Stay organized with collections
Save and categorize content based on your preferences.
Google Pay is the fast, simple way to pay in millions of places – online,
in stores, and more. It brings together everything you need at checkout and
keeps your payment information safe in your Google Account until you're ready to
pay. Google Pay also makes it easy to keep track of purchases, redeem
loyalty points, and get personalized suggestions to help you save time and
money.
Benefits
Device tokenization in Google Pay gives card issuing financial
institutions a prime opportunity to:
Showcase your brand: Cardholders see your card art every time they use
Google Pay.
Provide a secure payment option: Google Pay locks devices and
times out screens as needed to ensure secure payments. Google coordinates
tokenization, security, and key management for you.
Capture "top of wallet": Cardholders can set your card as their primary
payment option.
Tokens and cards-on-file
When a user adds their card to Google Pay, they get one or more of the
following:
Device token (DPANs)
Card-on-file (PAN/FPAN, expiry, and cardholder name)
Cloud token (tokenized version of a card-on-file)
Device tokens, cards on file, and cloud tokens are used in different scenarios.
Device tokens are device bound and can be used for in-store NFC transactions and
online transactions. Cards on file and cloud tokens are stored at the account
level, rather than on the device, and can be used for peer-to-peer and online
transactions. When tokenizing a card, the user's card information may be stored as a
card on file and can potentially incur a small, temporary charge. This charge is
refunded once the account has been verified. More information can be found on
the Google charge support
page
This documentation generally focuses on device tokens rather than cards on file
or cloud tokens. For details on how to enable device tokenization, refer to the
TSP integration section of this site.
Supported countries
The consumer support site maintains a list of
countries
where Google Pay has launched.
Supported Google Accounts
Google Pay works with for all types of Google
accounts, including Gmail
accounts, Google Accounts linked to other email addresses, and Google Workspace
accounts.
All rights reserved. Java is a registered trademark of Oracle and/or its affiliates.
Last updated 2024-10-16 UTC.
[[["Easy to understand","easyToUnderstand","thumb-up"],["Solved my problem","solvedMyProblem","thumb-up"],["Other","otherUp","thumb-up"]],[["Missing the information I need","missingTheInformationINeed","thumb-down"],["Too complicated / too many steps","tooComplicatedTooManySteps","thumb-down"],["Out of date","outOfDate","thumb-down"],["Samples / code issue","samplesCodeIssue","thumb-down"],["Other","otherDown","thumb-down"]],["Last updated 2024-10-16 UTC."],[[["Google Pay provides a fast and secure way to pay online, in stores, and more, keeping your payment information safe."],["Google Pay allows you to easily manage purchases, loyalty programs, and receive personalized recommendations."],["Financial institutions can leverage Google Pay to enhance brand visibility, offer secure payments, and become the preferred payment option for users."],["Google Pay supports various payment methods like device tokens, cards on file, and cloud tokens, each with different use cases."],["Google Pay is available in numerous countries and works with all types of Google Accounts, including personal and Workspace accounts."]]],["Google Pay facilitates secure, fast payments online and in-store. Users can store payment information in their Google Account, track purchases, and redeem loyalty points. Financial institutions can showcase their brand through card art, and Google handles tokenization and security. When users add a card, they receive device tokens for in-store and online use, or cards-on-file/cloud tokens for peer-to-peer and online transactions. Device tokenization is the focus of the document, with a list of supported countries and Google accounts available.\n"]]
