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 has brought a number of similar services under its own brand, including Tez and Pring.
Before we dive in, here's a short summary of what we'll cover:
- Google Pay's various payment processing services.
- The company has received a number of complaints, usually tied to claims of fraud or funds that can't be recovered.
- Google Pay is a simple, free way to transfer money from person to person. It is not a true credit card processing provider for businesses.
- How to Accept Google Pay at Your Business
- How to Accept Digital Wallet Payments from Customers: The Complete Guide
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 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 was initially used primarily for mobile payments. Users can add their credit, debit, or loyalty cards to the app and make payments by tapping their phone to contactless readers. There is no need to use a physical card for these transactions.
Google Pay also offers online payment services that are secure, fast, and convenient. Features like autofill, virtual cards, and a dedicated Google Pay button are available to streamline the payment process.
Google Pay aims to simplify the management of payments and finances. It is used by more than 150 million people in 30 countries every month for various financial activities.
Merger and Growth
Google Pay was created through the merger of two online payment services: Google Wallet and Android Pay. It has become one of the larger digital payment services, competing with PayPal, Apple Pay, and Venmo.
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…
- 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 Customer Reviews
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 reviews 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. If you have your own Google Pay review to make, please do so in the comments below.
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 a number of negative Google Pay 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
Google itself has been the target of many lawsuits, but as of yet none of them involve the Google Pay service, so we will not include them here. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Google Pay Customer 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 Customer Service Number
- (888) 986-7944 – Toll-Free Support
Other Support Options
- Help database
Google Pay Online Ratings
Here's How They Rate Online
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, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees
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 clients 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 their 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 Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers
|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.
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