Google Pay

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Google Pay

Google Pay (GPay) Logo.svg
Basic data

developer Google LLC ( more )
Publishing year 2015 (as Android Pay)
2018 (as Google Pay)
operating system from Android 5
category Mobile payment
License Proprietary
German speaking Yes
pay.google.com

Google Pay (formerly: Android Pay) is a mobile payment system from the US company Google for Android devices, in the USA also for iOS version 9.0 or higher.

development

Android Pay was announced by Sundar Pichai on March 2, 2015 as part of the Mobile World Congress and officially presented on May 28, 2015 in the course of Google I / O. The official start of the service was on September 10, 2015, but initially could only be used in the United States.

In the course of the developments, Google Inc took over the joint venture JVL Ventures, founded by the US mobile phone provider, and thus its mobile payment platform Softcard . Google's Wallet service , which originally offered the functionality of making cashless payments in shops, continues to exist with a new range of functions even after the introduction of Android Pay and has been renamed Google Pay Send . Inter-person payments (P2P payments) are currently offered in the US and UK.

The service works with all Android versions from Android 5.0 ( Lollipop ) and a built-in NFC chip. There are partnerships with large companies such as Pepsi , McDonald’s or Subway . At the start of the service, there were already over a million stores that can pay with Google Pay, and more stores and locations are to be added continuously. The option to pay within apps with Android Pay has been available since December 2015.

At the beginning of 2018, Google announced that the two services Android Pay and Google Wallet would be merged under the Google Pay brand in the future . The rollout of Google Pay started on February 20, 2018 .

At the beginning of 2019 it was announced that Google Pay had been recognized as an e-money institution in the EU.

Availability

Worldwide availability of Google Pay

Google Pay was initially only available for the US for a long time . Google Pay can currently be used in the following countries:

date country
Sep 11 2015 United StatesUnited States United States
May 18, 2016 United KingdomUnited Kingdom United Kingdom
June 27, 2016 SingaporeSingapore Singapore
July 13, 2016 AustraliaAustralia Australia
Oct 20, 2016 Hong KongHong Kong Hong Kong
Nov 17, 2016 PolandPoland Poland
Dec 1, 2016 New ZealandNew Zealand New Zealand
7th Dec 2016 IrelandIreland Ireland
Dec 13, 2016 JapanJapan Japan
March 7, 2017 BelgiumBelgium Belgium
23 May 2017 RussiaRussia Russia
May 31, 2017 CanadaCanada Canada
June 1, 2017 TaiwanRepublic of China (Taiwan) Taiwan
July 26, 2017 SpainSpain Spain
Nov 1, 2017 UkraineUkraine Ukraine
Nov 14, 2017 BrazilBrazil Brazil
Czech RepublicCzech Republic Czech Republic
28 Feb 2018 SlovakiaSlovakia Slovakia
June 26, 2018 GermanyGermany Germany
July 31, 2018 CroatiaCroatia Croatia
28 Aug 2018 IndiaIndia India
19 Sep 2018 ItalyItaly Italy
Oct. 30, 2018 DenmarkDenmark Denmark
FinlandFinland Finland
NorwayNorway Norway
SwedenSweden Sweden
Nov 14, 2018 United Arab EmiratesUnited Arab Emirates United Arab Emirates
December 11, 2018 FranceFrance France
April 30, 2019 SwitzerlandSwitzerland Switzerland
Announced Korea SouthSouth Korea South Korea

function

The credit , debit , customer or gift card data must be stored once or the PayPal account must be linked. These are securely stored and are not transferred to the merchant during a transaction. Payments can be triggered by apps that have the Google Payment API integrated, including Groupon and Uber . These are processed without the additional entry of credit card details. It is also possible to use the “Tap and Pay” interface to make payments in shops using NFC . Google cooperates with payment service providers such as Mastercard or Visa .

In shops you can pay via existing NFC terminals if the stored card is accepted; The user then receives a transaction confirmation via notification on his device. In order to be able to pay with Google Pay within an app, there is the “Pay with Google” button, which can be used to make payments similar to the well-known PayPal Express payment system. In addition, there should be a loyalty system, for example at Coca-Cola machines.

safety

According to Google, the data is implemented using "tokens". The real credit card details are not exchanged with the corresponding payment terminal or the app. If the smartphone is lost, in order to prevent unauthorized payments, the user can delete the data on the device remotely using the "Android Device Manager" or assign a new password - this function is also available from Android without Google Pay supports. Google Pay has supported fingerprint scanners since Android 6.0 ( Marshmallow ) .

Google Pay in Germany

In Germany, Google cooperates with BW-Bank , Comdirect Bank , Commerzbank , ING-DiBa , N26 , Deutsche Kreditbank , Bunq , Advanzia Bank and Revolut as well as the financial service providers Wirecard , Klarna and VIMpay . It supports MasterCard , VISA and Maestro . Banks don't have to support all cards; currently only Commerzbank includes all business and co-branding from -Credit cards. Since September 2018, the service can also be used in Germany with smartwatches with the Wear OS operating system .

On October 10, 2018, PayPal and Google announced that Google Pay can be used in retail outlets with a Debit Mastercard . PayPal debits the amounts via the deposited bank account.

At the end of November 2018, the Deutsche Kreditbank (DKB) announced that it would activate the Visa card for the use of Google Pay in spring 2019.

The savings banks and the Volksbanken announced that they will not make their cards available for Google Pay because they have launched their own apps. The 1822direkt , a direct bank subsidiary of the Frankfurter Sparkasse , wants to support Google Pay from "spring 2019".

Google Pay in Switzerland

Google Pay has been available with the following banks and financial service providers since April 30, 2019.

The use of PayPal is not activated in Switzerland.

Web links

Individual evidence

  1. ↑ Rafael Thiel: Android Pay: Sundar Pichai announces new payment platform. In: Giga.de . March 2, 2015, accessed September 25, 2018 .
  2. ↑ a b tap. Pay. Next. In: Official Android Blog. December 15, 2015, accessed September 25, 2018 .
  3. ↑ a b Android Pay is to come to Google I / O and also be integrated into Google Wallet. In: Caschy's blog . February 26, 2015, accessed September 25, 2018 .
  4. ↑ Ron Amadeo: Google Wallet refuses to die, transforms into a money sending app. September 10, 2015, accessed April 9, 2019 (American English).
  5. ↑ Set up Google Pay - Android device - Google Pay Help. Retrieved April 9, 2019 .
  6. ↑ a b c Google introduces the payment service Android Pay. In: mobiFlip. May 28, 2015, accessed September 25, 2018 .
  7. ↑ Tap. Pay. Next.
  8. ↑ Bringing it all together with Google Pay In: blog.google, January 8, 2018, accessed on January 9, 2018.
  9. ↑ Say hello to a better way to pay, by Google In: blog.google, February 20, 2018, accessed March 11, 2018.
  10. ↑ New financial power: Google receives e-money license . In: handelszeitung.ch ; accessed on January 22, 2019
  11. ↑ Pali Bhat: Android Pay now in the UK, new countries on the way. In: Google Blog. May 18, 2016, accessed on August 16, 2017 .
  12. ↑ Pali Bhat: Tap. Pay. Islandwide: Android Pay arrives in Singapore. In: Google Blog. June 27, 2016, accessed on August 16, 2017 .
  13. ↑ Pali Bhat: Tap. Pay. Down under. In: Google Blog. December 16, 2015, accessed on August 16, 2017 .
  14. ↑ Pali Bhat: Android Pay says “Nei hou” to Hong Kong. In: Google Blog. October 19, 2016, accessed on August 16, 2017 .
  15. ↑ Pali Bhat: Android Pay says Cześć to Poland. In: Google Blog. November 17, 2016, accessed on August 16, 2017 .
  16. ↑ Pali Bhat: Android Pay says Kia Ora. In: Google Blog. November 30, 2016, accessed August 16, 2017 .
  17. ↑ Pali Bhat: Android Pay Comes to Ireland. In: Google Blog. December 7, 2016, accessed on August 16, 2017 .
  18. ↑ Pali Bhat: Android Pay says “hajimemashite”. In: Google Blog. December 12, 2016, accessed August 16, 2017 .
  19. ^ Pali Bhat: Belgium, Meet Android Pay. In: Google Blog. March 7, 2017, accessed August 16, 2017 .
  20. ↑ Pali Bhat: Android Pay says "Привет" to Russia. In: Google Blog. May 23, 2017, accessed on August 16, 2017 .
  21. ↑ Pali Bhat: Hey Canada, get tappin 'this spring with Android Pay. In: Google Blog. May 31, 2017, accessed on August 16, 2017 .
  22. ↑ Pali Bhat: Android Pay says “Nǐ Hǎo” to Taiwan. In: Google Blog. June 1, 2017, accessed August 16, 2017 .
  23. ↑ Pali Bhat: Android Pay says “hola” to Spain. In: Google Blog. July 26, 2017, accessed August 16, 2017 .
  24. ↑ a b c Pali Bhat: Android Pay goes local in Ukraine, Czech Republic, Brazil and Slovakia. In: Google Blog. November 14, 2017, accessed November 14, 2017 .
  25. ↑ Petit Press as: Slovakia becomes first to use Google Pay . In: spectator.sme.sk . ( sme.sk [accessed September 25, 2018]).
  26. ↑ Christian Schiffer: Google Pay starts in Germany. (No longer available online.) In: br.de. June 26, 2018, archived from the original on June 27, 2018 .;
  27. ↑ heise online: Google Pay starts in Germany: Pay with the Android mobile phone. Retrieved September 25, 2018 (German).
  28. ↑ PC chip. Retrieved September 25, 2018 (Croatian).
  29. ↑ Google Pay is now available in Croatia. In: Android Police. August 1, 2018, accessed September 25, 2018 .
  30. ↑ Google for India: Digital payment app Tez has now been renamed as Google Pay Technology News, Firstpost. August 28, 2018, accessed February 6, 2019 .
  31. ↑ Google Pay arrives in Italy, supports 7 banks. In: Android Police. September 19, 2018, accessed September 25, 2018 .
  32. ↑ Google Pay oggi in Italia. Come funziona e con che banche. September 19, 2018, accessed September 25, 2018 (Italian).
  33. ^ Google Pay comes to Denmark . October 30, 2018 ( thelocal.dk [accessed November 1, 2018]).
  34. ↑ a b c d Google Pay launches in Denmark, Finland, Norway, and Sweden. In: Android Police. October 30, 2018, accessed November 1, 2018 .
  35. ↑ Google Pay now available in UAE . In: ArabianBusiness . November 14, 2018 (English, arabianbusiness.com [accessed November 21, 2018]).
  36. ^ Kyle Bradshaw: Google Pay is now available in France, w / initial support from 6 banks and card companies. In: 9to5google.com. December 10, 2018, accessed December 11, 2018 .
  37. ↑ Google Pay is now available in Switzerland. In: Techgarage. Techgarage, April 30, 2019, accessed April 30, 2019 .
  38. ↑ Android Pay to Debut in August in Korea . In: 비즈니스 코리아 - BusinessKorea . June 13, 2017 ( businesskorea.co.kr [accessed September 25, 2018]).
  39. ↑ Google introduces Android Pay. In: Zeit Online . May 28, 2015, accessed September 25, 2018 .
  40. ^ How payments work. Retrieved May 7, 2019 .
  41. ↑ Locate, lock or erase a lost Android device. Retrieved May 7, 2019 .
  42. ↑ Google Play Gets Fingerprint Payment Authentication for Android 6.0. Retrieved April 9, 2019 .
  43. ↑ Cashy: Google Pay: Advanzia Bank starts with mobile payment. In: Casy's blog. April 23, 2020, accessed April 27, 2020 .
  44. ↑ Daniel Pöhler: How payments with the mobile phone work - and who offers it. In: Süddeutsche Zeitung. October 25, 2018. Retrieved November 29, 2018 .
  45. ↑ Germany - Google Pay Help. Retrieved April 9, 2019 .
  46. ↑ Google Pay on Wear OS works in Germany. In: Android Police. September 3, 2018, accessed September 25, 2018 .
  47. ↑ Mobile payment: PayPal customers in Germany with Android mobile phones can now use Google Pay . In: Handelsblatt . October 10, 2018 ( handelsblatt.com [accessed October 15, 2018]).
  48. ↑ Payment by smartphone: DKB will start with Google Pay in spring 2019. In: dkb.de. November 29, 2018, accessed December 11, 2018 .
  49. ↑ Mobile payment: This is the savings banks' answer to Google Pay. Retrieved January 16, 2019 .
  50. ↑ Google Pay is now available in Switzerland. In: Techgarage. April 30, 2019, accessed on April 30, 2019 (Swiss Standard German).
  51. ↑ Credit Suisse Mobile Payment. August 1, 2020, accessed August 1, 2020 .
  52. ↑ Mobile Payment at UBS Switzerland AG. August 1, 2020, accessed August 1, 2020 .
  53. ↑ Mobile payment at Zürcher Kantonalbank. August 1, 2020, accessed August 1, 2020 .
  54. ↑ First Swiss retail bank hugs Google. In: finews.ch . May 21, 2019, accessed May 21, 2019 .