Google Pay

Google Pay (stylized as 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]

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

Service

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

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]

Android Pay logo
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

Supported countries

Google Pay Availability
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

See also

References

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External links

Apple Wallet

Apple Wallet (Wallet for short, formerly Apple Passbook) is a mobile app included with the iOS operating system that allows users to store Wallet-passes, meaning coupons, boarding passes, student ID cards, event tickets, movie tickets, public transportation tickets, store cards, (and starting with iOS 8.1) credit cards, debit cards, prepaid cards, and loyalty cards via Apple Pay. It was designed by Apple Inc. and was presented at the 2012 Apple Worldwide Developers Conference (WWDC) on June 11, 2012. The app first appeared on iOS 6 on September 19, 2012.

Chicago Transit Authority

The Chicago Transit Authority (CTA) is the operator of mass transit in Chicago, Illinois and some of its surrounding suburbs, including the trains of the Chicago "L" and CTA bus service.

The CTA is an Illinois independent governmental agency that started operations on October 1, 1947 upon the purchase and combination of the transportation assets of the Chicago Rapid Transit Company and the Chicago Surface Lines streetcar system. In 1952, CTA purchased the assets of the Chicago Motor Coach Company, which was under the control of Yellow Cab Company founder John D. Hertz, resulting in a fully unified system. Today, the CTA is one of the three service boards financially supported by the Regional Transportation Authority and CTA service connects with the commuter rail Metra, and suburban bus and paratransit service, Pace.

Comparison of payment systems

Comparison of payment systems (also known as comparison of payment processing services, comparison of payment processors, or comparison of merchant services) is a list displaying comparative information and fee rates on various payment systems (also payment processing services, payment processor, or merchant services). Information such as these are compared and shown: seller's/merchant's fees, buyer's fees, banking transfer fees, clearing-house fees, interchange fees, chargeback/return fees, currency conversion fees, monthly fees, usage, verification time, deposit time, technology support, customer-service quality, etc.

There are too many payment systems and services providers (see List of online payment service providers) to list in detail or in brief all on the same page. This article will focus mainly on the payment/merchant systems and services that are the most popular among majority of sellers and buyers, have comparatively lowest fee rate or free options, and which have comparatively most features for sellers/merchants and buyers, lowest cost or free payment receiving (card readers, Payment terminal (PTà, Point of sale (POS) & printing equipments, and which have good or better track record, (good or better) customer service quality, etc according to BBB and similar credible rating services.

Displayed fees and rates can change anytime. Displayed fee-data and rate info may not be actual fee or rate in use currently right now. Fee-rates also vary, based on volumes/quantities of sale, for different seller/business, i.e. sellers/merchants can negotiate with payment-system or merchant-service provider to obtain a comparatively lower & better rate, when their selling volume is comparatively very high. When this page is edited by Wikipedia editors, then they will usually add at-that-moment minimum-fee or flat-rate info, for the section which they are editing. Visit payment-system's referenced linked webpage (shown at bottom-side), for payment service provider's current information.

Contactless payment

Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC, e.g. Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, Merpay or any bank mobile application that support Contactless) for making secure payments. The embedded chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal. Contactless payments are made in close physical proximity, unlike mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity.

Some suppliers claim that transactions can be almost twice as fast as a conventional cash, credit, or debit card purchase. Because no signature or PIN verification is typically required, contactless purchases are typically limited to small value sales. Lack of authentication provides a window during which fraudulent purchases can be made while the card owner is unaware of the card's loss.

In 2012, MasterCard Advisors wrote that consumers are likely to spend more money using their cards due to the ease of small transactions. MasterCard Canada says it has seen "about 25 percent" higher spending by users of its Mastercard Contactless-brand RFID credit cards.EMV is a common standard used by major credit card and smartphone companies for use in general commerce. Contactless smart cards that function as stored-value cards are becoming popular for use as transit system farecards, such as the Oyster card or RioCard. These can often store non-currency value (such as monthly passes) in additional to fare value purchased with cash or electronic payment.

Digital wallet

A digital wallet refers to an electronic device or online service that allows an individual to make electronic transactions. This can include purchasing items on-line with a computer or using a smartphone to purchase something at a store. An individual's bank account can also be linked to the digital wallet. They might also have their driver's license, health card, loyalty card(s) and other ID documents stored on the phone. The credentials can be passed to a merchant's terminal wirelessly via near field communication (NFC). Increasingly, digital wallets are being made not just for basic financial transactions but to also authenticate the holder's credentials. For example, a digital wallet could verify the age of the buyer to the store while purchasing alcohol. The system has already gained popularity in Japan, where digital wallets are known as "wallet mobiles". A cryptocurrency wallet is a digital wallet where private keys are stored for cryptocurrencies like bitcoin.

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Google Express

Google Express, formerly Google Shopping Express, is a shopping service from Google available in some parts of the United States that was launched on a free trial basis across the San Francisco Peninsula. Originally it was a same-day service. It later expanded to same-day and overnight delivery. Originally pricing was the same as in-person shopping, but later increased to the point where prices are typically US$4-$10 more per item; Google Express Help said, "Because item prices are set by stores, sometimes you'll see prices on Google Express that differ from what you'd see in the store: this depends both on the merchant and the location of the store your items come from."The service was first announced in March 2013, from San Francisco as far south as San Jose. Retailers include a mix of national and local stores. It was publicly launched on September 25, 2013, with some added retailers but still restricted to San Francisco and Silicon Valley. Apps for Android and Apple smartphones were announced the same day; using these enables customers to use their loyalty accounts. In May 2014 the service was expanded to New York City and West Los Angeles, and in October 2014 service was added in Chicago, Boston, and Washington, DC, as well as additional retailers.At launch, Google waived the subscription fee for testers and for the first six months after sign-up; the fee is somewhat below that for Amazon Prime. Amazon, which is also testing same-day delivery in selected markets, is the main competitor. Delivery began with Prius sedans in Google Express livery, about 50 cars as of August 2013, when the service was available in 88 ZIP codes. The fleet was later expanded to include Ford Transit vans, and the company announced it might use bicycle and on-foot delivery in some areas. The deliveries are subcontracted to a courier service, initially 1-800-Courier, and later also OnTrac. In the testing phase, retailers were not charged, or paid only a nominal fee. Customers pay $5 per shopping stop and receive deliveries within a three- to five-hour window. Customers must have a Google Pay account.The service displays a map of the merchandise pickup and delivery locations, and attempts to use the nearest available outlet, although not always successfully.In October 2017, merchant partners included Walmart, Target Corporation, Costco, and Fry's Electronics.

Google Pay Send

Google Pay Send (formerly Google Wallet) is a peer-to-peer payments service developed by Google that allows people to send and receive money from a mobile device or desktop computer at no cost to either sender or receiver. When set up, a Google Pay account must be linked to an existing debit card or bank account in the United States or United Kingdom. Google Pay Send can be used through the Google Pay Send app and Gmail. The app is available for Android devices running Android 4.0 and above, and for iOS devices running iOS 7.0 and above.Since 2018, Android Pay and Google Wallet has unified into a single pay system called Google Pay. Google Pay Send, a feature included inside Google Pay, has replaced the Google Wallet service.

Google Takeout

Google Takeout (Google Takeaway in some languages, on the site itself called "Download your data") is a project by the Google Data Liberation Front that allows users of Google products, such as YouTube and Gmail, to export their data to a downloadable archive file.

LG Pay

LG Pay is a mobile payment and digital wallet service by LG Electronics that lets users make payments using compatible phones and in the future are other LG-produced devices. The service supports contactless payments using near-field communications, but also incorporates wireless magnetic communication that allows contactless payments to be used on payment terminals that only support magnetic stripe and normal contactless cards.The service was launched in South Korea on June 02, 2017 and is awaiting confirmation if it would be launched overseas.

List of Google apps for Android

e Google Play Store, although some may not show up in search results if they are listed as incompatible with your device (even though they may still function from an *.apk). Some of Google's apps may be pre-installed on some devices, depending upon the device manufacturer and the version of Android. A few of these apps, such as Gboard, are not supported on older versions of Android.

List of Google products

The following is a list of products and services provided by Google.

Microsoft Pay

Microsoft Pay (previously Microsoft Wallet) is a mobile payment and digital wallet service by Microsoft that lets users make payments and store loyalty cards on certain devices. Making payments is currently supported on the Microsoft Edge browser. Microsoft Pay does not require Microsoft Pay-specific contactless payment terminals, and can work with existing contactless terminals if used on mobile devices. Similar to Android Pay, Microsoft Pay utilizes Host card emulation (HCE) for making in-store payments. The service's original name was also originally used for a credit card manager feature included in Windows 98 and Internet Explorer 5, which required support from each web site for it to work.

N26 (bank)

N26 (formerly known as Number 26 until July 2016) is a German direct bank, headquartered in Berlin, Germany, that offers its services throughout most of the Eurozone and in the UK. N26 has also announced plans to expand to the US in early 2019.

Swift card

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Tez (software)

Tez was a mobile payments service by Google, targeted at users in India. It was rebranded to Google Pay on August 28, 2018. It operates atop the Unified Payments Interface, developed by the National Payments Corporation of India. It can be used where UPI payments are accepted. Tez works on the vast majority of India’s smartphones (with apps for both Android and iOS) with the Android app supporting English, Hindi, Telugu, Bengali, Gujarati, Kannada, Marathi, and Tamil with more languages coming soon. There are plans to release the app in other emerging countries including Vietnam, Indonesia, and Thailand. "Tez" is the Hindi word for "Fast". Within 37 days after being launched, Tez got about 8.5 million installations. Over 30 million transactions were made on the app as of October 27, 2017.

Transport for London

Transport for London (TfL) is a local government body responsible for the transport system in Greater London, England. Its head office is 55 Broadway in the City of Westminster.TfL has responsibility for London's network of principal road routes, for various rail networks including the London Underground, London Overground, Docklands Light Railway and TfL Rail. It does not control National Rail services in London, however, but does for London's trams, buses and taxis, for cycling provision, and for river services. The underlying services are provided by a mixture of wholly owned subsidiary companies (principally London Underground), by private sector franchisees (the remaining rail services, trams and most buses) and by licensees (some buses, taxis and river services). TfL is also responsible, jointly with the national Department for Transport (DfT), for commissioning the construction of the new Crossrail line, and will be responsible for franchising its operation once completed.In 2015–16, TfL had a budget of £11.5 billion, 40% of which comes from fares. The rest comes from government funding (23%), borrowing (20%), Congestion Charge and other income (9%) and Crossrail funding (8%).

Wear OS

Wear OS, also known as Wear OS by Google and previously called Android Wear, is a version of Google's Android operating system designed for smartwatches and other wearables. By pairing with mobile phones running Android version 4.3 or newer, or iOS version 8.2 or newer with limited support from Google's pairing application, Wear OS integrates Google Assistant technology and mobile notifications into a smartwatch form factor.

Wear OS supports Bluetooth, Wi-Fi, 3G and LTE connectivity, as well as a range of features and applications. Watch face styles include round, square and rectangular. Released devices include Motorola Moto 360, the LG G Watch, and the Samsung Gear Live. Hardware manufacturing partners include Asus, Broadcom, Fossil, HTC, Intel, LG, MediaTek, Imagination Technologies, Motorola, New Balance, Qualcomm, Samsung, Huawei, Skagen, Polar and TAG Heuer, Mobvoi.In the first six months of availability, Canalys estimates that over 720,000 Android Wear smartwatches were shipped. As of 15 March 2018, Wear OS had between 10 and 50 million application installations. Wear OS was estimated to account for 10% of the smart watch market in 2015.

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