Google Pay: Everything you need to make fast, secure mobile payments with your phone

Google Pay can be utilized in shops, eating places and on-line. You may also ship and request cash.

Charlie Wagner/CNET

Google Pay is a digital pockets tied to your Google account. You can use it to ship or request cash with associates (type of like Venmo), use it in apps to pay for issues and use it at a retailer or restaurant with an Android phone or watch operating Wear OS. But maybe the true cause to make use of Google Pay is that it is sooner and safer than utilizing a bodily debit or bank card.

Replacing Android Pay and Google Wallet in 2018, Google Pay works with out sending shops and eating places your precise card numbers. Essentially, your credit score and debit card data is saved securely on Google’s servers, and as a substitute of transmitting your card’s numbers, Google Pay makes use of a token known as a digital account quantity as a stand-in.

To get you began, I’ll stroll you thru establishing Google Pay and how you can use it on-line and in shops and eating places. I’ll additionally present you how you can use it together with your Gmail in addition to add loyalty memberships, transit passes and present playing cards. If you wish to observe step-by-step, watch the video under. 

Set up Google Pay

The very first thing it is advisable to do is get the Google Pay app. 

1. Download the app from the Google Play Store to put in it. 

2. Open the Google Pay app, and faucet the Get Started button. 

3. Next, faucet the Connect to Gmail button. A window will pop up asking in your permission to offer Google Pay entry to your machine’s location.

4. Google Pay desires to know your location so it may well notify you if you’re in a spot that accepts Google Pay or makes use of your loyalty playing cards. To use the find characteristic, faucet the blue-lettered Turn On button on the backside of the display screen.

5. Across the underside of the Google Pay app are 4 tabs: Home, Payment, Passes and Send. Go to the Payment tab, after which faucet on the Add Payment Method button.

You may also begin on the Home tab. Go to the Pay With Your Phone in Stores part and faucet the blue Set It Up button. If you have already got a card on file together with your Google account (possibly for the Google Play retailer or for one more Google service) it can supply to attach that credit score or debit card to the Google Pay app in your phone. Slightly creepy, however largely helpful.


You can use credit score and debit playing cards already related to your Google account, or add new ones.

Charlie Wagner/CNET

6. You even have the choice so as to add a brand new card to your account. To accomplish that, faucet Add a New Card after which maintain your card within the digicam window that pops up. After the digicam captures your card’s data, confirm your card’s expiration date and CVC quantity. 

7. Once you do, hit the Save button on the backside of the display screen. Read the Terms of Service, and faucet the Accept & Continue button on the backside.

8. Next, your financial institution will confirm your card, and you will get a message stating that your lock display screen might be used for Google Pay. Once you perceive that, hit the blue Got It button on the backside. 

9. Next, you will end up on the Verify Your Card display screen. Choose the place you wish to obtain the verification quantity. Depending in your card you possibly can have it despatched to both your e-mail or phone quantity. Once you select, faucet the Continue button. When you obtain the quantity, kind it into the sector on the Verification Number display screen and faucet the Submit button.


Under your card’s particulars, you possibly can add a nickname and set a card to be the default for funds.

Charlie Wagner/CNET

Set a default card for Google Pay

You can retailer a number of playing cards on Google Pay and even set one up because the default card. 

1. Tap the saved card you wish to set as default. 

2. When the cardboard’s particulars display screen pops up, faucet the Default for in-store funds slider button. It takes a minute or so to show blue. How lengthy precisely? Well, I had sufficient time so as to add a nickname for my card (Brewster’s Millions).

How to make use of Google Pay at shops, eating places and ATMs

To use Google Pay at a retailer or restaurant, search for the wi-fi fee brand at a register. It’s the one that appears like a hand holding a sq. piece of cheese over a plate of curved hotdogs of accelerating lengths.


You can use Google Pay anyplace you see the contactless image.

Charlie Wagner/CNET

When you see the image, unlock your phone close to the register (maintain it inches away), and Google Pay will set off open together with your default card. Google Pay, like Apple Pay, makes use of NFC to connect with a register.

Paying for stuff together with your phone could also be novel, however Google Pay can accomplish that far more. With it, you should utilize your phone to get cash out of an ATM. If you will have a Chase debit card tied to Google Pay, for instance, you should utilize it at a Chase ATM with a contactless reader to withdraw cash. Of course, you continue to need to enter your debit card PIN quantity to take action.


Once of essentially the most handy makes use of I discovered for Google Pay was utilizing it to get money out of an ATM.

Charlie Wagner/CNET

Send and obtain cash with Google Pay

But Google Pay is not nearly utilizing your phone as a substitute of plastic playing cards. You can ship and request money with family and friends, similar to you possibly can with Venmo and Zelle.

1. To ship money, open the Messages app. 

2. Start a brand new message, and faucet the + button. 

3. From there, faucet the Google Pay popup window. 

4. Tap Continue, enter the quantity you wish to ship, and press the blue Attach cash button. 

5. After just a few seconds you will see a tiny sq. inside your message bubble with the sum of money you entered. Once you are prepared, faucet the Send icon.


You can ship and request cash by means of Messages, and Gmail.

Charlie Wagner/CNET

This similar course of works for requesting cash.

You can use Gmail to ship and request cash as effectively. It’s extremely straightforward. 

1. Start a brand new e-mail message, and faucet the paperclip icon when you’re utilizing the Gmail app in your phone or the $ icon when you’re utilizing Gmail by means of a browser. 

2. Next, choose Send Money or Request Money. Enter the quantity, add a memo after which faucet Attach Money or Attach Request

3. Finally, ship your message.

With Google Pay, you can even ship or request cash out of your browser.

1. Go to and log in. 

2. Next, choose the Send or Request Money tab. 

3. Tap Send Money or Request Money

4. Enter the sum of money you wish to ship or request, after which enter a recipient’s phone quantity, e-mail or enter their identify to tug in information from their contact card. 

5. Finally, faucet Send or Request.

Use Google Pay on web sites and apps

You may also use Google Pay at checkout on web sites in addition to in apps equivalent to Caviar, Starbucks and Airbnb. Anytime you see the Google Pay icon on a web site or in an app, merely faucet it at checkout. 

Add loyalty and present playing cards to Google Pay

Your Google Pay Wallet allows you to add loyalty playing cards and present playing cards to it. For instance, I added my AMC Stubs A-List card. But there are a bunch of retailers supported, from Starbucks and Walgreens to Ikea and airways equivalent to United, Delta and American.

1. To add a loyalty or present card, open the Google Pay app and faucet the Passes tab on the backside of the display screen. 

2. Then, faucet the blue Pass button with a + signal. 


Google Pay additionally allows you to retailer your loyalty memberships and retail present playing cards, too.

Charlie Wagner/CNET

3. Next, choose both Loyalty program or Gift card from the pop up window. When the record of shops and eating places seems, select the corporate in your card or loyalty program.

4. If you will have a present card, you will be prompted to enter the cardboard’s particulars. For a loyalty program, a digicam window will pop as much as scan your loyalty membership quantity. Some firms provides you with the choice to enter the numbers manually by tapping the enter manually button on the backside of the display screen. If you do not have already got a membership, some firms equivalent to sandwich-maker Jimmy John’s will allow you to join a brand new account.

Passes do not work as seamlessly as a credit score or debit card, however it may be useful having all of your memberships and present playing cards in a single place. And this is how you utilize a present card or your loyalty membership card.

1. Go to the Passes tab and select the loyalty card you wish to use.

2. Next, current the barcode to the cashier to scan. If your card does not have a barcode, learn your membership quantity to the cashier. 

To type your loyalty playing cards, open the Passes tab. Then, faucet and maintain the cardboard you wish to rearrange. Move it up or right down to reorder it as you need.

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Use Google Pay on a transit system

Google Pay additionally allows you to add your transit card to your phone to get on trains, subways and buses. Currently solely 4 metropolis transit techniques help it:

  • The monorail in Las Vegas
  • The TriMet, C-TRAN and Portland Streetcar with The Hop in Portland, Oregon
  • The MCAT transit system in Manatee County, Florida
  • Public transit in Melbourne and components of Victoria, Australia, with the MYKI transit cross 

1. To add a transit card, open the Google Pay app and faucet the Passes tab on the backside of the display screen. 

2. Next, faucet the blue Pass button with a plus signal. 

3. Select Transit from the pop up window. A display screen will seem exhibiting you the supported transit techniques. Tap the one you wish to use. Depending on the transit system, you may be taken to a transit web site or app to buy your tickets or passes.

To use a cross or ticket, get up your phone. For some transit techniques, it’s possible you’ll must unlock your phone and select your ticket. Next, maintain your phone to the cardboard reader and wait till you see a blue checkmark.

Google Pay and your transaction information

In doing analysis for this story, I used to be curious concerning the information Google collects if you use Google Pay. I discovered that Google might use information from Google Pay transactions:

  • To facilitate your Google Pay transactions
  • To present you your transaction particulars and historical past
  • To resolve an issue you are having with Google Pay
  • To offer you different Google Pay options

And as simple as all that sounds, it is that final one — “other Google Pay features” — that leaves the door open for focused advertisements. If you are already a Gmail person, nonetheless, you are just about letting Google do the identical factor.

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