Google Pay Overview

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Google’s All-in-One Payment App

Launched in February 2018, Google Pay (pay.google.com) is a service from Google that combines the company’s Google Wallet and Android Pay services into one app. Google Pay enables users to send peer-to-peer payments (via a sub-service called Google Pay Send that operates like Venmo or Square Cash), make in-app purchases, buy from websites, store loyalty and rewards cards, and make NFC payments in-store at participating retailers. Google plans to eventually integrate Google Pay into all of its products, including Google Chrome and Google Assistant.

Free Transactions For All Users

Google Pay can store debit and credit card information from most major banks, and it can also store a user’s PayPal account details. The service can be integrated with e-commerce websites for free, and it does not add fees to in-store purchases above the fees that automatically come with processing a customer’s linked cards. In other words, it is free for anyone to use at any time. Users should be aware that Google Pay’s peer-to-peer payment service only works with debit cards and does not allow credit card transactions.

Google Pay Review Table of Contents

  • Costs & Contract: Google Pay is free to use with no contractual commitments.
  • Complaints & Service: Google Pay has received more than 10 user complaints outside of the Google Play store, where it averages a 4.4 rating.
  • BBB Rating: Google Pay does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Google Pay provides its app and service for free and does not appear to engage in outbound sales.
  • Rates & Fees: How Merchants Got The Best Rates With Google Pay

Google Pay Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Google Pay merchant account statement. Not with Google Pay? That's ok, we can find excessive fees in any statement. In fact, We've found $798,496 in hidden fees in 2019 already! Submit a recent statement to try it out for free!

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Products & Services Offered

  • Peer-to-peer payments
  • Online checkout
  • NFC payments
  • In-app purchases
  • Gift and loyalty programs
  • Google app purchases

Types of Businesses Served

  • Personal use
  • E-commerce
  • Retail

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Google Pay Rates, Fees, and Costs

Key Points

Swiped Rate 0%
Keyed-in Rate 0%
Early Termination Fee $0
PCI Compliance Fee $0
Equipment Lease Cost $0

Simple Sign-Up and Integration

Google Pay is designed to integrate neatly with many of the services that its users already employ. Users can make in-app payments on their mobile devices with a few taps, send ACH transfers to one another for free via Gmail, and tap-and-pay with their Android phones at participating retailers. Google does not charge merchants or retailers for using Google Pay, and it does not require any kind of contractual commitment from users. It’s completely free and optional.

Security Features

In terms of security, Google Pay requires the entry of a PIN for all debit and credit card NFC payments. All transaction details transmitted by Google Pay are encrypted and stored in remote servers, and Google Pay accounts can be remotely disabled in the event of phone theft or card loss. Before its deactivation, Google Wallet did not have a worrisome record of security issues.

Security Vulnerabilities

Where Google suffers is the all-in-one integration of its profiles and services. As with any other Google service, a compromised Google profile for just one service—most notably, Gmail—could possibly compromise all of a user’s other Google services. In other words, if a user stores her card information in her Google account with Google Pay, then that information—bank account information, card information, personal information—is only as safe as that Google account. Although Google Pay’s use of a PIN to authorize in-store payments and data encryption are industry-standard security measures, users will be vulnerable to fraud if they allow any of their Google login info to be compromised. We have already received some complaints to this effect, but it does not appear to be a widespread concern at this point.

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Response from Google Pay

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Google Pay Complaints & Customer Reviews

Key Points

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Poor Service

Low Complaint Total

There aren’t a large number of public Google Pay complaints due to the fact that the service has only been active for a year. It currently has a 4.4 rating on the Google Play store based on over 500,000 user ratings. Positive reviews praise the company’s decision to merge Google Wallet and Android Pay into one app, as well as its user-friendly layout and storage of rewards cards. Negative reviews mention slow performance, payment malfunctions, and a lack of compatibility with certain devices or bank accounts.

Google Wallet Complaints

Although Google Pay is too new to have a comprehensive picture of user feedback, it can be useful to apply some user complaints that were filed against Google Wallet. We’ve received more than 60 negative reviews in the comment section below our Google Wallet review, most of which describe fund holds or being ripped off by another Google Wallet user and receiving very little assistance from Google. It’s possible that Google’s support for Google Wallet atrophied as the company transitioned the service to the Google Pay brand, but users should be aware that fund holds are possible through the service if they engage in behavior that Google deems suspicious.

Google Pay Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Google. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Google Pay Support Options

Google offers phone, email, and chat options to its users, but most Google Pay complaints describe slow response times from the company. Users should be judicious about how much money they send through the app and who they conduct business with through the app, as there is a chance they will receive limited assistance from Google in recovering funds.

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Response from Google Pay

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Google Pay BBB Rating Summary

No BBB Profile

The Better Business Bureau does not maintain a profile specifically for Google Pay at this time. We therefore will not factor a BBB rating into this review.

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Response from Google Pay

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

No Pricing To Disclose

Google Pay is a free service that is automatically provided to anyone with a Google account. It comes pre-integrated with Google products, although users will need to set up account details in the app before they can use it. Since Google does not charge people to use the service, it isn’t really possible for the company to misrepresent its pricing to its users.

Holdover Google Wallet Complaints

Some complaints filed against the company’s discontinued Google Wallet service state that they were not properly informed of potential hold times or transaction limits, which could be classified as a nondisclosure issue. However, it is unknown whether these issues will persist under the Google Pay brand. It is also unrealistic to expect Google to warn potential users away from using an app that was preinstalled on their device. Users who are concerned about fund holds should take a moment to learn why payment processors hold funds.

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Response from Google Pay

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Google Pay Marketing Example

Google Pay Logo

Our Opinion of Google Pay

A Free and Easy Way To Transfer Money

Google Pay rates as a reliable money transfer service according to our criteria. The service is free to use and easy to install, and initial user reviews are generally positive. The only cause for concern is the minor reputation for withheld funds and unresolved fraud that Google Wallet had accumulated before its deactivation. We will continue to monitor user feedback about this brand new service and adjust our rating as necessary. Users are also encouraged to compare Google Pay’s reputation with those of other top-rated mobile apps for sending money.

We rely on your feedback about Google Pay to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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9 Reviews Leave Your Review for Google Pay Below

  1. My says:

    Google pay is a joke.. I paid someone for a service the other party didn’t provide service. Contacted google pay and they couldn’t help me obtain my money. They told me to contact my bank knowing damn well my bank wasn’t going to do jack either because google pay is 3rd party with no rights.
    NEVER AGAIN I’ll keep PayPal at least they will take action!!


    This post will help: Best Mobile Apps for Sending Money

    -Phillip

  2. Be very careful using google pay, I would not recommend its not fully setup yet with security I just got my bank account debit out money from a company I have never signed up for or used or know of. I reached out to google play multiple times to check it and they said there sorry the hackers have already claimed the money and through there system and there was nothing they could do or trace them down. They said its something they are working on in the future and really sorry about the money losted from my account. 5/14/19

    Also if you dont believe me call your local banks I use Chase Bank and they will tell you one the phone google pay uses a different system to debit money out of people accounts and theirs nothing the big banks can do and scammers and hackers know it, so if there is a company out there asking for you to use google pay only I wouldn’t do it because there is no way to get your money back if you make an error or if your account gets hacked like ours did from a person from Russia using Google pay or a remote connect please be careful


    This post will help: Best Merchant Accounts for Photographers

    -Phillip

  3. Jennifer Martinson says:

    Google Pay is not as secure as they lead people to believe. Just decided the other day to use google pay to purchase a gaming controller… 2 days later I sign into my bank account online and then boom, 42.96 in small purchases were made from my card using google pay to purchase a things (I imagine) on some jungle Google play game that I have never downloaded let alone bought things for. I figured no big deal and filed the complaint with google pay… 8 days later I got an impersonal email with absolutely zero details stating they would not be refunding me. That is all it said! I’ve been on hold with the google team on the phone since 11 A.M. it so now 3.25 P.M…. I am no closer to getting any answers and no one seems to be able to provide me with any answers but only repeating I won’t be getting refunded… I have asked for a supervisor 3 times, each time I am placed back on hold, someone else gets back on the phone but when I ask if I am speaking with a supervisor I am told I am not in fact speaking with a supervisor but informed instead that I was simply transferred over to the next available customer service rep! Good job Google Pay! No security, no reaching out, no customer service, no answers for your customers, no details… What do you have to offer me as a 2 decade loyal customer exactly? Just wow… Well here I sit with even more questions and still zero answers. Sigh..


    This post will help: Best Payment Processors for Great Customer Service

    -Phillip

  4. Robert Fallon says:

    I was just scammed on google pay .5 days ago , they just wrote to me :…We’ve investigated the charges , and confirmed that they weren’t made from your [REDACTED – personal contact information] account. I’m sorry to hear your payment method seems to have been used without your knowledge or authorization.

    Now they’re saying it’s not under their guidelines to refund me . I’m now being scammed by Google


    This post will help: How to Make Your Payment Processor Release Your Money

    – Phillip

  5. Eliza Turner says:

    I need help verifying my google pay account. No matter how hard I try I cannot get in contact with anyone. When I try to chat, email, or request a call back from an agent, I am taken to the verification form which I have filled out multiple times. I never receive any notification that they are even reviewing my situation. I Need Help And No One Will Help Me!!! I cannot even cancel my google pay without this verification. I just want to be able to use this service to make purchases for and in apps from the google play store. I guess they are too good to except my money. I have spend days, weeks and now months trying to get this issue resolved with not a peep. I give them a -12 stars if at all possible. Do not use this service!! When problems arise, no one will be willing to help!!

  6. Becky says:

    On April 5th my friend sent me money via Google Pay for $150. It went to an expired debit card therefore I never got my money. It’s now September 14th and I have yet to receive my money. I’ve been working on this for 5 months with Google. I’ve given them bank statements showing it never hit my account, I’ve had conference calls with my bank and them, I’ve had about 50 emails with them and nothing. I have even resorted to reporting them to the Better Business Bureau.
    Stick with PayPal, never use Google Pay.


    From The Editor
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  7. Patricia Anne Jackson says:

    I was advised by Joseph a manager ( that I spent over 30 minutes on the phone with) that I should go to a competing payment systems such as Paypal, etc. in order to receive payments. This, instead of resolving the issue. He walked me through a process that was completely ineffective and was sent to me by the “escalation” department yesterday via e-mail and was ineffective as well. He said there is no access to Quality Assurance for customers or direct customer service contact for customers. I requested and am requesting again a copy of the recorded conversation. For months there has been no problem with receiving payments to my account then with no change on my end or by my bank I am no longer able to receive payments. Last week I was told the problem was with my bank (I went there physically no problem there) Googlepay is autofilling my address which is incorrect, but fixing that did not fix the problem. I was on hold over an hour yesterday with googlepay regarding this issue with no resolution, for two hours last week with a resolution but apparently no permanent repair of the problem whatever that is. I expect more than an impersonal e-mail that takes 48 hours and gives wrong advice. I was also told my card was expired, which it is not. Apparently they just make things up when they can’t find a fix.


    From The Editor
    This Post Might Help: Why Credit Card Processors Hold Funds

  8. Google Pay is a complete winner so far for me. I use it instead of Venmo now for peer to peer payments. Now I am trying to integrate them into my websites and I am running into a few snags that I believe they need to work on. I am sending all my questions and suggestions to them weekly and noticing that they are building and improving the service at an incredible rate of speed!

  9. renee artoise says:

    I had to deal with one of their staff google pay, the dude was manipulative, not comfortable to interact with, just avoid him and will avoid the entire google pay after this


    From The Editor
    This Post Might Help: Best Mobile Apps for Sending Money

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