Google 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 would have all the features of Android Pay, while Google Wallet features such as requesting and sending money appear in Google Pay Send, currently a separate app.[5][6]

The rebranded service provided a new API that allows merchants to add the payment service to websites, apps, Stripe, Braintree, and Google Assistant.[7] The service allows users to use the payment cards they have on file with Google Play.[8]


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]

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.[11] 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.[12]


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.[13] It also used technology from the carrier-backed Softcard—Google had acquired its intellectual property in February 2015.[9][14] 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.[15] 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".[16] Android Pay was launched in Singapore on June 28, 2016,[17] and in Australia on July 14, 2016.[18][19] 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.[20]

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.[21][22]

On September 18, 2017, Google launched an UPI-based app Tez in India and clarified that they did not have any immediate plan to launch Android Pay in India.[23]

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.[24] 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.[25][26][27]


Supported countries

Global availability of Google Pay (as of February 20, 2018)[28]
Release dates
Date Support for payment cards issued in
September 11, 2015  United States
May 18, 2016  United Kingdom[29]
June 27, 2016  Singapore[30]
July 13, 2016  Australia[31]
October 20, 2016  Hong Kong[32][33]
November 17, 2016  Poland[34]
December 1, 2016  New Zealand[35]
December 7, 2016  Ireland[36]
December 13, 2016  Japan[37]
March 7, 2017  Belgium[38]
May 23, 2017  Russia[39][40]
May 31, 2017  Canada[41]
June 1, 2017  Taiwan[42]
July 26, 2017  Spain[43]
November 1, 2017  Ukraine[44]
November 14, 2017  Brazil[45]
 Czech Republic[46]
February 28, 2018  Slovakia[47]
Spring 2018
TBA 2018  South Korea[49]

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

Supported networks

See also


  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. ^ Nieva, Richard; Bennett, Brian (January 8, 2018). "Google merges payment platforms under Google Pay brand". CNET. CBS Interactive. Retrieved January 8, 2018. 
  4. ^ Simon, Michael (8 January 2018). "Google is combining Android Pay and Google Wallet under one brand: Google Pay". PCWorld. International Data Group. Retrieved 8 January 2018. 
  5. ^ Amadeo, Ron (8 January 2018). "Google rebrands all its payment solutions as "Google Pay"". Ars Technica. Condé Nast. Retrieved 8 January 2018. 
  6. ^ Nieva, Richard; Bennett, Brian (8 January 2018). "Google merges payment platforms under Google Pay brand". CNET. CBS Interactive. Retrieved 8 January 2018. 
  7. ^ Perez, Sarah (17 May 2017). "Google will now let users pay with any card they have on file, not just those saved in Android Pay". TechCrunch. Retrieved 24 December 2017. 
  8. ^ Schoon, Ben (23 October 2017). "'Pay with Google' makes it easy to pay online with any card tied to your Google account". 9to5Google. Retrieved 24 December 2017. 
  9. ^ a b c d "Google introduces Android Pay, a replacement for its wallet app on mobile". The Verge. Retrieved May 28, 2015. 
  10. ^ "Set up Google Pay". 
  11. ^ Google Developers (2015). "Fingerprint and payments APIs (100 Days of Google Dev)". Google. Retrieved December 2, 2016 – via YouTube. 
  12. ^ "Google introduces Android Pay, a replacement for its wallet app on mobile". The Verge. Retrieved May 28, 2015. 
  13. ^ Tilenius, Stephanie (2011). "Google Wallet Product Launch". Google. Retrieved December 2, 2016 – via YouTube. 
  14. ^ Welch, Chris (March 5, 2015). "Softcard is shutting down on March 31st, and Google Wallet will replace it". The Verge. Retrieved March 5, 2015. 
  15. ^ "Participating banks and supported cards for Android Pay". Android Pay Help. Google. Retrieved December 2, 2016. 
  16. ^ Sebastian (September 8, 2016). "Android Pay now available in Google Chrome, more Banks supported". TestImpulse.com. Retrieved September 9, 2016. 
  17. ^ 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. 
  18. ^ Bhat, Pali (May 18, 2016). "Android Pay now in the UK, new countries on the way". Android Official Blog. UK: Google. Retrieved December 2, 2016. 
  19. ^ El Khoury, Rita (December 16, 2015). "[900 Dollarydoos] Android Pay Is Coming To Australia In 2016". Android Police. 
  20. ^ Cóil, Donncha Mac (December 7, 2016). "Google Launches Smartphone Payment System In Ireland". Checkout Magazine. Retrieved December 30, 2016. 
  21. ^ Lynley, Matthew (March 2, 2016). "Google experiments with a way to pay without taking out your phone". TechCrunch.com. AOL. 
  22. ^ Bhat, Pali (March 2, 2016). "Testing, Testing - One, Two, Hands Free". Google Commerce. Google. Retrieved December 2, 2016. 
  23. ^ Singh, Manish (September 18, 2017). "Google Tez UPI-Based Digital Payments App Launched in India". Gadgets 360. NDTV. Retrieved September 26, 2017. 
  24. ^ "Say hello to a better way to pay, by Google". Google. 2018-02-20. Retrieved 2018-02-20. 
  25. ^ Lardinois, Frederic. "Say goodbye to Android Pay and hello to Google Pay". TechCrunch. Retrieved 2018-02-20. 
  26. ^ "Google is combining Android Pay and Google Wallet into one service called Google Pay". The Verge. Retrieved 2018-02-20. 
  27. ^ "Google Pay Debuts New Mobile Payment App PYMNTS.com". www.pymnts.com. Retrieved 2018-02-20. 
  28. ^ "Participating banks and supported cards for Google Pay". Google support. 
  29. ^ "Android Pay launches in the UK". Retrieved December 13, 2016. 
  30. ^ "Tap. Pay. Islandwide: Android Pay arrives in Singapore". Retrieved December 13, 2016. 
  31. ^ "Android Pay launches in Australia". Retrieved December 13, 2016. 
  32. ^ "Android Pay launches in Hong Kong". Retrieved December 13, 2016. 
  33. ^ Shaun Lee (October 20, 2016). "Google Launches Android Pay In Hong Kong". androidheadlines.com. Retrieved May 23, 2017. 
  34. ^ "Android Pay launches in Poland". Retrieved December 13, 2016. 
  35. ^ "Android Pay launches in New Zealand". Retrieved December 13, 2016. 
  36. ^ "Now you can use your phone to buy things in shops". Retrieved December 13, 2016. 
  37. ^ "Google's Android Pay mobile wallet arrives in Japan". Retrieved December 13, 2016. 
  38. ^ "Belgium, Meet Android Pay". Retrieved March 7, 2017. 
  39. ^ "Russia, Meet Android Pay". Retrieved May 23, 2017. 
  40. ^ Richard Gao (May 23, 2017). "Android Pay is official for Russia, with 15 banks supported at launch". androidpolice.com. Retrieved May 23, 2017. 
  41. ^ "Android Pay set to launch in Canada on May 31st". MobileSyrup. May 24, 2017. Retrieved May 25, 2017. 
  42. ^ "Android Pay says "Nǐ Hǎo" to Taiwan". Google. June 1, 2017. Retrieved June 1, 2017. 
  43. ^ "Android Pay says "hola" to Spain". Google. July 26, 2017. Retrieved July 26, 2017. 
  44. ^ "Ukrainians with Android will be able to pay in the store by phone". Delo (in Russian). Retrieved October 27, 2017. 
  45. ^ "Google marca evento para lançar Android Pay no Brasil". Tecnoblog (in Portuguese). Retrieved November 6, 2017. 
  46. ^ "Android Pay set to launch in the Czech Republic on November 14". Android Police. November 8, 2017. Retrieved November 9, 2017. 
  47. ^ "Android Pay príde na Slovensko už tento mesiac". Mojandroid (in Slovak). Retrieved February 13, 2018. 
  48. ^ http://www.frandroid.com/android/applications/google-apps/488175_exclusif-google-pay-ex-android-pay-debarque-en-france-en-avril.  Missing or empty title= (help)
  49. ^ Jin-young, Cho (June 13, 2017). "Android Pay to Debut in August in Korea". BusinessKorea. Retrieved June 16, 2017.