Google Pay: Here’s how to set it up on your Android phone

Google Pay is a digital pockets tied to your Google account. You can use it to ship or request cash with mates (sort 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 actual purpose 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 an alternative 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 the way to use it on-line and in shops and eating places. I’ll additionally present you the way to use it together with your Gmail in addition to add loyalty memberships, transit passes and reward playing cards. If you need to comply with step-by-step, watch the video on the prime of this story. 

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

Charlie Wagner/CNET

Set up Google Pay

The very first thing you must 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 present Google Pay entry to your machine’s location.

4. Google Pay desires to know your location so it will probably notify you whenever you’re in a spot that accepts Google Pay or makes use of your loyalty playing cards. To use the find function, 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 also can 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’ll supply to attach that credit score or debit card to the Google Pay app in your phone. Slightly creepy, however principally 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 may end up on the Verify Your Card display screen. Choose the place you need to obtain the verification quantity. Depending in your card you may have it despatched to both your electronic mail or phone quantity. Once you select, faucet the Continue button. When you obtain the quantity, kind it into the sphere on the Verification Number display screen and faucet the Submit button.


Under your card’s particulars, you may 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 need 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 cost emblem 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 wherever 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 hook up with a register.

Paying for stuff together with your phone could also be novel, however Google Pay can accomplish that rather more. With it, you should use your phone to get cash out of an ATM. If you may have a Chase debit card tied to Google Pay, for instance, you should use 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 probably 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 an alternative of plastic playing cards. You can ship and request money with family and friends, identical to you may 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 need to ship, and press the blue Attach cash button. 

5. After a couple of seconds you may 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 via Messages, and Gmail.

Charlie Wagner/CNET

This identical course of works for requesting cash.

You can use Gmail to ship and request cash as nicely. It’s extremely simple. 

1. Start a brand new electronic mail message, and faucet the paperclip icon should you’re utilizing the Gmail app in your phone or the $ icon should you’re utilizing Gmail via 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, it’s also possible to 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 need to ship or request, after which enter a recipient’s phone quantity, electronic mail or enter their identify to drag in information from their contact card. 

5. Finally, faucet Send or Request.

Use Google Pay on web sites and apps

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

Add loyalty and reward playing cards to Google Pay

Your Google Pay Wallet permits you to add loyalty playing cards and reward 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 resembling United, Delta and American.

1. To add a loyalty or reward 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 permits you to retailer your loyalty memberships and retail reward playing cards, too.

Charlie Wagner/CNET

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

4. If you may have a present card, you may 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 resembling 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 helpful having all of your memberships and reward playing cards in a single place. And here is how you employ a present card or your loyalty membership card.

1. Go to the Passes tab and select the loyalty card you need 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 kind your loyalty playing cards, open the Passes tab. Then, faucet and maintain the cardboard you need 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 permits you to add your transit card to your phone to get on trains, subways and buses. Currently solely 4 metropolis transit techniques assist 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 elements of Victoria, Australia, with the MYKI transit move 

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 displaying you the supported transit techniques. Tap the one you need to use. Depending on the transit system, you could be taken to a transit web site or app to buy your tickets or passes.

To use a move or ticket, get up your phone. For some transit techniques, you could 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 whenever you use Google Pay. I came upon 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 give you different Google Pay options

And as easy 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.

More on paying together with your phone

Originally revealed final month.

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Tarun Banerjee

Professional Web Designer & Developer,Expert in SEO & Digital Market, Founder of Tech Hunt.

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