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Launched in February 2018, Google Pay is a service from Google that combines the company’s Google Wallet and Android Pay services into one app.
Google Pay Payment Processing
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.
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: This is free to use with no contractual commitments and…
- Complaints & Service: Has received more than 10 user complaints outside of the Google Play store, where it…
- BBB Rating: Does not have a profile with the Better Business Bureau at…
- Sales & Marketing: Provides its app and service for free and does not appear to…
Google Pay Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
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 few years. 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
In 2017, Google was sued for alleged discrimination in payment to its women employees. As of 2021, the case has become a massive class-action suit seeking at least $600 million from the company. The suit is still ongoing as of this post. 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.
Google Pay BBB Rating and Report
Our Better Business Bureau Profile Assessment
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.
Google Pay Fees and Rates
A Closer Look at the Contract
Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.
Early Termination Fee
PCI Compliance Fee
Equipment Lease Cost
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.
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.
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.
Google Pay Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Audit Your Current Statement To Find Its Hidden Fees
Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.
Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms
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.
Google Pay Review Summary
Our Final Thoughts and Opinions
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 fairly 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.
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