5 reasons Google Wallet Vs Android Pay Comparison Reviews is the new Kickstarter

Google wallet vs Android pay

Google Wallet Vs Android Pay Comparison Reviews

In this world, Online payment system plays an important role in financial transactions. In this article, I have compared the two payment systems and let’s see the features of Google Wallet Vs Android Pay.

Google Wallet

Google Wallet is a peer-to-peer payments service developed by Google that allows people to send and receive money from a mobile device or desktop computer.Google Wallet account must be linked to an existing debit card or bank account in the United States.It can be used through the Google Wallet app, Gmail, and the Google Wallet Card. The app is available for Android devices running Android 4.0 and above, and for iOS devices running iOS 7.0 and above. Google Wallet also had NFC payment facilities until the creation of Android Pay.

The physical Google Wallet Card is used to withdraw cash at ATMs with no Google-associated fee and could be used like a debit card for virtually any purpose, including such things as renting a car. It was discontinued on June 30, 2016. Let’s see the comparison of Google wallet Vs Android pay.

google wallet vs android pay

Android Pay

It is a digital wallet platform developed by Google to power in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets or watches.It uses near field communication (NFC) to transmit card information facilitating funds transfer to the retailer. It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in the Android Pay wallet.The service lets Android devices wirelessly communicate with the point of sale systems using a near field communication (NFC) antenna, Host-based card emulation (HCE), and Android’s security.

Android Pay takes advantage of physical security such as fingerprint ID where available. On devices without fingerprint ID, Android Pay is activated with a passcode. When the user makes a payment to a merchant, Android Pay does not send the credit or debit card number with the payment. Instead, it generates a virtual account number representing the user’s account information.

google wallet vs android pay

Users can add payment cards to the service by taking a photo of the card, or by entering the card information manually. To pay at points of sale, users hold their authenticated device to the point of sale system. The service has smart-authentication, allowing the system to detect when the device is considered secure (for instance if unlocked in the last 5-minutes) and challenge if necessary for unlock information.


How to Setup and Use Android Pay

To make in-store payments, your phone also needs to support NFC (Near Field Communication) and HCE (Host Card Emulation). To check for NFC, look for it in your phone’s Settings app. E-Money users in Japan require a Osaifu-Ketai compatible device (but do not require HCE).

Download Android Pay

To set up Android Pay:

  1. Open your phone’s Settings app and make sure NFC is turned on.
  2. Open the app and follow the setup instructions.
    • You may need to set up a PIN, pattern, password, or fingerprint screen lock.

After you get set up check the below steps to add the card to the Android pay

Add a Payment Method

To add a card to your Android phone:

  1. Open the Android Pay app.
    • If you have multiple Google Accounts in Android Pay: At the top left of the app, touch your name, then choose the account you want to add a card to.
  2. At the bottom right, tap +.
  3. Tap Add a credit or debit card.
  4. Use the camera to capture your card info or enter it yourself.
  5. If you’re asked to verify your card, choose a verification method from the list.
  6. Find and enter the verification code.


How to Setup and Use Google Wallet

  1. Get the Wallet app (The US only).
  1. Sign in with your Google Account.

Read more: Top 10 Best Mobile Wallet App for Android

Add, update, or delete a debit card

Add a card

  1. Open the Wallet app or visit wallet.google.com.
  2. Tap or click Menu > Payment methods.
  3. At the bottom, tap or click Add payment method.
  4. Enter your card details.
    • On your mobile device: To capture your card info, you can also tap.
  5. Tap or click Save.

Update or delete a card

  1. Open the Wallet app or visit wallet.google.com.
  2. Tap or click Menu > Payment methods.
  3. Choose a card you’d like to change.
    • To edit a card: Tap or click Edit. After you’ve made your changes, tap or click Save.
    • To delete a card: Tap or click Remove.

Add or update a bank account


  1. Open the Wallet app or visit wallet.google.com.
  2. Tap or click Menu > Payment methods.
  3. At the bottom, tap or click Add payment method.
  4. Enter the routeing and account numbers for your bank account. You can find this information on a check or by contacting your bank.
  5. Tap or click Next.
  6. If your bank offers instant verification, you’ll be asked to sign into your bank account. If your bank doesn’t offer instant verification or you choose test deposit:
    • Google will make a small deposit in your bank account, which you should see after 2-3 days.
    • To verify your bank information, confirm the deposit amount in your Google Wallet.

Update a bank account

To update a bank account, you’ll need to remove the linked bank account and re-add it with the new details.

Set a default payment method

When you set a default payment method, any money received will be automatically transferred to that payment method. You can change the default payment method anytime.

To set a default payment method:

  1. Open the Wallet app or visit wallet.google.com.
  2. Tap or click Menu > Payment methods.
  3. Next to the payment method you want to make default, tap or click the down arrow > Default.
    • If you ever remove your default payment method from Wallet, you’ll need to set a new default method before you can claim money again.

Google Wallet Vs Android Pay Comparison

Let’s see some comparison of Google Wallet vs Android pay.

Android Pay

It is based on the tap-to-pay system. If one has to do any transaction, one can simply unlock his or her phone, place it near a contactless terminal at store or shop. The transaction would be done by a virtual account number instead of a real account number for security reasons. No need of a secure pin etc. or to open an app. One doesn’t have to panic if the phone is lost, he or she can lock it through Android Device Manager from anywhere.

Google Wallet

It is a peer-to-peer system. The account information is linked with Google Wallet. If one has to do any transaction, one has to open the app of merchant and put the pin generated by Google Wallet. One can also add money to the Google Wallet. Also, one can send or receive money through e-mails (even if the receiver doesn’t have Google Wallet installed).

While not that many people will actually use the Wallet Card, it may be a great choice for a young child who needs a physical card to use but also needs to also have spending limits and can’t have a bank account. It’s also a great secondary card to keep around if you need to use it as a backup in case of emergencies. For daily use, though, far more people are likely to use the Google Wallet app for sending and receiving money. With a painless funding system, easy-to-use interface and absolutely no fear of fees, it’s a much better experience than anything else out there right now.

Hi myself Muthukrishnan. My Profession is Technical writing and doing blogging as passion. I love to explore new trends in Technologies and write articles about Recent Technologies..

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