Google Pay (payment method): Difference between revisions

Google Pay
Developer(s)	Google
Initial release	May 26, 2011; 13 years ago (as Google Wallet); September 11, 2015; 8 years ago (as Android Pay); January 8, 2018; 6 years ago (as Google Pay)
Stable release(s) [±]
Operating system	Android 5 or later; Wear OS 2 or later
Platform	In store:; Android phones or Wear OS smartwatches with NFC; On the web:; Android, Chrome OS, Windows, macOS, iOS, iPadOS, and Linux using Chrome, Edge, Firefox, Opera, Samsung Internet, or Safari;
License	Proprietary
Website	developers.google.com/pay

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

As of 2021^[update], it is currently available in 42 countries.^[2] In 2022, a companion app named Google Wallet was released.

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 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] It has no card limit.^[5]^[6]^[7]

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.^[8]

Technology

Google Pay uses the EMV Payment Tokenisation Specification.^[9]

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, users hold their authenticated Android device to the point-of-sale system's NFC reader. Android users authenticate unlocking their phone by using biometrics, a pattern, or a passcode, whereas Wear OS users authenticate by opening the Google Wallet app prior to payment.^[10]

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 phone's or watch'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. Additionally, in certain markets which have a "no verification contactless limit" using contactless cards (such as the £100 limit in the United Kingdom and the CA$100 limit in Canada), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Google Pay, provided that their terminal software is updated to support the latest network contactless specifications.^[11]^[12]

References

Cite error: A list-defined reference named "jppay" is not used in the content (see the help page).

^ "Set up screen lock to make contactless payments - Android - Google Pay Help". support.google.com. Retrieved July 20, 2022.
^ "Find supported payment methods for contactless purchases - Android". Google Pay Help. Archived from the original on June 11, 2020. Retrieved June 11, 2020.
^ "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.
^ "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.
^ "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.
^ "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.
^ "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.
^ "Pay with your smartwatch". Google Pay Help. Google Inc. Retrieved July 8, 2020.
^ "Set up screen lock to make contactless payments – Android – Google Pay Help". Google Inc. Retrieved July 8, 2020.
^ "CDCVM – Google Pay Merchant Help". Google Inc. Retrieved July 8, 2020.

External links

Media related to Google Pay at Wikimedia Commons

Official website

[1] "Set up screen lock to make contactless payments - Android - Google Pay Help". support.google.com. Retrieved July 20, 2022.

[2] "Find supported payment methods for contactless purchases - Android". Google Pay Help. Archived from the original on June 11, 2020. Retrieved June 11, 2020.

[TheVerge-androidpay-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. Retrieved May 28, 2015.

[4] "Set up Google Pay". Archived from the original on June 4, 2018.

[5] "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.

[6] "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.

[7] "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.

[fingerp15-8] "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.

[emvpaytok-9] "Payment Tokenisation". EMVco. March 1, 2014.

[10] "Pay with your smartwatch". Google Pay Help. Google Inc. Retrieved July 8, 2020.

[11] "Set up screen lock to make contactless payments – Android – Google Pay Help". Google Inc. Retrieved July 8, 2020.

[12] "CDCVM – Google Pay Merchant Help". Google Inc. Retrieved July 8, 2020.

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@@ Line 44: / Line 44: @@
 ===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 phone's or watch'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. Additionally, in certain markets which have a "no verification contactless limit" using contactless cards (such as the £100 limit in the United Kingdom and the CA$100 limit in Canada), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Google Pay, provided that their terminal software is updated to support the latest network contactless specifications.<ref>{{Cite news |url= https://support.google.com/pay/answer/7644132 |title= Set up screen lock to make contactless payments – Android – Google Pay Help |publisher=Google Inc. |access-date= 2020-07-08 |df= mdy-all}}</ref><ref>{{Cite news |url= https://support.google.com/pay/merchants/answer/7381753 |title= CDCVM – Google Pay Merchant Help |publisher=Google Inc. |access-date= 2020-07-08 |df= mdy-all}}</ref>
-== Availability ==
-=== Supported countries ===
-[[File:Google Pay Availability.svg|right|614x614px|thumb|Global availability of Google Pay - <b style="color:#6ec848;">Green:</b> Available;<ref>{{cite web|url=https://support.google.com/pay/topic/7351519|title=Participating banks and supported cards for Google Pay|work=Google support|url-status=live|archive-url=https://web.archive.org/web/20180919173515/https://support.google.com/pay/topic/7351519|archive-date=September 19, 2018}}</ref> <b style="color:#757575;">Grey:</b> No longer available/suspended]]
-Google Pay is currently available in 42 countries worldwide.
-{| class="wikitable" style="font-size:95%"
-!Release date
-!Support for payment cards issued in
-![[Flutter (software)|Flutter]] version
-![[Wear OS]] support<ref>{{Cite web|title=Countries or regions where you can use Google Pay - Google Pay Help|url=https://support.google.com/pay/answer/9023773#pay-with-wear&zippy=,pay-with-wear-os|access-date=2021-09-08|website=support.google.com}}</ref>
-!iOS support<ref>{{Cite web|title=Countries where you can use Google Pay - Google Pay Help|url=https://support.google.com/pay/answer/9023773|url-status=live|archive-url=https://web.archive.org/web/20201117153743/https://support.google.com/pay/answer/9023773|archive-date=17 November 2020|access-date=2020-11-17|website=support.google.com}}</ref><ref>{{Cite web|title=Google Pay Singapore|url=https://apps.apple.com/sg/app/google-pay-singapore/id1486125121|access-date=2021-09-08|website=apps.apple.com|language=en-GB}}</ref>
-|-
-|style="background:#fef6e7;"|September 11, 2015
-|style="background:#fef6e7;"| {{USA}} || {{ya}} || {{ya}} || {{ya}}
-|-
-|style="background:#fef6e7;"|May 18, 2016<ref>{{cite web|url=https://www.nfcworld.com/2016/05/18/344805/android-pay-launches-uk/|title=Android Pay launches in the UK|date=May 18, 2016|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161220110147/https://www.nfcworld.com/2016/05/18/344805/android-pay-launches-uk/|archive-date=December 20, 2016}}</ref>
-|style="background:#fef6e7;"| {{GBR}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|June 27, 2016<ref>{{cite web|url=https://techcrunch.com/2016/07/13/android-pay-launches-in-australia/|title=Tap. Pay. Islandwide: Android Pay arrives in Singapore|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161220123401/https://techcrunch.com/2016/07/13/android-pay-launches-in-australia/|archive-date=December 20, 2016}}</ref>
-|style="background:#fef6e7;"| {{SGP}} || {{ya}} || {{ya}} || {{ya}}
-|-
-|style="background:#fef6e7;"|July 13, 2016<ref>{{cite web|url=https://blog.google/products/android/tap-pay-islandwide-android-pay-arrives/|title=Android Pay launches in Australia|date=June 27, 2016|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161220150908/https://blog.google/products/android/tap-pay-islandwide-android-pay-arrives/|archive-date=December 20, 2016}}</ref>
-|style="background:#fef6e7;"| {{AUS}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|October 20, 2016<ref>{{cite web|url=https://www.nfcworld.com/2016/10/20/347897/android-pay-launches-hong-kong/|title=Android Pay launches in Hong Kong|date=October 20, 2016|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161220111409/https://www.nfcworld.com/2016/10/20/347897/android-pay-launches-hong-kong/|archive-date=December 20, 2016}}</ref><ref>{{Cite web|url=https://www.androidheadlines.com/2016/10/google-launches-android-pay-hong-kong.html|title=Google Launches Android Pay In Hong Kong|date=October 20, 2016|access-date=May 23, 2017|publisher=androidheadlines.com|author=Shaun Lee}}</ref><ref name="2021 Wear OS Update">{{Cite web|date=2021-08-11|title=5 things to try with Wear OS on the Samsung Galaxy Watch4|url=https://blog.google/products/wear-os/galaxy-watch4/|access-date=2021-08-11|website=Google|language=en-us}}</ref>
-|style="background:#fef6e7;"| {{HKG}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|November 17, 2016<ref>{{cite web|url=https://www.paymentssource.com/news/android-pay-launches-in-poland|title=Android Pay launches in Poland|date=November 17, 2016|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161221101124/https://www.paymentssource.com/news/android-pay-launches-in-poland|archive-date=December 21, 2016}}</ref>
-|style="background:#fef6e7;"| {{POL}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|December 1, 2016<ref>{{cite web|url=http://www.scoop.co.nz/stories/BU1612/S00019/android-pay-launches-in-new-zealand.htm|title=Android Pay launches in New Zealand|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161220111633/http://www.scoop.co.nz/stories/BU1612/S00019/android-pay-launches-in-new-zealand.htm|archive-date=December 20, 2016}}</ref><ref name="2021 Wear OS Update"/>
-|style="background:#fef6e7;"| {{NZL}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|December 7, 2016<ref>{{cite web|url=https://www.irishtimes.com/business/technology/now-you-can-use-your-phone-to-buy-things-in-shops-1.2895555|title=Now you can use your phone to buy things in shops|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161209154636/http://www.irishtimes.com/business/technology/now-you-can-use-your-phone-to-buy-things-in-shops-1.2895555|archive-date=December 9, 2016}}</ref><ref name="2021 Wear OS Update"/>
-|style="background:#fef6e7;"| {{IRL}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|December 13, 2016<ref>{{cite web|url=https://www.cnet.com/news/googles-android-pay-mobile-wallet-arrives-in-japan-apple-pay/|title=Google's Android Pay mobile wallet arrives in Japan|access-date=December 13, 2016|url-status=live|archive-url=https://web.archive.org/web/20161214173126/https://www.cnet.com/news/googles-android-pay-mobile-wallet-arrives-in-japan-apple-pay/|archive-date=December 14, 2016}}</ref>
-|style="background:#fef6e7;"| {{JPN}} || {{na}} || {{na}} || {{na}}
-|-
-|style="background:#fef6e7;"|March 7, 2017<ref>{{cite web|url=https://blog.google/topics/shopping-payments/belgium-meet-android-pay/|title=Belgium, Meet Android Pay|date=March 7, 2017|access-date=March 7, 2017|url-status=live|archive-url=https://web.archive.org/web/20170307044631/https://blog.google/topics/shopping-payments/belgium-meet-android-pay/|archive-date=March 7, 2017}}</ref><ref name="2021 Wear OS Update"/>
-|style="background:#fef6e7;"| {{BEL}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|May 23, 2017<ref>{{cite web|url=https://russia.googleblog.com/2017/05/android-pay_22.html|title=Russia, Meet Android Pay|access-date=May 23, 2017|url-status=live|archive-url=https://web.archive.org/web/20170610110340/https://russia.googleblog.com/2017/05/android-pay_22.html|archive-date=June 10, 2017}}</ref><ref>{{Cite web|url=http://www.androidpolice.com/2017/05/22/android-pay-official-russia-15-banks-supported-launch/|title=Android Pay is official for Russia, with 15 banks supported at launch|date=May 23, 2017|access-date=May 23, 2017|publisher=androidpolice.com|author=Richard Gao|url-status=live|archive-url=https://web.archive.org/web/20170524075833/http://www.androidpolice.com/2017/05/22/android-pay-official-russia-15-banks-supported-launch/|archive-date=May 24, 2017}}</ref><ref>{{cite web|title=Russia: Supported payment methods: Payments with Google Pay are not working at this time, as some of the international payment networks may no longer support cards added to a mobile wallet. Please use an alternate form of payment, such as cash, plastic cards or bank transfers. You can continue using Google Pay to save items like loyalty cards and boarding passes.|url=https://support.google.com/pay/answer/7397640|access-date=20 March 2022}}</ref>
-|style="background:#cccccc;"| {{RUS}} (suspended){{efn|name=rupay|As of February 2022, Russian banks have lost access to Google Pay due to [[International sanctions during the Russo-Ukrainian War|sanctions imposed]] by the United States government as part of its response to the [[2022 Russian invasion of Ukraine]].<ref name="Russia suspended">{{Cite web|title=Карты всех платежных систем в России продолжают нормально работать {{!}} Банк России|url=https://www.cbr.ru/press/event/?id=12720|access-date=2022-02-25|website=www.cbr.ru}}</ref>}}
-|style="background:#cccccc;text-align:center;"| [[File:Dark Red x.svg|13px|link=|No]]
-|style="background:#cccccc;text-align:center;"| [[File:Yes check.svg|13px|link=|Yes]]
-|style="background:#cccccc;text-align:center;"| [[File:Dark Red x.svg|13px|link=|No]]
-|-
-|style="background:#fef6e7;"|May 31, 2017<ref>{{Cite web|url=http://mobilesyrup.com/2017/05/24/android-pay-canada-may-31-mobile-payments/|title=Android Pay set to launch in Canada on May 31st|date=May 24, 2017|website=MobileSyrup|access-date=May 25, 2017|url-status=live|archive-url=https://web.archive.org/web/20170526231003/http://mobilesyrup.com/2017/05/24/android-pay-canada-may-31-mobile-payments/|archive-date=May 26, 2017}}</ref>
-|style="background:#fef6e7;"| {{CAN}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|June 1, 2017<ref>{{Cite news|url=https://blog.google/topics/shopping-payments/android-pay-says-n-ho-taiwan/|title=Android Pay says "Nǐ Hǎo" to Taiwan|date=June 1, 2017|access-date=June 1, 2017|language=en|url-status=live|archive-url=http://archive.wikiwix.com/cache/20170606010704/https://blog.google/topics/shopping-payments/android-pay-says-n-ho-taiwan/|archive-date=June 6, 2017}}</ref><ref name="2021 Wear OS Update"/>
-|style="background:#fef6e7;"| {{TWN}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|July 26, 2017<ref>{{Cite news|url=https://www.blog.google/topics/shopping-payments/android-pay-says-hola-spain/|title=Android Pay says "hola" to Spain|date=July 26, 2017|access-date=July 26, 2017|language=en|url-status=live|archive-url=http://archive.wikiwix.com/cache/20170728180229/https://www.blog.google/topics/shopping-payments/android-pay-says-hola-spain/|archive-date=July 28, 2017}}</ref>
-|style="background:#fef6e7;"| {{ESP}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|November 1, 2017<ref>{{Cite news|url=https://delo.ua/tech/ukraincy-s-android-smogut-platit-telefonom-335865/|title=Ukrainians with Android will be able to pay in the store by phone|work=Delo|access-date=October 27, 2017|language=ru|url-status=live|archive-url=http://archive.wikiwix.com/cache/20171029170147/https://delo.ua/tech/ukraincy-s-android-smogut-platit-telefonom-335865/|archive-date=October 29, 2017}}</ref><ref name="2021 Wear OS Update"/>
-|style="background:#fef6e7;"| {{UKR}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;" rowspan=2|November 14, 2017<ref>{{Cite news|url=https://tecnoblog.net/227460/android-pay-brasil-evento-lancamento/|title=Google marca evento para lançar Android Pay no Brasil|work=Tecnoblog|access-date=November 6, 2017|language=pt|url-status=live|archive-url=http://archive.wikiwix.com/cache/20171107032613/https://tecnoblog.net/227460/android-pay-brasil-evento-lancamento/|archive-date=November 7, 2017}}</ref><ref>{{cite web|title=Android Pay set to launch in the Czech Republic on November 14|url=http://www.androidpolice.com/2017/11/08/android-pay-set-launch-czech-republic-november-14/|website=Android Police|access-date=November 9, 2017|date=November 8, 2017|url-status=live|archive-url=https://web.archive.org/web/20171108183712/http://www.androidpolice.com/2017/11/08/android-pay-set-launch-czech-republic-november-14/|archive-date=November 8, 2017}}</ref><ref name="2021 Wear OS Update"/>
-|style="background:#fef6e7;"| {{BRA}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"| {{CZE}} || {{na}} || {{ya}} || {{na}}
-|-
-|February 28, 2018<ref>{{Cite news|url=https://www.mojandroid.sk/google-pay-android-pay-slovensko/|title=Android Pay príde na Slovensko už tento mesiac|work=Mojandroid|access-date=February 13, 2018|language=sk|url-status=live|archive-url=https://web.archive.org/web/20180222165216/https://www.mojandroid.sk/google-pay-android-pay-slovensko/|archive-date=February 22, 2018}}</ref><ref>{{Cite news|url=https://spectator.sme.sk/c/20770918/slovakia-becomes-first-to-use-google-pay.html|title=Slovakia becomes first to use Google Pay|work=The Slovak Spectator|access-date=June 7, 2018}}</ref><ref name="2021 Wear OS Update"/>
-| {{SVK}} || {{na}} || {{ya}} || {{na}}
-|-
-|June 26, 2018<ref>{{Cite news|url=https://www.googlewatchblog.de/2018/06/google-pay-deutschland-android/|title=Google Pay in Deutschland: Android-App ist verfügbar, deutsche Webseite Online & diese Banken sind dabei|date=June 26, 2018|access-date=June 25, 2018|archive-url=https://web.archive.org/web/20180626070030/https://www.googlewatchblog.de/2018/06/google-pay-deutschland-android/|archive-date=June 26, 2018|url-status=live|publisher=GoogleWatchBlog|language=de}}</ref><ref>{{Cite web|url=https://www.androidpolice.com/2018/06/26/google-pay-lands-in-germany-with-support-for-4-local-banks/|title=Google Pay lands in Germany with support for 4 local banks|author=Killian Bell|access-date=June 26, 2018|date=June 26, 2018|publisher=androidpolice.com|language=en}}</ref>
-| {{GER}} || {{na}} || {{ya}} || {{na}}
-|-
-|July 31, 2018<ref>{{Cite web|url=https://support.google.com/pay/answer/7644711|title=Croatia: Supported payment methods - Google Pay Help|website=support.google.com}}</ref><ref>{{Cite web|url=https://pcchip.hr/ostalo/poslovne-vijesti/od-danas-google-pay-dostupan-i-u-hrvatskoj/|title=PC Chip|website=pcchip.hr|language=hr|access-date=August 1, 2018}}</ref><ref>{{Cite web|url=https://www.androidpolice.com/2018/08/01/google-pay-now-available-croatia/|title=Google Pay is now available in Croatia|author=Taylor Kerns|access-date=August 1, 2018|date=August 1, 2018|publisher=androidpolice.com|language=en}}</ref><ref name="2021 Wear OS Update"/>
-| {{CRO}} || {{na}} || {{ya}} || {{na}}
-|-
-|style="background:#fef6e7;"|August 28, 2018<ref name="tez-is-now-pay">{{cite web |author=Caesar Sengupta GM |date=August 28, 2018 |title=Google Pay — the next step in the Tez journey |url=https://india.googleblog.com/2018/08/google-pay-next-step-in-tez-journey.html |website=Google India Blog}}</ref>
-|style="background:#fef6e7;"| {{IND}}{{efn|name=inpay|[[Unified Payments Interface|UPI]] based,<ref name="tez-is-now-pay"/> previously known as [[Tez (software)|Tez]] release date August 17, 2017.<ref name="Tez release">{{cite web|url=http://gadgets.ndtv.com/apps/news/google-tez-upi-digital-payments-app-india-launch-features-download-android-ios-1751566|title=Google Tez UPI-Based Digital Payments App Launched in India|last=Singh|first=Manish|date=September 18, 2017|work=Gadgets 360|publisher=NDTV|access-date=September 26, 2017|url-status=live|archive-url=https://web.archive.org/web/20170926191015/http://gadgets.ndtv.com/apps/news/google-tez-upi-digital-payments-app-india-launch-features-download-android-ios-1751566|archive-date=September 26, 2017}}</ref>}} || {{ya}} || {{na}} || {{ya}}
-|-
-|September 19, 2018<ref>{{Cite web|url=https://support.google.com/pay/answer/9093458|title=Italy: Supported payment methods - Google Pay Help|website=support.google.com}}</ref><ref>{{Cite web|url=https://www.dday.it/redazione/28002/google-pay-oggi-in-italia-come-funziona-e-con-che-banche|title=Google Pay oggi in Italia. Come funziona e con che banche|trans-title=Google Pay today in Italy. How it works and with what banks
-|website=www.dday.it|language=it|access-date=September 19, 2018}}</ref><ref>{{Cite web|url=https://www.ilpost.it/2018/09/19/google-pay-android/|title=Google Pay è arrivato in Italia|trans-title=Google Pay has arrived in Italy|access-date=September 19, 2018|date=September 19, 2018|publisher=ilpost.it|language=it}}</ref><ref>{{Cite web|url=https://www.androidpolice.com/2018/09/19/google-pay-arrives-italy-supports-7-banks/|title=Google Pay arrives in Italy, supports 7 banks|author=Jordan Palmer|access-date=September 19, 2018|date=September 19, 2018|publisher=androidpolice.com|language=en}}</ref>
-| {{ITA}} || {{na}} || {{ya}} || {{na}}
-|-
-|rowspan=4|October 30, 2018<ref name="Nordic countries">{{Cite news|date=2018-10-30|title=Google Pay launches in Denmark, Finland, Norway, and Sweden|language=en-US|work=Android Police|url=https://www.androidpolice.com/2018/10/30/google-pay-launches-denmark-finland-norway-sweden/|access-date=2018-11-01}}</ref><ref name="2021 Wear OS Update"/>
-| {{DEN}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{FIN}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{NOR}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{SWE}} || {{na}} || {{ya}} || {{na}}
-|-
-|November 14, 2018<ref>{{cite web|url=https://www.arabianbusiness.com/banking-finance/408118-google-pay-now-available-in-uae|url-status=dead|archive-url=https://web.archive.org/web/20181114130717/https://www.arabianbusiness.com/banking-finance/408118-google-pay-now-available-in-uae|archive-date=2018-11-14|title=Google Pay now available in UAE - ArabianBusiness.com}}</ref><ref name="2021 Wear OS Update"/>
-| {{UAE}} || {{na}} || {{ya}} || {{na}}
-|-
-|November 27, 2018<ref>{{Cite news|url=https://www.androidpolice.com/2018/11/28/google-pay-has-launched-in-chile-with-cmr-falabella/|title=Google Pay has launched in Chile with CMR Falabella|date=2018-11-28|work=Android Police|access-date=2018-11-30|language=en-US}}</ref><ref name="2021 Wear OS Update"/>
-| {{CHL}} || {{na}} || {{ya}} || {{na}}
-|-
-|December 11, 2018<ref>{{Cite web|url=https://9to5google.com/2018/12/10/google-pay-france/|title=Google Pay is now available in France, w/ initial support from 6 banks and card companies|last=Bradshaw|first=Kyle|date=2018-12-10|website=9to5Google|language=en-US|access-date=2018-12-11}}</ref>
-| {{FRA}} || {{na}} || {{ya}} || {{na}}
-|-
-|April 30, 2019<ref name=":0">{{Cite news|url=https://techgarage.blog/en/google-pay-now-available-in-switzerland-heres-how-it-works/|title=Google Pay now available in Switzerland – Here's how it works|last=Kyburz|first=Kevin|date=April 30, 2019|work=Techgarage|access-date=April 30, 2019|url-status=dead|language=en|archive-date=April 30, 2019|archive-url=https://web.archive.org/web/20190430102409/https://techgarage.blog/en/google-pay-now-available-in-switzerland-heres-how-it-works/}}</ref><ref>{{Cite web|url=https://www.androidpolice.com/2019/04/30/google-pay-rolls-out-in-switzerland-with-support-for-cornercard-swiss-bankers-and-more/|title=Google Pay rolls out in Switzerland with support for Cornèrcard, Swiss Bankers, and more|author=Manuel Vonau|access-date=2019-04-30|date=2019-04-30|publisher=androidpolice.com|language=en}}</ref>
-| {{CHE}} || {{na}} || {{ya}} || {{na}}
-|-
-|rowspan=10|November 17, 2020<ref name="Seven new EU countries">{{Cite news|date=2020-11-17|title=Google Pay is now available in even more countries !|language=en|work=N26 Blog|url=https://n26.com/en-eu/blog/google-pay-launch-seven-more-countries|access-date=2020-11-17}}</ref><ref name="Google Pay Bulgaria">{{Cite news|date=2020-11-17|title=Google Pay Bulgaria banks|language=en|url=https://support.google.com/pay/answer/10173489|access-date=2020-11-17}}</ref><ref name="Google Pay Hungary">{{Cite news|date=2020-11-17|title=Google Pay Hungary banks|language=en|url=https://support.google.com/pay/answer/10173694|access-date=2020-11-17}}</ref><ref name="Google Pay Romania">{{Cite news|date=2020-11-17|title=Mastercard enables Google Pay rollout across Europe|language=en|work=N26 Blog|url=https://newsroom.mastercard.com/eu/press-releases/mastercard-enables-google-pay-rollout-across-europe/|access-date=2020-11-17}}</ref>
-| {{AUT}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{BUL}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{EST}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{GRE}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{HUN}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{LAT}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{LIT}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{NLD}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{POR}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{ROM}} || {{na}} || {{ya}} || {{na}}
-|-
-|rowspan=2|December 7, 2021<ref>{{Cite news|date=2020-12-07|title=Google Pay пришёл в Казахстан|language=ru|url=https://forbes.kz/finances/finance/google_pay_prishel_v_kazahstan/|access-date=2021-12-07}}</ref>
-| {{ISR}} || {{na}} || {{ya}} || {{na}}
-|-
-| {{KAZ}} || {{na}} || {{ya}} || {{na}}
-|}
-Those on light yellow background: originally released as Android Pay.
-=== Supported networks ===
-*[[Visa Inc.|Visa]] / [[Visa Debit]] / [[Visa Electron|Visa electron]]
-*[[Mastercard]] / [[Debit Mastercard]]
-*[[American Express]]
-*[[Discover Card|Discover]]
-*[[Diners Club]]
-*[[JCB Co., Ltd.|JCB]]
-*[[Maestro (debit card)|Maestro]]
-*[[PayPal]] in the US, Germany
-*[[EFTPOS]] in Australia
-*[[Interac]] in Canada
-*[[Nanaco]] stored-value card in Japan{{efn|name=jppay|}}
-*[[Edy]] stored-value card in Japan{{efn|name=jppay|}}
-*[[Suica]] stored-value card in Japan{{efn|name=jppay|}}
-*[[Waon]] stored-value card in Japan{{efn|name=jppay|}}
-*[[:ja:ID (クレジット決済サービス)|iD]] in Japan{{efn|name=jppay|}}
-*[[:ja:ID (クレジット決済サービス)|QUICPay]] in Japan{{efn|name=jppay|}}
-*[[Unified Payments Interface]] in India<ref>{{cite web |last1=SN |first1=Vikas |title=Google may rename Tez as Pay & bring UPI to store |url=https://economictimes.indiatimes.com/small-biz/startups/newsbuzz/google-may-rename-tez-as-pay-bring-upi-to-store/articleshow/65509457.cms |website=The Economic Times |access-date=August 30, 2018 |date=August 23, 2018}}</ref>
-* PayNow in Singapore<ref>{{cite web |title=Link a PayNow account (Singapore only) |url=https://support.google.com/googlepay/answer/11445137 |website=Google Support |access-date=May 25, 2022}}</ref>
 ==See also==

v t e Mobile payment software
Active	2C2P Adyen Alipay Amazon Pay Apple Cash Apple Pay Atom Technologies Bancomat Pay bKash Blik Boku Carta Worldwide Cash App CDS Global Circle Easypaisa EnStream Ensygnia EServGlobal Fitbit Pay FreeCharge Garmin Pay GCash Google Pay Google Pay app Google Wallet Gopay iDEAL Interac e-Transfer JazzCash Jumio KakaoPay Line Pay Maya Mercado Pago Mir Pay MobiKwik Mobile Suica MobilePay Mopay M-Pesa Nagad NPCI IMPS UPI BHIM Naver Pay NEFT Orange Money Osaifu-Keitai Oxigen Services PayAnywhere PayMate PayMe Paytm PayPal Braintree iZettle Paydiant Venmo Pix PayNow PayPay Payworld PhonePe Qiwi Revolut Samsung Pay Samsung Wallet Spice Digital Swish Touch 'n Go eWallet TWINT UnionPay app Vipps Wave Money WeChat Pay Wizzit YooMoney Zelle
Defunct	AirTag Bell ID CurrentC Fortumo Google Wallet (2011-2018) Kuapay Lemon Wallet LG Pay Microsoft Pay Paym Pingit Simpay Softcard Tagpay Tez vcash Zapp Znap
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