View source for Software:Google Pay

{{short description|Mobile payments platform developed by Google}}
{{pp-semi-indef|small=yes}}
{{Infobox software
| name = Google Pay
| logo = Google Pay Logo (2020).svg
| screenshot = The_new_Google_Pay_(2020).png
| bodystyle = width:300px
| caption = Pay tab of the new Google Pay application
| developer = [[Company:Google|Google]]
| released = {{start date and age|2011|05|26}} (as Google Wallet)<br />
{{start date and age|2015|09|11}} (as Android Pay)<br />{{start date and age|2018|01|08}} (as Google Pay)
| ver layout = stacked
| operating system = [[Software:Android Lollipop|Android Lollipop]] 5.0 or later<br />[[Software:IOS 11|iOS 11]] or later (US and India only)
| genre = [[Finance:Digital wallet|Digital wallet]]
| license = [[Proprietary software|Proprietary]]
| website = {{URL|https://pay.google.com/about/|pay.google.com}}
}}
'''Google Pay''' (stylized as '''G Pay'''; formerly '''Android Pay''') is a [[Finance:Digital wallet|digital wallet]] platform and [[Finance:E-commerce payment system|online payment]] system developed by [[Company:Google|Google]] to power in-app, online, and in-person [[Finance:Contactless payment|contactless purchase]]s on mobile devices, enabling users to make payments with [[Software:Android (operating system)|Android]] phones, tablets, or [[Engineering:Smartwatch|watches]]. Users in the {{wipe|United States}} and {{wipe|India}} can also use an iOS device, albeit with limited functionality. In addition to this, the service also supports passes such as coupons, boarding passes, campus ID cards, car keys, event tickets, movie tickets, public transportation tickets, store cards, health records, and loyalty cards.

{{As of|2021}}, it is currently available in 42 countries.<ref>{{cite web|url=https://support.google.com/pay/answer/7454247|title=Find supported payment methods for contactless purchases - Android|work=Google Pay Help|access-date=June 11, 2020|url-status=live|archive-url=https://web.archive.org/web/20200611075451/https://support.google.com/pay/answer/7454247|archive-date=June 11, 2020}}</ref> In 2022, a companion app named [[Software:Google Wallet|Google Wallet]] was announced.

== Service ==
Google Pay uses [[Near-field communication|near-field communication]] (NFC) to transmit card information facilitating funds transfer to the retailer. It replaces the [[Finance:Credit card|credit]] or [[Debit card|debit]] card [[Finance:Chip and PIN|chip and PIN]] or [[Physics:Magnetic stripe card|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|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.<ref name="TheVerge-androidpay" />

Google Pay requires that a screen lock be set on the phone.<ref>{{cite web|url=https://support.google.com/pay/answer/6224811?hl=en|title=Set up Google Pay|url-status=live|archive-url=https://web.archive.org/web/20180604223014/https://support.google.com/pay/answer/6224811?hl=en|archive-date=June 4, 2018}}</ref> It has no card limit.<ref>{{cite web |title=Google Pay |agency=HSBC UK |url=https://www.hsbc.co.uk/1/2/google-pay |work=[[Company:HSBC|HSBC]] |access-date=June 4, 2018 |quote=There is no limit to the number of cards you can add to your device. |url-status=dead |archive-url=https://web.archive.org/web/20180604223015/https://www.hsbc.co.uk/1/2/google-pay |archive-date=June 4, 2018 }}</ref><ref>{{cite web |title=Android Pay Frequently Asked Questions |url=https://www.co-opfs.org/media/313872/androidpay_b2c_faq.pdf |work=[[Company:CO-OP Financial Services|CO-OP Financial Services]] |access-date=June 4, 2018 |quote=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. |url-status=live |archive-url=https://web.archive.org/web/20180604223015/https://www.co-opfs.org/media/313872/androidpay_b2c_faq.pdf |archive-date=June 4, 2018 }}</ref><ref>{{cite web |title=Google Pay Frequently Asked Questions - |url=https://www.institutionforsavings.com/774.htm#4 |work=Institution for Savings |access-date=June 4, 2018 |language=en |quote=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. |url-status=live |archive-url=https://web.archive.org/web/20170606183152/https://www.institutionforsavings.com/774.htm#4 |archive-date=June 6, 2017 }}</ref>

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 [[Point of sale|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.<ref name="fingerp15">{{cite web|url=https://www.youtube.com/watch?v=VOn7VrTRlA4&t=2m59s|title=Fingerprint and payments APIs (100 Days of Google Dev)|publisher=Google Developers|year=2015|access-date=December 2, 2016|via=YouTube|url-status=live|archive-url=https://web.archive.org/web/20160826195248/https://www.youtube.com/watch?v=VOn7VrTRlA4|archive-date=August 26, 2016}}</ref> 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.<ref name="TheVerge-androidpay2">{{cite web|url=https://www.theverge.com/2015/5/28/8661867/google-introduces-android-pay-replace-wallet-app|title=Google introduces Android Pay, a replacement for its wallet app on mobile|website=The Verge|date=May 28, 2015|access-date=May 28, 2015|url-status=live|archive-url=https://web.archive.org/web/20150528200923/http://www.theverge.com/2015/5/28/8661867/google-introduces-android-pay-replace-wallet-app|archive-date=May 28, 2015}}</ref>

===Technology===
Google Pay uses the EMV Payment Tokenisation Specification.<ref name="emvpaytok">{{cite web | title =  Payment Tokenisation | url = http://www.emvco.com/specifications.aspx?id=263 | publisher = EMVco | date = 2014-03-01 |df= mdy-all}}</ref>

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 [[Software:Find My Device|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&nbsp;OS users authenticate by opening the app prior to payment.<ref>{{cite web |url=https://support.google.com/wearos/answer/7643998 |title=Pay with your smartwatch |website=Google Pay Help |publisher=Google Inc. |access-date=8 July 2020}}</ref> To pay in supported Android apps, users choose Google Pay as their payment method and authenticate with biometrics, a pattern, or a passcode. Users can add payment cards to the service in any of four ways: through the payment card listed on their Google accounts, by taking a photo of the card, being provisioned from within the card issuer's app, or by entering the card information manually.

===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 C$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>

== 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 [[Software:Google Wallet|Google Wallet]] which was released in 2011.<ref name="WalletYT2011">{{cite web| year= 2011| title= Google Wallet Product Launch| first= Stephanie| last= Tilenius| url= https://www.youtube.com/watch?v=am8t6iZ7up0| via= YouTube| access-date= December 2, 2016| url-status= live| archive-url= https://web.archive.org/web/20170504170457/https://www.youtube.com/watch?v=am8t6iZ7up0| archive-date= May 4, 2017}}</ref> It also used technology from the carrier-backed [[Company:Softcard|Softcard]]—Google had acquired its intellectual property in February 2015.<ref name="TheVerge-androidpay">{{cite web|title=Google introduces Android Pay, a replacement for its wallet app on mobile|url=https://www.theverge.com/2015/5/28/8661867/google-introduces-android-pay-replace-wallet-app|website=The Verge|date=May 28, 2015|access-date=May 28, 2015|url-status=live|archive-url=https://web.archive.org/web/20150528200923/http://www.theverge.com/2015/5/28/8661867/google-introduces-android-pay-replace-wallet-app|archive-date=May 28, 2015}}</ref><ref name="TheVerge-Softshut">{{cite web|title=Softcard is shutting down on March 31st, and Google Wallet will replace it|url=https://www.theverge.com/2015/3/5/8152801/softcard-shutting-down-march-31|website=The Verge|first=Chris|last=Welch|date=March 5, 2015|access-date=March 5, 2015|url-status=live|archive-url=https://web.archive.org/web/20160404212736/http://www.theverge.com/2015/3/5/8152801/softcard-shutting-down-march-31|archive-date=April 4, 2016}}</ref> At launch, the service was compatible with 70% of Android devices and was accepted at over 700,000 merchants.<ref name="TheVerge-androidpay"/> Google Wallet still powered web-based Play Store purchases and some app-based peer-to-peer payments, for instance, in Gmail.<ref name="TheVerge-androidpay"/>
[[File:Android Pay logo.svg|thumb|136x136px|The logo of the former branding of the service, ''Android Pay'']]

In 2016, Google began a public trial in Silicon Valley of a related [[Mobile app|mobile app]] called Hands Free. In this system, the customer does not need to present a phone or card. Instead, a customer announces that 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 that it is near a participating store.<ref>{{cite web |url=https://techcrunch.com/2016/03/02/google-experiments-with-a-way-to-pay-without-taking-out-your-phone/ |title=Google experiments with a way to pay without taking out your phone |first=Matthew |last=Lynley |date=March 2, 2016 |work=TechCrunch.com |publisher=AOL |url-status=live |archive-url=https://web.archive.org/web/20170619070802/https://techcrunch.com/2016/03/02/google-experiments-with-a-way-to-pay-without-taking-out-your-phone/ |archive-date=June 19, 2017}}</ref><ref>{{cite web |url=http://googlecommerce.blogspot.com/2016/03/testing-testing-one-two-hands-free.html |title=Testing, Testing – One, Two, Hands Free |work=Google Commerce |date=March 2, 2016 |first=Pali |last=Bhat |access-date=December 2, 2016 |url-status=live |archive-url=https://web.archive.org/web/20160509021828/http://googlecommerce.blogspot.com/2016/03/testing-testing-one-two-hands-free.html |archive-date=May 9, 2016}}</ref>

On September 18, 2017, Google launched a payments app in India known as [[Software:Tez|Tez]], utilizing the [[Unified Payments Interface]] (UPI).<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> On August 28, 2018, Google rebranded Tez to Google Pay.<ref name="tez-is-now-pay">{{cite web|url=https://india.googleblog.com/2018/08/google-pay-next-step-in-tez-journey.html|title=Google Pay — the next step in the Tez journey|date=August 28, 2018|author=Caesar Sengupta GM|website=Google India Blog}}</ref>

===Android Pay and Google Wallet become Google Pay===
[[File:Google Pay Acceptance Mark (2018-2020).svg|thumb|Google Pay acceptance mark]]
On January 8, 2018, Google announced that [[Software:Google Wallet|Google Wallet]] would be merged into Android Pay, with the service as a whole rebranded as Google Pay.<ref name="Nieva">{{Cite news|url=https://www.cnet.com/news/google-launches-google-pay-mobile-payment-service/|title=Google merges payment platforms under Google Pay brand|last1=Nieva|first1=Richard|date=January 8, 2018|work=CNET|access-date=January 8, 2018|publisher=CBS Interactive|last2=Bennett|first2=Brian|url-status=live|archive-url=https://web.archive.org/web/20180108185621/https://www.cnet.com/news/google-launches-google-pay-mobile-payment-service/|archive-date=January 8, 2018}}</ref><ref>{{Cite news|url=https://blog.google/topics/shopping-payments/say-hello-to-google-pay/|title=Say hello to a better way to pay, by Google|date=February 20, 2018|work=Google|access-date=February 20, 2018|language=en|url-status=live|archive-url=https://web.archive.org/web/20180220171126/https://www.blog.google/topics/shopping-payments/say-hello-to-google-pay/|archive-date=February 20, 2018}}</ref> This merger extends the platform into web-based payments integrated into other Google and third-party services. It also took over the branding of [[Software:Google Chrome|Google Chrome]]'s [[Software:Autofill|autofill]] feature.<ref>{{Cite news |url= https://www.pcworld.com/article/3246290/android/google-pay.html |title= Google is combining Android Pay and Google Wallet under one brand: Google Pay |last=Simon |first= Michael |date=January 8, 2018 |work=PCWorld |access-date= January 8, 2018 |publisher= International Data Group |url-status=live |archive-url= https://web.archive.org/web/20180604223015/https://www.pcworld.com/article/3246290/android/google-pay.html|archive-date= June 4, 2018 }}</ref> Google Pay adopts the features of both Android Pay and Google Wallet through its in-store, peer-to-peer, and online payments services.<ref>{{Cite news|url=https://arstechnica.com/gadgets/2018/01/google-rebrands-all-its-payment-solutions-as-google-pay/|title=Google rebrands all its payment solutions as "Google Pay"|last=Amadeo|first=Ron|date=January 8, 2018|work=[[Ars Technica]]|access-date=January 8, 2018|publisher=Condé Nast|url-status=live|archive-url=https://web.archive.org/web/20180108181110/https://arstechnica.com/gadgets/2018/01/google-rebrands-all-its-payment-solutions-as-google-pay/|archive-date=January 8, 2018}}</ref><ref name="Nieva"/>

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 that support Google Pay.<ref>{{Cite news|url=https://techcrunch.com/2018/02/20/say-goodbye-to-android-pay-and-hello-to-google-pay/|title=Say goodbye to Android Pay and hello to Google Pay|last=Lardinois|first=Frederic|work=TechCrunch|access-date=February 20, 2018|language=en|url-status=live|archive-url=https://web.archive.org/web/20180220161947/https://techcrunch.com/2018/02/20/say-goodbye-to-android-pay-and-hello-to-google-pay/|archive-date=February 20, 2018}}</ref><ref>{{Cite news|url=https://www.theverge.com/2018/1/8/16863220/google-pay-consolidation-android-chrome-online-app-payments-announced|title=Google is combining Android Pay and Google Wallet into one service called Google Pay|work=The Verge|access-date=February 20, 2018|url-status=live|archive-url=https://web.archive.org/web/20180221100053/https://www.theverge.com/2018/1/8/16863220/google-pay-consolidation-android-chrome-online-app-payments-announced|archive-date=February 21, 2018}}</ref><ref>{{Cite web|url=https://www.pymnts.com/google/2018/google-pay-mobile-wallet-pali-bhat/|title=Google Pay Debuts New Mobile Payment App {{!}} PYMNTS.com|website=www.pymnts.com|language=en-US|access-date=February 20, 2018|url-status=dead|archive-url=https://web.archive.org/web/20180220141959/https://www.pymnts.com/google/2018/google-pay-mobile-wallet-pali-bhat/|archive-date=February 20, 2018}}</ref> The rebranded service provided a new [[Application programming interface|API]] that allows merchants to add the payment service to websites, apps, [[Company:Stripe|Stripe]], [[Company:Braintree|Braintree]], and [[Software:Google Assistant|Google Assistant]].<ref>{{Cite news|url=https://techcrunch.com/2017/05/17/google-will-now-let-users-pay-with-any-card-they-have-on-file-not-just-those-saved-in-android-pay/|title=Google will now let users pay with any card they have on file, not just those saved in Android Pay|last=Perez|first=Sarah|date=May 17, 2017|work=TechCrunch|access-date=December 24, 2017|url-status=live|archive-url=https://web.archive.org/web/20171225092307/https://techcrunch.com/2017/05/17/google-will-now-let-users-pay-with-any-card-they-have-on-file-not-just-those-saved-in-android-pay/|archive-date=December 25, 2017}}</ref> The service allows users to use the payment cards they have on file in their Google Account.<ref>{{Cite news |url=https://9to5google.com/2017/10/23/pay-with-google-online-payments/ |title='Pay with Google' makes it easy to pay online with any card tied to your Google account |last=Schoon |first=Ben |date=October 23, 2017 |work=9to5Google |access-date=December 24, 2017 |url-status=live |archive-url=https://web.archive.org/web/20171225203129/https://9to5google.com/2017/10/23/pay-with-google-online-payments/ |archive-date=December 25, 2017}}</ref>

===International deployment===
Upon its UK launch,{{when|date=November 2021}} Android Pay supported [[Company:Mastercard|Mastercard]], [[Company:Visa Inc.|Visa]], and debit cards from many of the UK's major financial institutions{{snd}} including Bank of Scotland, First Direct, Halifax, HSBC, Lloyds Bank, M&S Bank, MBNA and Nationwide Building Society{{snd}} "with new banks being added all the time", according to Google. Natwest, RBS and Ulster Bank launched on September 14, 2016. On September 8, 2016 it was reported that UK banks TSB and Santander would be participating in the following weeks.<ref>{{Cite web|url=https://www.insightportal.io/news/all-news/android-pay-now-available-in-google-chrome-more-banks-supported|title=Android Pay now available in Google Chrome, more Banks supported|last=Sebastian|first=Sebastian|date=September 8, 2016|website=insightportal.io|access-date=June 19, 2018}}</ref> Android Pay was launched in Singapore on June 28, 2016<ref>{{cite web|url= https://plus.google.com/+android/posts/ABAkTx7XpaJ|author= Android|date= June 27, 2016|title= #AndroidPay is now available in Singapore. Download from +Google Play, add your card and tap to pay at thousands of stores islandwide.|url-status= live|archive-url= https://web.archive.org/web/20161021114410/https://plus.google.com/+android/posts/ABAkTx7XpaJ|archive-date= October 21, 2016}}</ref> and in Australia on July 14, 2016.<ref>{{cite web| url= http://officialandroid.blogspot.co.uk/2016/05/android-pay-now-in-uk-new-countries-on.html| title= Android Pay now in the UK, new countries on the way| work= Android Official Blog| location= UK| date= May 18, 2016| first= Pali| last= Bhat| access-date= December 2, 2016| url-status= live| archive-url= https://web.archive.org/web/20160521042725/http://officialandroid.blogspot.co.uk/2016/05/android-pay-now-in-uk-new-countries-on.html| archive-date= May 21, 2016}}</ref><ref>{{cite web| url= http://www.androidpolice.com/2015/12/16/900-dollarydoos-android-pay-is-coming-to-australia-in-2016/| title= [900 Dollarydoos] Android Pay Is Coming To Australia In 2016| work= Android Police| first= Rita| last= El Khoury| date= December 16, 2015| url-status= live| archive-url= https://web.archive.org/web/20151219011007/http://www.androidpolice.com/2015/12/16/900-dollarydoos-android-pay-is-coming-to-australia-in-2016/| archive-date= December 19, 2015}}</ref>

Android Pay launched in the Republic of Ireland on December 7, 2016 and was initially available to customers of AIB and KBC, having since been extended to [[Company:Bank of Ireland|Bank of Ireland]] and Ulster Bank. The service works with both credit and debit cards.<ref>{{cite web|url=http://www.checkout.ie/google-launches-smartphone-payment-system-ireland/35973|title=Google Launches Smartphone Payment System In Ireland|first=Donncha Mac|last=Cóil|website=Checkout Magazine|date=December 7, 2016|access-date=December 30, 2016|url-status=live|archive-url=https://web.archive.org/web/20171107060252/https://www.checkout.ie/google-launches-smartphone-payment-system-ireland/35973|archive-date=November 7, 2017}}</ref>

On December 21, 2018, Google Payment obtained an e-money license in Lithuania{{snd}} the license will enable Google to process payments, issue e-money, and handle electronic money wallets in the EU.<ref>{{cite web |title=Google Payment Expands With E-Money License From Lithuania |url=https://www.bloomberg.com/news/articles/2018-12-21/google-payment-expands-with-e-money-license-from-lithuania |website=bloomberg.com |access-date=9 January 2019 |quote=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.}}</ref><ref>{{cite web |title=Google granted an electronic money institution licence in Lithuania |url=https://www.lb.lt/en/news/google-granted-an-electronic-money-institution-licence-in-lithuania |website=lb.lt |access-date=9 January 2019 |quote=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. |archive-url=https://web.archive.org/web/20190110013729/https://www.lb.lt/en/news/google-granted-an-electronic-money-institution-licence-in-lithuania |archive-date=January 10, 2019 |url-status=dead }}</ref>

On November 17, 2020, Google Pay was enabled by Mastercard in ten new European countries: Austria, Bulgaria, Estonia, Greece, Hungary, Latvia, Lithuania, Netherlands, Portugal, and Romania.<ref>{{Cite web|title=Mastercard enables Google Pay rollout across Europe|url=https://newsroom.mastercard.com/eu/press-releases/mastercard-enables-google-pay-rollout-across-europe/|access-date=2020-11-23|website=MasterCard Social Newsroom|language=en-US}}</ref> Cardholders of participating Mastercard partner banks for these countries will be able to use the Google Pay service through their respective mobile banking apps. The Google Pay app won't be available for download, as stated by Google in Google Pay Help page.<ref>{{Cite web |url=https://support.google.com/pay/answer/10173487 |title=Use Google Pay}}</ref>

On May 18, 2021, Google announced that it would expand Google Pay for Wear OS to be available in 26 more countries that Google Pay for Android had previously had exclusivity in.<ref>{{Cite web|date=2021-05-18|title=What's new for Wear|url=https://blog.google/products/wear-os/wear-io21/|access-date=2021-05-18|website=Google|language=en-us}}</ref>

On June 30, 2022, it was announced at the Google for Mexico event that Google Pay & the Google Wallet app would soon be available in Mexico.<ref>{{Cite web |title=Google México on Twitter |url=https://twitter.com/googlemexico/status/1542532186104004608?t=Uq6O0l55KnpvjtIQyp_bJw |url-status=live |website=Twitter}}</ref>

=== 2020 companion app ===
On November 18, 2020, Google launched a companion app known as "GPay" in the United States. It functions as an expansion of the Singaporean and Indian versions of the app, which were based on [[Software:Tez|Tez]]. The companion app is different from the core Google Wallet app in that it contains messaging capabilities, an "Explore" tab for viewing and redeeming personalized offers (including discounts and [[Finance:Cashback reward program|cashback rewards]]) and searching Google Shopping by barcode, "Get gas" and "Order food" buttons that can integrate with participating filling stations and restaurants, the ability to integrate with banks to track financial status from the new "Insights" tab. Users can search their transaction history, and can scan receipts with [[Optical character recognition|OCR]] using their device's camera, or through Gmail messages and [[Software:Google Photos|Google Photos]], to add them to their records. Google is also introducing a platform known as "Plex", which will allow online banks to offer checking and savings accounts directly through the app.<ref>{{Cite web|last=Bohn|first=Dieter|date=2020-11-18|title=Google Pay's massive relaunch makes it an all-encompassing money app|url=https://www.theverge.com/2020/11/18/21571806/google-pay-relaunch-money-payments-finances-deals-offers-banking-plex|access-date=2021-03-09|website=The Verge|language=en}}</ref> The GPay companion app uses phone numbers for authentication rather than Google accounts, and contacts cannot be imported from the previous app. Google abandoned its plans for Plex in September 2021.<ref>{{cite web |last1=Rudegeair |first1=Peter |last2=Benoit |first2=David |last3=Ackerman |first3=Andrew |title=Google Is Scrapping Its Plan to Offer Bank Accounts to Users |url=https://www.wsj.com/articles/google-is-scrapping-its-plan-to-offer-bank-accounts-to-users-11633104001 |website={{wipe|The Wall Street Journal}} |access-date=October 1, 2021 |archive-url=https://web.archive.org/web/20211001160918/https://www.wsj.com/articles/google-is-scrapping-its-plan-to-offer-bank-accounts-to-users-11633104001 |archive-date=October 1, 2021 |date=October 1, 2021 |url-status=live |url-access=subscription}}</ref>

The new version of GPay replaced the Tez app on the Play Store, with the existing Google Pay app deprecated and discontinued in the United States and peer-to-peer payment functionality removed from the existing app and website on April 5, 2021.<ref name=":1">{{Cite web |last=Amadeo |first=Ron |date=2021-03-07 |title=The new Google Pay repeats all the same mistakes of Google Allo |url=https://arstechnica.com/gadgets/2021/03/the-new-google-pay-repeats-all-the-same-mistakes-of-google-allo/ |access-date=2021-03-09 |website=Ars Technica |language=en-us}}</ref> However, the 2018 Google Pay app continued to co-exist as a separate, pre-installed app on Android smartphones.<ref>{{Cite web |last=Romero |first=Andrew |date=March 11, 2022 |title=The difference between GPay and Google Pay – Which one should you use? |url=https://9to5google.com/2022/03/11/the-difference-between-gpay-and-google-pay-which-one-should-you-use/ |url-status=live |archive-url=https://web.archive.org/web/20220312225422/https://9to5google.com/2022/03/11/the-difference-between-gpay-and-google-pay-which-one-should-you-use/ |archive-date=March 12, 2022 |access-date=May 14, 2022 |website=9to5Google}}</ref> On May 11, 2022, Google announced the [[Software:Google Wallet|Google Wallet]] companion app during the 2022 Google I/O keynote,<ref>{{Cite web |last=Clark |first=Mitchell |date=May 11, 2022 |title=Google thinks the time is right to bring back Wallet |url=https://www.theverge.com/2022/5/11/23064568/google-wallet-payments-digital-cards-ids-transit-io |url-status=live |archive-url=https://web.archive.org/web/20220511183442/https://www.theverge.com/2022/5/11/23064568/google-wallet-payments-digital-cards-ids-transit-io |archive-date=May 11, 2022 |access-date=May 11, 2022 |website=[[The Verge]]}}</ref> which will replace the 2018 Google Pay app while co-existing with the 2020 GPay one.<ref>{{Cite web |last=Li |first=Abner |date=May 11, 2022 |title=Google Wallet wants to replace your physical wallet (and the old Google Pay app) |url=https://9to5google.com/2022/05/11/google-wallet-announcement/ |url-status=live |archive-url=https://web.archive.org/web/20220511183334/https://9to5google.com/2022/05/11/google-wallet-announcement/ |archive-date=May 11, 2022 |access-date=May 12, 2022 |website=9to5Google}}</ref>

==Ecosystem==
[[File:Save to Google Pay badge.svg|thumb|Save to Google Pay badge]]
Google Pay has a passes feature, which exists in a larger ecosystem. They are presented in the bottom half of the app and can be sorted manually. Developers must first be granted access to the Google Pay API for Passes before they can author such items.<ref>{{cite web |title=Google Pay for Passes |url=https://developers.google.com/pay/passes |publisher=Google Inc. |access-date=8 July 2020}}</ref>

In its simplest form, an interaction (or transaction) between a pass and a system is facilitated by a 1D or 2D code, although it requires the customer to initiate the activity. Passes can also contain nothing but plain text or an image.

More advanced passes would be ones that incorporate NFC technology to convey. Walgreens enabled this first with their Balance Rewards loyalty program in 2015; customers can add their card to Google Pay and be able to tap their phone to the terminal when prompted for their rewards card.<ref>{{cite web |title=Google Pay and Balance Rewards |url=https://www.walgreens.com/topic/promotion/google-pay.jsp |website=Walgreens |publisher=Walgreens |access-date=8 July 2020 |language=en}}</ref> Since then, more businesses have found uses for these types of passes, like with contactless ticketing at sports venues<ref>{{cite web|date=18 April 2019|title=Duke claims NCAA first with contactless ticketing trial|url=https://www.theticketingbusiness.com/2019/04/18/duke-claims-ncaa-first-contactless-ticketing-trial/|website=TheTicketingBusiness News}}</ref><ref>{{cite web |title=How to Use Digital Tickets - My A's |url=https://www.mlb.com/athletics/tickets/technology#google-pay-stadium-entry |publisher=My A's}}</ref> and Dave & Buster's Power Cards.<ref>{{cite web |title=Dave & Buster's FUN App - Google Play |url=https://play.google.com/store/apps/details?id=com.DB.playinstore&hl=en_US |website=Google Play |publisher=Dave & Buster's}}</ref>

In addition to retailer-specific passes, Google Pay also supports contactless student IDs that can be added through the Transact eAccounts and CBORD GET Mobile applications, as well as transit tickets and passes such as the Las Vegas Monorail and Portland Tri-Met's Hop Fastpass.<ref>{{cite web |title=Transact announces Mobile Credential for Google Pay on all Android phones |url=https://www.cr80news.com/news-item/transact-announces-mobile-credential-google-pay-android-phones/ |website=CR80News|date=January 7, 2020 }}</ref><ref>{{cite web |title=Google Pay with Las Vegas Monorail |url=https://www.lvmonorail.com/google-pay/ |website=Las Vegas Monorail}}</ref><ref>{{cite web |last1=Altstadt |first1=Roberta |title=Portland's Virtual Hop Fastpass™ transit card now available to all Google Pay users |url=https://news.trimet.org/2018/04/portlands-virtual-hop-fastpass-transit-card-now-available-to-all-google-pay-users/ |website=TriMet News |date=16 April 2018}}</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
![[Software:Flutter|Flutter]] version
![[Software:Wear OS|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 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"/>
|style="background:#fef6e7;"| {{IND}}{{efn|name=inpay|[[Unified Payments Interface|UPI]] based,<ref name="tez-is-now-pay"/> previously known as [[Software:Tez|Tez]] release date August 17, 2017.<ref name="Tez release"/>}} || {{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 ===
*[[Company:Visa Inc.|Visa]] / Visa Debit / Visa electron 
*[[Company:Mastercard|Mastercard]] / Debit Mastercard
*[[Company:American Express|American Express]] 
*[[Company:Discover Card|Discover]]
*Diners Club
*[[Company:JCB Co., Ltd.|JCB]]
*Maestro
*[[Company:PayPal|PayPal]] in the US, Germany
*[[EFTPOS]] in Australia
*[[Company:Interac|Interac]] in Canada
*Nanaco stored-value card in Japan{{efn|name=jppay|}}
*[[Finance:Edy|Edy]] stored-value card in Japan{{efn|name=jppay|}}
*Suica stored-value card in Japan{{efn|name=jppay|}}
*[[Finance:Waon|Waon]] stored-value card in Japan{{efn|name=jppay|}}
*iD in Japan{{efn|name=jppay|}}
*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>

=== Supported loyalty programs ===
These programs are conveyed through NFC through Google Pay's Smart Tap feature. Some of these can be added through the app, while others must be added through the respective retailer's app or website. Programs that support One Tap are conveyed at the same time as a payment card stored in Google Wallet. Conversely, Two Tap programs are redeemed in a sequential manner, where a loyalty pass is scanned first, and then payment can be presented.<ref>{{Cite web|title=About Smart Tap - Google Pay Merchant Help|url=https://support.google.com/pay/merchants/answer/7394145|access-date=2022-06-11|website=support.google.com}}</ref>

{| class="wikitable sortable"
!Country
!Retailer
!One Tap/Two Tap
|-
|rowspan=2| {{AUS}}
|Dan Murphy's My Dan's<ref>{{Cite web|title=How do I get and use a digital card?|url=https://www.danmurphys.com.au/help/help-centre/articles/4406386317199-How-do-I-get-and-use-a-digital-card|url-status=live|website=Dan Murphy's}}</ref>
|
|-
|Woolworths' [[Biology:Everyday Rewards|Everyday Rewards]]<ref>{{Cite web|title=Digital Wallet {{!}} Everyday Rewards|url=https://www.woolworthsrewards.com.au/digital-wallet-login.html}}</ref>
|Two Tap
|-
|rowspan=2| {{JPN}}
|d Point<ref>{{Cite web|title=Add your d-POINT card to Google Pay|url=https://dpoint.jp/guide/howto_dpoint/google_pay/index.html|website=d POINT}}</ref>
|Two Tap
|-
|Rakuten Point Card<ref>{{Cite web|title=Rakuten Point Card and Rakuten Edy Services Now Compatible with Android Pay|url=https://global.rakuten.com/corp/news/press/2016/1213_01.html|website=Rakuten Media Room}}</ref>
|Two Tap
|-
|rowspan=2| {{GBR}}
|Nando's Nando Card<ref>{{Cite web|title=About Nando's Card|url=https://www.nandos.co.uk/card/about|access-date=2020-08-06|website=www.nandos.co.uk|date=March 19, 2019}}</ref>
|Two Tap
|-
|Texaco's Star Rewards<ref>{{Cite web|title=Texaco - Apps on Google Play|url=https://play.google.com/store/apps/details?id=com.valero.texaco&hl=en_US&gl=US|access-date=2021-08-07|website=play.google.com|language=en}}</ref>
|Two Tap
|-
|rowspan=6| {{USA}}
|[[Company:The Coca-Cola Company|Coca-Cola's]] Vending Pass<ref>{{Cite web|title=Vending|url=https://us.coca-cola.com/home/|access-date=2020-07-20|website=Official Coca-Cola® US Website}}</ref>
|One Tap
|-
|Dave & Buster's Power Card<ref>{{Cite web|title=Dave and Busters FUN App - Apps on Google Play|url=https://play.google.com/store/apps/details?id=com.DB.playinstore&hl=en_US|access-date=2020-07-20|website=play.google.com|language=en}}</ref>
|One Tap
|-
|Jimmy John's Freaky Fast Rewards<ref>{{Cite web|title=Jimmy John's Sandwiches - Apps on Google Play|url=https://play.google.com/store/apps/details?id=com.jimmyjohns&hl=en_US|access-date=2020-07-20|website=play.google.com|language=en}}</ref>
|One Tap
|-
|Redbox's Redbox Perks<ref>{{Cite web|title=Redbox Introduces: Mobile Perks Pass - YouTube|url=https://www.youtube.com/watch?v=WAwGJlKiTYg&feature=youtu.be|access-date=2020-12-20|website=www.youtube.com}}</ref>
|Two Tap
|-
|Walgreens' myWalgreens<ref>{{Cite web|title=Google Pay and Balance Rewards|url=https://www.walgreens.com/topic/promotion/google-pay.jsp|access-date=2020-07-20|website=Walgreens|language=en}}</ref>
|Two Tap
|-
|Yogurtland's Real Rewards<ref>{{Cite web|title=Yogurtland - Apps on Google Play|url=https://play.google.com/store/apps/details?id=com.yogurtland.production&hl=en_US|access-date=2020-07-20|website=play.google.com|language=en}}</ref>
|One Tap
|}

=== Usage within [[Engineering:Public transport|public transport]] systems ===
Due to the open nature of the Android platform, some transit cards are only available through other Android-based mobile wallets or via their own apps (e.g. Octopus card for Samsung Pay or TAP for Android). Transit cards that support direct provisioning can be issued within the Google Pay app itself, without needing to download a separate third party application.<ref>{{Cite web|title=Smart Octopus in Samsung Pay|url=http://www.octopus.com.hk/en/consumer/mobile-payment/smart-octopus/about/index.html|access-date=2021-03-23|website=www.octopus.com.hk|language=en-hk}}</ref><ref>{{Cite web|title=TAP App|url=https://www.taptogo.net/articles/en_US/Website_content/TAP-App|access-date=2021-03-23|website=www.taptogo.net}}</ref>

{| class="wikitable sortable"
!Country
!Area
!Skip device unlock
!Direct provisioning
!Fare Payment Method(s)
|-
|rowspan=3| {{AUS}}
| {{flag|Queensland}} || ||
|Payment cards
|-
| {{flag|Sydney}} || {{ya}} ||
|Payment cards
|-
| {{flag|Victoria}} || {{ya}} || {{ya}}
|Myki
|-
|rowspan=2| {{BRA}}
| {{flagcountry|Rio de Janeiro (city)}} (only MetrôRio) || ||
|Payment cards
|-
| {{flagcountry|São Paulo (city)}} (only SPTrans) || ||
|Payment cards
|-
|rowspan=2| {{CAN}}
| {{flag|Toronto}} || ||
|Payment cards
|-
| {{flag|Vancouver}} || ||
|Payment cards
|-
| {{JPN}}
|''Countrywide'' || {{ya}} ||
|Suica{{efn|name=jppay}}
|-
|style="background:#cccccc;" rowspan=3| {{RUS}} (suspended){{efn|name=rupay}}
|style="background:#cccccc;"| {{flag|Moscow}}
|style="background:#cccccc;text-align:center;"| [[File:Yes check.svg|13px|link=|Yes]]
|style="background:#cccccc;"|
|style="background:#cccccc;"|[[Finance:Troika card|Troika]], payment cards<ref>{{Cite web|title=Присоединяйтесь к тестированию виртуальной карты "Тройка"|url=https://virtual-troika.mosmetro.ru/|access-date=2021-08-04|website=virtual-troika.mosmetro.ru}}</ref>
|-
|style="background:#cccccc;"| {{flag|Novosibirsk}}
|style="background:#cccccc;"|
|style="background:#cccccc;"|
|style="background:#cccccc;"|Payment cards
|-
|style="background:#cccccc;"| {{flag|Saint Petersburg}}
|style="background:#cccccc;"|
|style="background:#cccccc;"|
|style="background:#cccccc;"|Payment cards
|-
| {{SGP}}
|''Countrywide'' || ||
|Payment cards
|-
| {{SVK}}
|Upper Nitra, Lipto, and Orava<ref>{{Cite web|title=Ubian.sk|url=https://www.ubian.sk/spolupracujeme|access-date=2021-06-03|website=www.ubian.sk}}</ref>
| {{ya}} ||
|Ubian
|-
|rowspan=2| {{TWN}}
| {{flag|Kaohsiung}} || ||
|Payment cards
|-
|Taoyuan Airport MRT || ||
|Payment cards
|-
| {{UKR}}
| {{flag|Kyiv}} || ||
|Payment cards
|-
|rowspan=4| {{GBR}}
| {{flag|London}} || {{ya}} ||
|Payment cards
|-
| {{flag|Manchester}} || ||
|Payment cards
|-
| {{flag|Tyne and Wear}} || {{ya}} || {{ya}}
|Pop
|-
| {{flag|West Midlands}} || {{ya}} ||
|Swift
|-
|rowspan=7| {{USA}}
| {{flag|Chicago}} || {{ya}} ||
| Ventra, payment cards
|-
| {{flag|Las Vegas}} || {{ya}} ||
|Contactless ticket
|-
| {{flag|Miami}} || {{ya}} ||
|Payment cards
|-
| {{flag|New York City}} || {{ya}} ||
|Payment cards
|-
| {{flag|Portland, Oregon}} || {{ya}} ||
|Hop Fastpass, payment cards
|-
| {{flag|San Francisco}} || {{ya}} || {{ya}}
|Clipper
|-
| {{flag|Washington, D.C.}} || {{ya}} || {{ya}}
|SmarTrip
|}

=== Supported car keys ===
These car models can be unlocked and started via NFC with the [[Engineering:Pixel 6|Pixel 6]]. Future car models that support operation via UWB will require an [[Engineering:List of UWB-enabled mobile devices|UWB compatible device]], such as the Pixel 6 Pro.<ref>{{Cite web|title=BMW Digital Key now available for Android smartphones.|url=https://www.press.bmwgroup.com/global/article/detail/T0362094EN/bmw-digital-key-now-available-for-android-smartphones?language=en|access-date=2021-12-01|website=www.press.bmwgroup.com|language=en}}</ref><ref>{{Cite web|title=Get started with digital car key - Android Help|url=https://support.google.com/android/answer/11358930|access-date=2021-12-03|website=support.google.com}}</ref>


==Supported campus identifications==
{{main|Finance:List of campus identifications in mobile wallets}}

==See also==
* UPI
* [[Company:PayPal|PayPal]]
* [[Software:Apple Pay|Apple Pay]]
* [[Software:Apple Wallet|Apple Wallet]]
* [[Software:Microsoft Pay|Microsoft Pay]]
* [[Software:Samsung Pay|Samsung Pay]]
* [[Software:Samsung Wallet|Samsung Wallet]]
* [[Software:LG Pay|LG Pay]]
* Square Cash
* [[Software:WeChat Pay|WeChat Pay]]
* [[Software:Venmo|Venmo]]
* Blik

== References ==
{{notelist|refs=
{{efn|name=jppay|Devices must be [[Finance:Osaifu-Keitai|Osaifu-Keitai]] compatible.}}
}}
{{Reflist}}

== External links ==
* {{Official|https://pay.google.com}}

{{Google Inc.}}
{{Android}}
{{Mobile payments}}

[[Category:Android (operating system) software]]
[[Category:Google software|Pay]]
[[Category:Mobile payments]]
[[Category:Payment systems]]
[[Category:Online payments]]

{{Sourceattribution|Google Pay|1}}