[6] The service allows users to use the payment cards they have on file with Google Play.[7]

The Google Pay app also added support for boarding passes and event tickets in May 2018.[8]

Service[edit]

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 the Google Pay 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, host-based card emulation (HCE), and Android's security.

Google Pay takes advantage of physical authentications such as fingerprint ID where available. On devices without fingerprint ID, Google Pay is activated with a passcode. When the user makes a payment to a merchant, Google Pay does not send the credit or debit card number with the payment. Instead it generates a virtual account number representing the user's account information. This service keeps customer payment information private, sending a one-time security code instead of the card or user details.[9]

Google Pay requires that a screen lock be set on the phone.[10] It has no card limit.[11][12][13]

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.[14] Spring CEO Alan Tisch said Google Pay improves mobile shopping business by supporting a "buy button" powered by Google Pay integrated within vendor's creative design.[15]

History[edit]

Originally launched as Android Pay, the service was released at Google I/O 2015. Android Pay was a successor to and built on the base established by Google Wallet which was released in 2011.[16] It also used technology from the carrier-backed Softcard—Google had acquired its intellectual property in February 2015.[9][17] At launch, the service was compatible with 70% of Android devices, and was accepted at over 700,000 merchants.[9] Google Wallet still powered web-based Play Store purchases and some app-based peer-to-peer payments, for instance in Gmail.[9]

The logo of the former branding of the service, Android Pay.

As of 2017, it is currently available in the United States, Canada, Brazil, UK, Ireland, Spain, Belgium, Poland, Czech Republic, Ukraine, Russia, Singapore, Hong Kong, Taiwan, Japan, Australia and New Zealand.[18] Upon its UK launch Android Pay supported MasterCard and Visa credit and debit cards from many of the UK's major financial institutions — including Bank of Scotland, First Direct, Halifax, HSBC, Lloyds Bank, M&S Bank, MBNA and Nationwide Building Society — "with new banks being added all the time" according to Google. Natwest, RBS and Ulster Bank will launch on September 14. On September 8, 2016 it was reported that UK banks TSB and Santander will participate "over the coming weeks".[19] Android Pay was launched in Singapore on June 28, 2016,[20] and in Australia on July 14, 2016.[21][22] Android Pay launched in the Republic of Ireland on December 7, 2016 and is initially available to customers of AIB and KBC. The service works with both credit and debit cards.[23]

In 2016, Google began a public trial in Silicon Valley of a related mobile app called Hands Free. In this system, the customer does not need to present a phone or card. Instead, a customer announces they wish to "pay with Google" and give their initials to the cashier, who verifies their identity with a photo previously uploaded to the system. The customer's phone will only authorize payment if its geographic location system indicates it is near a participating store.[24][25]

On September 18, 2017, Google launched an UPI-based app Tez in India.[26] On August 28, 2018, Google rebranded Tez to Google Pay.[27]

On January 8, 2018, Google announced that Google Wallet would be merged into Android Pay, with the service as a whole rebranded as Google Pay.[28] This merger extends the platform into web-based payments integrated into other Google and third-party services. The rebranding began to roll out as an update to the Android Pay app on February 20, 2018; the app was given an updated design, and now displays a personalized list of nearby stores which support Google Pay.[29][30][31]

On December 21, 2018, Google Payment, obtained an e-money license in Lithuania - the license will enable Google to process payments, issue e-money, and handle electronic money wallets in the EU. [32][33]

Availability[edit]

Supported countries[edit]

Global availability of Google Pay - Dark Green: Available / Light Green: Upcoming [34]
Release dates
Date Support for payment cards issued in
September 11, 2015  United States
May 18, 2016  United Kingdom[35]
June 27, 2016  Singapore[36]
July 13, 2016  Australia[37]
October 20, 2016  Hong Kong[38][39]
November 17, 2016  Poland[40]
December 1, 2016  New Zealand[41]
December 7, 2016  Ireland[42]
December 13, 2016  Japan[43]
March 7, 2017  Belgium[44]
May 23, 2017  Russia[45][46]
May 31, 2017  Canada[47]
June 1, 2017  Taiwan[48]
July 26, 2017  Spain[49]
November 1, 2017  Ukraine[50]
November 14, 2017  Brazil[51]
 Czech Republic[52]
February 28, 2018  Slovakia[53][54]
June 26, 2018  Germany[55][56]
July 31, 2018  Croatia[57][58][59]
August 28, 2018  India[27] (UPI based, previously known as Tez release date August 17, 2017)
September 19, 2018  Italy[60][61][62][63]
October 30, 2018  Denmark[64]
 Finland[64]
 Norway[64]
 Sweden[64]
November 14, 2018  United Arab Emirates[65]
November 27, 2018  Chile[66]
December 11, 2018  France[67]
Announced for 2018, not yet released as of January 1, 2019  South Korea[68]

Those on light yellow background: originally released as Android Pay.

On watches, Google Pay is available only in Australia, Canada, France, Germany, Italy, Poland, Russia, Spain, United Kingdom, and United States.[69]

Supported networks[edit]

See also[edit]

References[edit]

  1. ^ "Google Pay". APKMirror. Android Police. March 11, 2018. Retrieved March 11, 2018.
  2. ^ "Google Pay (Android Wear)". APKMirror. Android Police. March 11, 2018. Retrieved March 11, 2018.
  3. ^ a b Nieva, Richard; Bennett, Brian (January 8, 2018). "Google merges payment platforms under Google Pay brand". CNET. CBS Interactive. Archived from the original on January 8, 2018. Retrieved January 8, 2018.
  4. ^ Simon, Michael (January 8, 2018). "Google is combining Android Pay and Google Wallet under one brand: Google Pay". PCWorld. International Data Group. Archived from the original on June 4, 2018. Retrieved January 8, 2018.
  5. ^ Amadeo, Ron (January 8, 2018). "Google rebrands all its payment solutions as "Google Pay"". Ars Technica. Condé Nast. Archived from the original on January 8, 2018. Retrieved January 8, 2018.
  6. ^ Perez, Sarah (May 17, 2017). "Google will now let users pay with any card they have on file, not just those saved in Android Pay". TechCrunch. Archived from the original on December 25, 2017. Retrieved December 24, 2017.
  7. ^ Schoon, Ben (October 23, 2017). "'Pay with Google' makes it easy to pay online with any card tied to your Google account". 9to5Google. Archived from the original on December 25, 2017. Retrieved December 24, 2017.
  8. ^ Welch, Chris (May 8, 2018). "Google Pay is adding mobile boarding passes and event tickets". The Verge. Vox Media. Archived from the original on May 20, 2018. Retrieved May 19, 2018.
  9. ^ a b c d "Google introduces Android Pay, a replacement for its wallet app on mobile". The Verge. Archived from the original on May 28, 2015. Retrieved May 28, 2015.
  10. ^ "Set up Google Pay". Archived from the original on June 4, 2018.
  11. ^ "Google Pay". HSBC. HSBC UK. Archived from the original on June 4, 2018. Retrieved June 4, 2018. There is no limit to the number of cards you can add to your device.
  12. ^ "Android Pay Frequently Asked Questions" (PDF). CO-OP Financial Services. Archived (PDF) from the original on June 4, 2018. Retrieved June 4, 2018. How many cards can the Android Pay app store? As many as you would like! There is no limit on the number of cards storable in the Android Pay app.
  13. ^ "Google Pay Frequently Asked Questions -". Institution for Savings. Archived from the original on June 6, 2017. Retrieved June 4, 2018. How many cards can I use with Google Pay? As many as you would like! There is no limit on the number of cards storable in the Google Pay app.
  14. ^ Google Developers (2015). "Fingerprint and payments APIs (100 Days of Google Dev)". Google. Archived from the original on August 26, 2016. Retrieved December 2, 2016 – via YouTube.
  15. ^ "Google introduces Android Pay, a replacement for its wallet app on mobile". The Verge. Archived from the original on May 28, 2015. Retrieved May 28, 2015.
  16. ^ Tilenius, Stephanie (2011). "Google Wallet Product Launch". Google. Archived from the original on May 4, 2017. Retrieved December 2, 2016 – via YouTube.
  17. ^ Welch, Chris (March 5, 2015). "Softcard is shutting down on March 31st, and Google Wallet will replace it". The Verge. Archived from the original on April 4, 2016. Retrieved March 5, 2015.
  18. ^ "Participating banks and supported cards for Android Pay". Android Pay Help. Google. Archived from the original on October 10, 2016. Retrieved December 2, 2016.
  19. ^ Sebastian, Sebastian (September 8, 2016). "Android Pay now available in Google Chrome, more Banks supported". insightportal.io. Retrieved June 19, 2018.
  20. ^ Android (June 27, 2016). "#AndroidPay is now available in Singapore. Download from +Google Play, add your card and tap to pay at thousands of stores islandwide". Google. Archived from the original on October 21, 2016.
  21. ^ Bhat, Pali (May 18, 2016). "Android Pay now in the UK, new countries on the way". Android Official Blog. UK: Google. Archived from the original on May 21, 2016. Retrieved December 2, 2016.
  22. ^ El Khoury, Rita (December 16, 2015). "[900 Dollarydoos] Android Pay Is Coming To Australia In 2016". Android Police. Archived from the original on December 19, 2015.
  23. ^ Cóil, Donncha Mac (December 7, 2016). "Google Launches Smartphone Payment System In Ireland". Checkout Magazine. Archived from the original on November 7, 2017. Retrieved December 30, 2016.
  24. ^ Lynley, Matthew (March 2, 2016). "Google experiments with a way to pay without taking out your phone". TechCrunch.com. AOL. Archived from the original on June 19, 2017.
  25. ^ Bhat, Pali (March 2, 2016). "Testing, Testing - One, Two, Hands Free". Google Commerce. Google. Archived from the original on May 9, 2016. Retrieved December 2, 2016.
  26. ^ Singh, Manish (September 18, 2017). "Google Tez UPI-Based Digital Payments App Launched in India". Gadgets 360. NDTV. Archived from the original on September 26, 2017. Retrieved September 26, 2017.
  27. ^ a b Caesar Sengupta GM (August 28, 2018). "Google Pay — the next step in the Tez journey". Google India Blog.
  28. ^ "Say hello to a better way to pay, by Google". Google. February 20, 2018. Archived from the original on February 20, 2018. Retrieved February 20, 2018.
  29. ^ Lardinois, Frederic. "Say goodbye to Android Pay and hello to Google Pay". TechCrunch. Archived from the original on February 20, 2018. Retrieved February 20, 2018.
  30. ^ "Google is combining Android Pay and Google Wallet into one service called Google Pay". The Verge. Archived from the original on February 21, 2018. Retrieved February 20, 2018.
  31. ^ "Google Pay Debuts New Mobile Payment App | PYMNTS.com". www.pymnts.com. Archived from the original on February 20, 2018. Retrieved February 20, 2018.
  32. ^ "Google Payment Expands With E-Money License From Lithuania". bloomberg.com. Retrieved 9 January 2019. Google Payment, a company owned by Alphabet Inc., obtained an e-money license in Lithuania, joining a growing number of fintech firms that have secured permission from the Baltic nation to offer financial services across the European Union.
  33. ^ "Google granted an electronic money institution licence in Lithuania". lb.lt. Retrieved 9 January 2019. Having secured an electronic money institution licence, the company will be able to issue electronic money and provide payment services to ensure smooth operation of its marketplaces across Europe, alongside working on other payment services for consumers within the European Economic Area, including Lithuania.
  34. ^ "Participating banks and supported cards for Google Pay". Google support. Archived from the original on September 19, 2018.
  35. ^ "Android Pay launches in the UK". Archived from the original on December 20, 2016. Retrieved December 13, 2016.
  36. ^ "Tap. Pay. Islandwide: Android Pay arrives in Singapore". Archived from the original on December 20, 2016. Retrieved December 13, 2016.
  37. ^ "Android Pay launches in Australia". Archived from the original on December 20, 2016. Retrieved December 13, 2016.
  38. ^ "Android Pay launches in Hong Kong". Archived from the original on December 20, 2016. Retrieved December 13, 2016.
  39. ^ Shaun Lee (October 20, 2016). "Google Launches Android Pay In Hong Kong". androidheadlines.com. Retrieved May 23, 2017.
  40. ^ "Android Pay launches in Poland". Archived from the original on December 21, 2016. Retrieved December 13, 2016.
  41. ^ "Android Pay launches in New Zealand". Archived from the original on December 20, 2016. Retrieved December 13, 2016.
  42. ^ "Now you can use your phone to buy things in shops". Archived from the original on December 9, 2016. Retrieved December 13, 2016.
  43. ^ "Google's Android Pay mobile wallet arrives in Japan". Archived from the original on December 14, 2016. Retrieved December 13, 2016.
  44. ^ "Belgium, Meet Android Pay". Archived from the original on March 7, 2017. Retrieved March 7, 2017.
  45. ^ "Russia, Meet Android Pay". Archived from the original on June 10, 2017. Retrieved May 23, 2017.
  46. ^ Richard Gao (May 23, 2017). "Android Pay is official for Russia, with 15 banks supported at launch". androidpolice.com. Archived from the original on May 24, 2017. Retrieved May 23, 2017.
  47. ^ "Android Pay set to launch in Canada on May 31st". MobileSyrup. May 24, 2017. Archived from the original on May 26, 2017. Retrieved May 25, 2017.
  48. ^ "Android Pay says "Nǐ Hǎo" to Taiwan". Google. June 1, 2017. Archived from the original on June 6, 2017. Retrieved June 1, 2017.
  49. ^ "Android Pay says "hola" to Spain". Google. July 26, 2017. Archived from the original on July 28, 2017. Retrieved July 26, 2017.
  50. ^ "Ukrainians with Android will be able to pay in the store by phone". Delo (in Russian). Archived from the original on October 29, 2017. Retrieved October 27, 2017.
  51. ^ "Google marca evento para lançar Android Pay no Brasil". Tecnoblog (in Portuguese). Archived from the original on November 7, 2017. Retrieved November 6, 2017.
  52. ^ "Android Pay set to launch in the Czech Republic on November 14". Android Police. November 8, 2017. Archived from the original on November 8, 2017. Retrieved November 9, 2017.
  53. ^ "Android Pay príde na Slovensko už tento mesiac". Mojandroid (in Slovak). Archived from the original on February 22, 2018. Retrieved February 13, 2018.
  54. ^ "Slovakia becomes first to use Google Pay". The Slovak Spectator. Retrieved June 7, 2018.
  55. ^ "Google Pay in Deutschland: Android-App ist verfügbar, deutsche Webseite Online & diese Banken sind dabei" (in German). GoogleWatchBlog. June 26, 2018. Archived from the original on June 26, 2018. Retrieved June 25, 2018.
  56. ^ Killian Bell (June 26, 2018). "Google Pay lands in Germany with support for 4 local banks". androidpolice.com. Retrieved June 26, 2018.
  57. ^ Google Support - Google Pay - Supported Countries - Croatia
  58. ^ "PC Chip". pcchip.hr (in Croatian). Retrieved August 1, 2018.
  59. ^ Taylor Kerns (August 1, 2018). "Google Pay is now available in Croatia". androidpolice.com. Retrieved August 1, 2018.
  60. ^ Google Support - Google Pay - Supported Countries - Italy
  61. ^ "Google Pay oggi in Italia. Come funziona e con che banche" [Google Pay today in Italy. How it works and with what banks]. www.dday.it (in Italian). Retrieved September 19, 2018.
  62. ^ "Google Pay è arrivato in Italia" [Google Pay has arrived in Italy] (in Italian). ilpost.it. September 19, 2018. Retrieved September 19, 2018.
  63. ^ Jordan Palmer (September 19, 2018). "Google Pay arrives in Italy, supports 7 banks". androidpolice.com. Retrieved September 19, 2018.
  64. ^ a b c d "Google Pay launches in Denmark, Finland, Norway, and Sweden". Android Police. 2018-10-30. Retrieved 2018-11-01.
  65. ^ https://www.arabianbusiness.com/banking-finance/408118-google-pay-now-available-in-uae
  66. ^ "Google Pay has launched in Chile with CMR Falabella". Android Police. 2018-11-28. Retrieved 2018-11-30.
  67. ^ Bradshaw, Kyle (2018-12-10). "Google Pay is now available in France, w/ initial support from 6 banks and card companies". 9to5Google. Retrieved 2018-12-11.
  68. ^ Jin-young, Cho (June 13, 2017). "Android Pay to Debut in August in Korea". BusinessKorea. Archived from the original on June 17, 2017. Retrieved June 16, 2017.
  69. ^ "Pay with your smartwatch". Google support. Archived from the original on February 7, 2019.
  70. ^ SN, Vikas (August 23, 2018). "Google may rename Tez as Pay & bring UPI to store". The Economic Times. Retrieved August 30, 2018.

External links[edit]

Retrieved from "https://en.wikipedia.org/w/index.php?title=Google_Pay&oldid=882832927"

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