MUST READ: How To Pay Using Google Pay 2022 – (Detailed Guide)

In 2018, Google changed its branding and revamped its online and mobile payments services, placing all of them within Google Pay. Google Pay or G Pay umbrella. It’s, in essence, its version of Apple Pay. It’s essentially an app-based wallet that can be used on mobile devices.

Formerly called Android Pay, Google Pay (or G Pay) lets users make purchases in physical stores using only their mobile. It also allows you to purchase online and send money to family and friends. It’s also possible to use gift cards, loyalty cards, or public transportation cards. There are rewards you can earn by shopping at specific retailers. Payment methods have become a financial hub with various tools for organizing your credit cards and cash.

As with Apple Pay, you can also transfer train passes, train tickets, and rewards cards. This is true whether it’s a Covid card or different.

This is everything you need to be aware of regarding Google play and how to pay using google pay.

What Is Google Pay

Google Pay brings together everything you require at the point of purchase and ensures that your payment information is safe within the security of your Google Account until you’re ready to make a payment. In addition, Google Pay makes it easy to track purchases and loyalty points. You can also redeem them and receive personalized suggestions to make it easier to save time and money. This is key to note when understanding how to pay using google pay.

Benefits of google pay

1. Convenient​

Google Pay is accepted at thousands of locations around the globe. You can use it anyplace you’ll see either the Google Pay symbol or the contactless symbol. 

2. Fast

Adding to your Mastercard into Google Pay takes just a couple of minutes, and it works for any Android device with Lollipop 5.0 or higher. This ia an important benefit to know when understanding how to pay using google pay.

3. Secure

Google Pay protects your payment details with top security technology so that you can make payments with confidence.

Requirements

The first thing to remember is that every service has limitations. Here are some of them.

  • If you’re under 18, your parents have to permit you.
  • You’ll require to have a Google account.
  • If you plan to make payment via contactless, your phone must be compatible with it and support NFC.
  • Your device should run the Android 5.0 Lollipop or higher, as well.
  • A credit or debit card is required for making payments. You may also use an account at a bank to replenish your Google Pay balance.

What countries are supported?

  • Australia
  • Austria
  • Belgium
  • Brazil
  • Bulgaria
  • Canada
  • Chile
  • Croatia
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong
  • Hungary
  • India
  • Ireland
  • Israel
  • Italy
  • Japan
  • Kazakhstan
  • Latvia
  • Lithuania
  • Netherlands
  • New Zealand
  • Norway
  • Poland
  • Portugal
  • Romania
  • Russia
  • Singapore
  • Slovakia
  • Spain
  • Sweden
  • Switzerland
  • Taiwan
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States and outlying territories

Apart from the U.S., you can utilize Google Pay in many other countries. The new territories are added constantly, and you can look up the most up-to-date list of countries supported for every region on this page.

Which devices are Google Pay compatible?

Google Pay is available on all modern Android phones (KitKat 4.4+). To pay in shops with Google Pay, your phone must be compatible with NFC (near-field technology) and HCE (host card emulation). If you place your phone on a contactless payment terminal inside a shop, NFC and HCE work together to transmit your payment details to the retailer so that you can purchase.

For Wear O.S. devices, you’re in the same scenario. The majority of modern Wear O.S. watches come with Google Pay support, providing they’re equipped with NFC built-in to support contactless transactions.

To find out if an Android phone can support Google Pay in stores, go to your device’s Settings app and click “More” in the section titled ‘Wireless and networks. If you do not find this option, search for one similar to “Connections” or “NFC,” for instance. You might have to tap ‘More’ to view other options. If you can find NFC and similar options, you can legitimately pay at the counter with Google Pay. This is important when understanding how to pay using google pay.

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Which banks work with Google Pay?

1. US

Google Pay works with your credit and debit cards from the following US financial institutions:

  • Discover
  • American Express
  • MasterCard
  • Visa

These cards are issued by the following US banks and credit unions:

  • Bank of America
  • Capitol One
  • Discover
  • PNC
  • US Bank
  • Wells Fargo
  • Chase
  • Citi

See a full list of supported financial institutions from here.

2. UK

Google Pay works with your credit and debit cards from the following UK financial institutions:

  • Visa
  • MasterCard
  • AMEX

These financial institutions support Google Pay in the UK:

  • Halifax
  • HSBC
  • Bank of Scotland
  • First Direct
  • Lloyds Bank
  • Natwest
  • Revolut
  • Starling
  • M&S Bank
  • MBNA
  • Nationwide Building Society

Find a complete list of financial institutions that are supported from here.

How To Set Up Google Pay

To create for the Google Pay app:

  1. Ensure that your device’s Android version has been upgraded to Lollipop (5.0) or greater.
  2. Download Google Play.
  3. Start your Google Pay app and follow the instructions for setting up.
    • If you’re asked to include a card.
    • It is possible to create an account lock for your screen on the screen of your Android device. Google Pay works with PIN or pattern, password, or retinae scanning locks for screens. It isn’t compatible with screen locks that recognize facial features like Smart Unlock or Knock to Unlock.
    • To purchase items in shops: Make sure your phone meets the requirements for software, including NFC, and NFC is enabled. The phone should also be equipped with HCE.
  • Users of E-Money in Japan: Your device should be Osaifu-Keitai compatible. Users of QUICPay/iD must have Osaifu-Ke Version 6.1.5 and higher. I.D. users must also be running Google Pay app version 2.89 or higher.
    • For third-party apps for payment that use Google Accounts, like iD, QUICPay, Mobile Suica, and Mobile PASMO, use the same Google Account you use to pay with Google Pay.
  1. If you’re using another contactless payment application on your smartphone: select to make Google Pay the default payment application in your phone’s Settings app.

If your Google Pay app disappeared after you opened it the first time on your device, it could be because the app isn’t on the primary screen. To display it again In your device’s settings, you can change the home screen settings to the Drawer or show the entire app.

How To Pay Using Google Pay

How To Use Google Pay On Iphone

Most users ask “how to use google pay on my phone?” the solution is right here. This are how to use google pay with phone:

These are one of the first steps on how to pay using google pay using an Iphone

  1. Install Google Pay on phones running iOS 10.0 or higher.
  2. Enter your telephone number.
  3. Log in with the details of your Google account.
  4. Follow the steps to protect Your Google Pay app and add an account with a bank. Make sure you verify that your number is valid.

How To Use Google Pay Android

These is one of the first steps on how to pay using google pay using an Android

To install Google Pay: To set up the Google Pay app:

  1. Check that your smartphone’s Android version is Lollipop (5.0) or greater.
  2. Download Google Play.
  3. Launch your Google Pay app and follow the steps to set up.
    • If you’re asked to include a card.
    • You might be asked to install an account lock for your screen for the screen of your Android device. Google Pay works with PIN patterns, passwords, and retinae scanning locks for screens. It isn’t compatible with screen locks that recognize facial features like Smart Unlock or Knock to Unlock.
    • For purchases at shops: Make sure your phone meets the requirements for software, including NFC and NFC is on. The phone should also have HCE.
  • Users of E-Money in Japan: Your device needs to be Osaifu Keitai compatible. Users of QUICPay/iD must have Osaifu-Ke Version 6.1.5 and higher. I.D. users also need Google Pay app version 2.89 or greater.
    • For third-party apps for payment that use Google Accounts, like iD, QUICPay, Mobile Suica, and Mobile PASMO, use the same Google Account you use to pay with Google Pay.

4. If you’re using a different contactless payment app installed on your smartphone, select to make Google Pay the default payment application in                   your phone’s Settings app.

If your Google Pay app disappeared after you opened your first attempt, this could be because the app is not on your primary screen. To bring it back within your settings, you can change the home Screen option into the Drawer or show the entire app.

How To Transfer Money Using Google Pay

How To Pay Using Google Pay (1)

Below is how to use google pay to transfer money:

  • Open the Google Pay app.
  • On the screen for Pay, tap a suggested friend. People you paid recently are listed first.
  • To find someone using the name of their email address, telephone number, or Q.R. code, Tap pay friend or Group.
  • Select the contact you would like to pay.
  • It could be that the person might not be using access to the Google Pay app or that they won’t let people find them. You can transfer money to them using debit cards or the balance of your Google Pay balance.
  • They’re provided with directions on the best way to make the amount. If they do not claim it within seven days, the request expires.
  • Tap Pay.
  • Input the sum.
  • To explain your payment, you can include an explanatory note.
  • You can transfer money using Google Pay within the Google Pay limits.
  • Select a payment method.
  • If the total amount is greater or less than the balance in the balance of your Google Pay account balance, the Google Pay balance is fully credited.
  • If there’s not a payment method, add a payment method.
  • Tap Pay.

These are one of the steps on how to pay using google pay when transferring money

How To Add a Debit or Credit Card

For Computers

  • Log into the payment options.
  • On the bottom, click to add a payment option.
  • Click Add credit or debit card.
  • Enter your card details.
  • If you’re required to verify the payment method you used, Choose a payment method from the options.
  • Enter the code for verification.

For Android

  • Start Google Pay. Open the Google Pay app.
  • If there are multiple accounts on Google Pay, you can select which account you wish to change:
  • Within Google Pay, you can tap your profile photo or your first name at the top left in the Google Pay app.
  • Click the account you wish to link to a credit or debit card.
  • From the bottom, swipe up.
  • Press Add a credit carddebit, or credit card.
  • Use the camera to record the card information or input it manually.
  • If you’re required to verify your payment method, select one from the choices. Find out the steps to confirm your method of payment.
  • Enter the code for verification.

NOTE: After you add the Card, you could be able to see a small charge to your account by Google. The charge is a way to verify that your account and Card are in good standing. The charge won’t impact your balance, and it will disappear soon.

How To Add Your Bank Account

In addition to paying with credit or debit cards, you may also use a bank account to add money to the Google Pay account. This is useful if you wish to have greater control over the amount you spend. The only issue is that the process can take some time. Even though they are free, transfers to banks may take as long as five business days for them to process. These are one of the ways on how to pay using google pay when adding your bank account.

  1. Go to your Google Pay app.
  2. Tap the Insights tab at the bottom-right right-hand corner.
  3. Select to show all accounts.
  4. Tap on the screen where it appears to be “Money” in Google Pay.
  5. You might be required to complete the identity verification. When asked, you should do so.
  6. Click to and add money.
  7. Choose how much to include.
  8. Click next.
  9. Select Pay options.
  10. Click on Add to your bank account.
  11. You’ll be required to log in to your account with Plaid. Follow the instructions to complete the procedure.

How To Use Contactless Google Pay

Once you’re all set to go, making payments using your mobile in-store is easy.

  1. Make sure NFC is enabled.
  2. Place the back of your device close to the terminal for just a few minutes.
  3. You must wait until the payment has been completed. A checkmark in blue will appear on the screen once it’s complete.
  4. If necessary, enter your PIN or make sure you sign the receipt.

It is also possible to use Google Pay in apps like Uber and Airbnb and online shopping. If the store accepts this payment method, click on the Google Pay purchase button at checkout to utilize it. These are one of the steps on how to pay using google pay when using contact payments.

How Does Google Pay Work In Stores?

For in-store purchases using Google Pay, follow these steps:

  1. Look for the Google Pay symbol or contactless payment symbol at a payment terminal at the checkout.
  2. Unlock your phone, or use Google Pay on your Wear O.S. watch.
  3. Keep your phone or keep an eye on the terminal until you see a checkmark or hear the sound of a beep to confirm the transaction.

You can make payments for purchases by unlocking your Android phone the same way you would normally (which also allows Google Pay to authenticate your payment) and then placing it next to a store’s contactless terminal, and that’s it. You can also make payments for purchases less than PS45 and $50 without unlocking the phone (the screen only has to be in place). However, you can only do a specific amount of transactions before your phone prompts to be unlocked.

For purchases over the £45/$50 threshold, you’ll need to sign in with your account. There’s no need to download an app to accept a payment. It lets you tap and go when you receive the confirmation/transaction details on your phone.These are one of the steps on how to pay using google pay when understanding how it works in stores.

How To Add Loyalty, Gift, or Transit Cards

You can add a loyalty card to your account by scanning it or signing into your account with a loyalty card. You can, after that, save your Card. These are one of the ways on how to pay using google pay when adding loyalty, gift, or transit Cards.

  1. Go to your Google Pay app.
  2. Tap up from the bottom.
  3. Click Add a  to add loyalty or Card to give away.
  4. Find and tap the merchant’s or program’s name.
  5. Follow the screen-based instructions.

How to pay friends

Google Pay isn’t just about making payments through POS terminals. It can also be used to pay money to your relatives and friends. It’s an easy option to divide the food charge or pay back loans.

  1. Start Google Pay. Open the Google Pay app.
  2. In Home, click on the tab, click on Send or Request.
  3. Select the contact you would like to transfer money to. Alternately, you can form an account or select the option that says Split with your friends.
  4. Pay with Select to Pay.
  5. Take the sum.
  6. Select the payment method you want to use and complete the transaction. These are how to pay using google pay when paying for a friend.

Get some rewards for shopping.

You’d like to make the most of all the great Google Pay offers, right? The good news is that Search Giant has partnered with many retail stores. Some of these offers are extremely generous!

  1. Go to Google Pay. Open the Google Pay app.
  2. Click on Explore by clicking on the Explore tab located on the lower-left edge of your screen.
  3. Scroll down to check out the various offers available.
  4. Select the option you wish to avail of and follow the redemption process. These are how to pay using google pay when getting rewards for shopping.

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