Google Pay is a digital wallet and online payment system that allows you to use your Android device to make purchases in store, in apps and online without needing your physical debit or credit card. This guide covers what Google Pay is, how it works, how to use it and what US banks currently offer it.
Which US banks support Google Pay?
Google Pay works with debit and credit cards from nearly every US financial institution — including credit unions. More than 20 popular banks that support Google Pay also support mobile payment apps like Apple Pay and Samsung Pay.
|Bank||Google Pay||Apple Pay||Samsung Pay|
|Bank of America|
|Bank of the West|
|Marcus by Goldman Sachs|
|Navy Federal Credit Union|
International banks that offer Google Pay
This table highlights international banks that support Google Pay, along with the countries they operate in.
|Bank||Countries they operate in|
How Google Pay works
Once you’ve stored your cards in Google Pay, you can make contactless payments in stores by holding your Android device up to a card reader. There’s a near field communication (NFC) chip inside your phone and the card reader. Both chips connect to each other and process the payment without needing your physical card or PIN.
How to add a debit or credit card to Google Pay
You can add a new card to Google Pay in a matter of minutes:
- Download the Google Pay app on your mobile device.
- Open the Google Pay app on your mobile device.
- Tap Payment at the bottom of the screen and select + Payment method.
- Scan the front of your debit or credit card or add your card number and expiration date manually.
- Enter the CVC number found on the back of your card.
- Review Google’s Payments Terms of Service and Privacy Notice.
- Tap Save.
- Your card provider may want to verify your payment method by email, text or phone. Select your preferred method of verification.
- Enter the verification code you receive.
- Once verified, you can use your newly added card to make payments through Google Pay.
You must be at least 16 years old to use Google Pay. If you’re under age 18, you’ll need a parent or legal guardian’s permission before you can accept the terms and conditions and use the app.
How many cards can I add to Google Pay?
You can store as many cards as you’d like in Google Pay. There’s no limit.
Can I use Google Pay internationally?
You can use Google Pay worldwide at any store that accepts contactless payments. As of May 2020, you can use Google Pay in any of the following locations:
- Czech Republic
- Hong Kong
- New Zealand
- United Arab Emirates
- United Kingdom
- United States
Compare accounts compatible with Google Pay
All of these products can be added to Google Pay. Consider adding a debit or credit card with rewards on everyday purchases to get the most value from your digital wallet.
With Google Pay, you can make in-store and online purchases using your mobile device as a digital wallet. But this contactless payment system only works on Android devices and with eligible debit and credit cards.
Frequently asked questions
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