Google Pay is a digital wallet tied to your Google account. You can use it to send or request money with friends (kind of like Venmo), use it in apps to pay for things and use it at a store or restaurant with an Android phone or watch running Wear OS. But perhaps the real reason to use Google Pay is that it’s faster and more secure than using a physical debit or credit card.
Replacing Android Pay and Google Wallet in 2018, Google Pay works without sending stores and restaurants your actual card numbers. Essentially, your credit and debit card information is stored securely on Google’s servers, and instead of transmitting your card’s numbers, Google Pay uses a token called a virtual account number as a stand-in.
To get you started, I’ll walk you through setting up Google Pay and how to use it online and in stores and restaurants. I’ll also show you how to use it with your Gmail as well as add loyalty memberships, transit passes and gift cards. If you want to follow step by step, watch the video at the top of this story.
Set up Google Pay
The first thing you need to do is get the Google Pay app.
1. Download the app from the Google Play Store to install it.
2. Open the Google Pay app, and tap the Get Started button.
3. Next, tap the Connect to Gmail button. A window will pop up asking for your permission to give Google Pay access to your device’s location.
4. Google Pay wants to know your location so it can notify you when you’re in a place that accepts Google Pay or uses your loyalty cards. To use the locate feature, tap the blue-lettered Turn On button at the bottom of the screen.
5. Across the bottom of the Google Pay app are four tabs: Home, Payment, Passes and Send. Go to the Payment tab, and then tap on the Add Payment Method button.
You can also start on the Home tab. Go to the Pay With Your Phone in Stores section and tap the blue Set It Up button. If you already have a card on file with your Google account (maybe for the Google Play store or for another Google service) it will offer to connect that credit or debit card to the Google Pay app on your phone. Slightly creepy, but mostly useful.
6. You also have the option to add a new card to your account. To do so, tap Add a New Card and then hold your card in the camera window that pops up. After the camera captures your card’s information, verify your card’s expiration date and CVC number.
7. Once you do, hit the Save button at the bottom of the screen. Read the Terms of Service, and tap the Accept & Continue button at the bottom.
8. Next, your bank will verify your card, and you’ll get a message stating that your lock screen will be used for Google Pay. Once you understand that, hit the blue Got It button at the bottom.
9. Next, you’ll find yourself on the Verify Your Card screen. Choose where you want to receive the verification number. Depending on your card you can have it sent to either your email or phone number. Once you choose, tap the Continue button. When you receive the number, type it into the field on the Verification Number screen and tap the Submit button.
Set a default card for Google Pay
You can store multiple cards on Google Pay and even set one up as the default card.
1. Tap the stored card you want to set as default.
2. When the card’s details screen pops up, tap the Default for in-store payments slider button. It takes a minute or so to turn blue. How long exactly? Well, I had enough time to add a nickname for my card (Brewster’s Millions).
How to use Google Pay at stores, restaurants and ATMs
To use Google Pay at a store or restaurant, look for the wireless payment logo at a register. It’s the one that looks like a hand holding a square piece of cheese over a plate of curved hotdogs of increasing lengths……..Read More>>