How Does Google Pay Work? (Using It)
In early 2018, Google unified all of its payment systems like Google Pay. Google Pay, formerly known as Android Pay, is Google’s relatively new digital wallet platform that allows its users to make online payments since then. It is possible to utilize Google Pay to make contactless payments, send money to friends, make in-app purchases, and many more. So, how does Google Pay work?
There are many online transactions you can do with Google Pay. Apart from this, the app contains many cutting edge technologies that make online payments much more convenient both for the user and the seller. Users on Google Pay make online purchases only with a few taps.

How to Create a Google Pay Account?
If you want to use Google Pay, you need to have a Google account. You should create a Google account or log in to an existing one to fully utilize its features. You can follow these below-listed steps to set up Google Pay on your mobile device:
- Download and install Google Pay using Google Play.
- Open the app and navigate to the “Cards” section, then add your credit or debit card.
- For your first purchase, tap the “Get Started” section and select a payment method to use from now on.
- Upload the photo of your card and enter your information
- Verify the card with an SMS or email.
After these steps, you can start using Google Pay for contactless payments in available terminals.

How to Set Up Google Pay in Wear OS?
You can also use Google Pay on your Wear OS watches by following a similar process. To use Google Pay in your smartwatch, you can follow these steps:
- Launch Google Pay.
- Tap to the “Get Started.”
- Set up your screen lock.
- Add your credit or debit card by using your phone.
Google Pay in smartwatches is only available in Australia, Canada, France, Germany, Switzerland, Italy, Poland, Russia, Spain, the UK, or the US. It is important to note that you don’t need to download Google Pay as the app is already installed on supported smartwatches.
How to Send or Receive Money via Google Pay?
You can use Google Pay to send or receive money in the Google Pay app or at its website. It is possible for you to send and receive money with the app on Android or iOS devices and from a desktop. Keep in mind that this feature is only available in the US. Other than these, Google Pay does not charge any fees for transactions between its users and other people.
To send money:
- Launch the Google Pay app on an Android or iOS mobile device.
- Tap the “Send” button located in the bottom right corner
- Tap the “+Send” button
- Choose your contact to send money
- Type the amount
- Tap the “Send” button
- Confirm your payment method
- Tap the “Confirm and Send” button
You can cancel the transfer within a few seconds if you change your mind or notice a mistake.
To receive money:
Google sends a notification with an email or text message with instructions when someone sends you money via Google Pay.
- Tap on the “Claim Money” in the email or SMS
- Sign in to your Google account
- Add a debit card that you want to transfer the money or claim it to your Google Pay balance.
- Type your address information.
- Claim the money.
Sending or receiving money via Google Pay on iOS and a desktop has very similar processes. Google allows up to $10,000 valued transactions in a day and also for 7 days.

How to Make Purchases in Apps via Google Pay?
Google Pay lets users buy products or services in supported apps. This way, you can pay faster in a more secure digital environment. To make in-app purchases with Google Pay, you can follow these steps:
- Look for and navigate to the “Buy with Google Pay” button.
- If asked, choose a payment method and type your address.
- Confirm the purchase.
Some apps do not accept payments via Google Pay. However, the app enables you to make purchases without entering/using your credit card each time.
How does Google Pay Work in Sites?
You can use Google Pay on various supported sites to make purchases. You can follow these steps to make purchases online with Google Pay:
- Open Google Pay in your web browser.
- At the checkout section on a supported site, navigate to the “Google Pay” purchase button.
- If asked, choose a payment method and enter your shipping address.
- Confirm the order.
After you make your purchase, you can select the payment method as default. So the next time you buy something from that site again, all the required information will be filled automatically by Google Pay.
Buying Transportation Tickets with Google Pay
Similar to other mobile payment platforms, Google Pay also offers to buy transportation tickets with contactless payments. You can navigate to the “Passes” section in the app to buy tickets. You can pay for your travels by train & bus in Australia, Canada, India, Japan, Russia, Singapore, Ukraine, the United Kingdom, and the United States by Google Pay. Keep in mind that Google Pay only works in certain transit systems.
Country Limitations on Google Pay
All of Google Pay’s features are not available in certain countries. However, buying Google products and paying for apps with Google Pay is possible in almost all countries where the Google Play app is available. Sending money to friends, making contactless payments, buying gift cards, and many other features are only available in certain countries.
FAQs of How Does Google Pay Work
Google Pay does not send your information to sellers or to any other third-party. Google has a process called tokenization that stands in for your actual credit or debit card numbers with multiple layers of security. So it is safe to say that your information can’t be stolen while using Google Pay. That being said, you still should keep yourself safe by avoiding malicious software and keeping valuable information safe.
Google Pay has various payment features that are available in many countries. However, sending and receiving money from friends is only available in the US. Other than sending money to friends, you can use its various features in many countries.
Google Pay offers a fast, secure, and reliable method to make payments. You only need an Android device to keep all your loyalty cards, gift cards, and tickets in one place. It is also possible for you to use the app for transit in some countries.
Many transactions in Google Pay require identity details such as name, address, or date of birth. In some situations, Google Pay may ask for an ID or proof of address. Google asks your identity details if suspicious transactions occur or to verify your personal information.
Although Google Pay accepts almost all major credit or debit card companies, their usage varies by the country and the product. However, it is possible for you to make payments using American Express, MasterCard, and Visa cards in all regions of the world where Google Pay is available.
Conclusion on How Does Google Pay Work
Google Pay is an all-around online payment app with various features. While its availability and usage hugely vary depending on the country or products, the app manages to deliver fast and secure purchases. In this article, we explained some of Google Pay’s most prominent features in detail and covered their availability in region to region.
The post How Does Google Pay Work? (Using It) is republished from Dopinger Blog
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