Google Pay FAQs

General Information

  1. What is Google Pay?

    Google Pay is the simple and secure way to use your Android® phone to pay in stores, in apps and on websites. You can even use it to pay your friends.

    Open the app on your device, add your credit or debit cards, and you're all set. If you don't see the app on your device, you can download Google Pay from the Google Play Store™.

    With Google Pay, you can:

    • Use most major credit and debit cards
    • Store your gift cards, loyalty cards, and offers
    • Pay securely because Google Pay never shares your credit or debit card numbers with merchants
    • Pay faster in stores - Simply unlock your phone and tap anywhere NFC payments are accepted to pay for in-store purchases
    • Checkout faster online by clicking Pay with Google Pay anywhere you see the Google Pay or GPay button
    • Get a comprehensive view of your purchase history that includes the merchant's name, location and phone number
  2. How much does Google Pay cost?

    The Google Pay app is free. However, downloading and using the app when not connected to a Wi-Fi network will deduct usage from your data allowance.

    If you're concerned about data overages, consider an unlimited plan or using Safety Mode on the new Verizon Plan.

  3. Will my phone work with Google Pay?

    To use the Google Pay app, you need:

    Note: If you have used Google Wallet™ or Android Pay™ before, those apps should upgrade to Google Pay when you accept the prompt to update the app.

  4. Where can I use Google Pay?

    You can pay with your compatible Android phone at millions of locations across the US, wherever you see one of these symbols:


    You can also tap to gain access to mass transit at select locations, including the Las Vegas Monorail and hop fastpass in Portland. Plus, you can pay with Google Pay on many apps and websites, wherever you see a Google Pay button:

  5. Which credit and debit cards can I use with Google Pay?

    You can use most major credit, debit and prepaid cards, as well as PayPal®, with Google Pay. Refer to the Google Pay website for more information.

  6. What happens if my phone is lost or stolen, and I use Google Pay?

    Android Device Manager will help you find, lock, and erase your phone. Also, you can enter "Find my phone" on and it will show you where it is on a map. Since your payment information is never stored on the phone, there's no need to cancel your card.

    Visit the How to Find Your Phone page to learn more.

  7. How secure is Google Pay?

    Your name and full card details are never shown in the app and never shared with the store because of the unique virtual account number used to share your payment information. Google stores your payment information on secure servers and encrypts it with industry-standard SSL (secure socket layer) technology. If your phone is ever lost or stolen you can easily find, lock, and erase your phone using Android Device Manager. Visit the How to Find Your Phone page to learn more.

    Additionally, to use Google Pay, you'll be required to set up a screen lock which can be a PIN, password or pattern.

  8. What is the virtual account number for Google Pay?

    Your credit and debit card information are assigned a unique virtual account number that's used at checkout, so your full card details are never shared with the store. It's like a digital stand-in for your payment information.

Using Google Pay

  1. How do I set up and add a card to Google Pay?

    If you already have a card linked to your Google account, you can simply add that card to the Google Pay app by confirming a few details. Otherwise, you can add a new card.

    To add a card to Google Pay:

    1. Open the Google Pay app on your phone.

      Note: : If you don't see the app on your phone, you can download Google Pay from the Google Play Store.

    2. Tap Get started or tap the Plus Sign icon.

    3. Tap Add a card.

    4. If prompted, select whether you want to add the existing card on your Google account or add a new card, and tap Continue.

    5. Position the card you want to add in the window. The app will take a photo of the card to read its information.

      Note: If you're having difficulty with this function, tap Enter details manually to enter your card's information.

    6. Enter the requested information, including the CVC code on the back of the card.

    7. Tap Save.

    8. Review the Terms & Conditions and tap Accept.

    9. If you don't already have a screen lock set up, you'll be prompted to set one up. Tap Set it up, and follow the onscreen prompts to set up your screen lock.

      Note: To use Google Pay, you must use a screen lock to help protect your information. If you disable or remove your screen lock, you'll receive a warning that all of your cards will automatically be removed from the app to protect your information.

    You've successfully added a card to Google Pay.

  2. How do I use Google Pay in stores?

    To pay with Google Pay in stores:

    1. Unlock your phone.

      Note: You don't need to open the Google Pay app.

    2. Hold the back of your phone against the contactless payment terminal.

    3. Your phone will beep or vibrate, a check mark will display on the screen, and you'll see a confirmation to show your payment was made.

    You've successfully made an in-store payment with Google Pay.

  3. How do I use Google Pay to make in-app or online purchases?

    In apps and online, including all Google properties like YouTube™ and Google Play, look for the "Buy with Google Pay" button at checkout. Tap it and follow the prompts to complete your payment.

  4. I have multiple payment cards in my Google Pay wallet. How will one be chosen when I buy something?

    The first payment card added to your Google Pay account is your default payment card. This is the card that will be charged whenever you purchase something with Google Pay. You can also choose between different cards that you have stored in the app and/or change your default card at any time.

  5. How do I change my default payment card in Google Pay?

    To change your default payment card in Google Pay:

    1. Touch and hold the card you’d like to use as your default payment card.
    2. Drag it to the top of your card stack and release it.

    You've successfully changed the default payment card in Google Pay.

  6. How do I find my virtual account number for Google Pay?

    You'll need your virtual account number if you'd like to return an item purchased with Google Pay.

    To view your virtual account number, go to Card details or Transaction details in the app. Refer to the Google Pay website for more help.

  7. How do I return an item purchased with Google Pay?

    You'll use the virtual account number assigned to your card to process a return.

    To view the last four or five digits of the virtual account number, go to Card details or Transaction details in the app. Or if you're at the store processing a return, select the card you used to make the purchase and hold your phone near the contactless terminal. It should read your card's information, so the return can be processed by the merchant.

  8. I bought something with Google Pay. Why is the charge amount on my receipt higher than the actual purchase amount?

    Certain merchants like gas stations, hotels and car rentals obtain authorization for an estimated purchase amount. This charge amount may be larger than the actual amount of your purchase and will be withheld until the transaction clears. Contact your issuer or check your monthly statement to verify transactions.

  9. If asked whether to use credit or debit when making a payment with Google Pay, which should I choose?

    For the best experience with Google Pay we recommend you select credit.

  10. If I use Google Pay, will I continue to receive the benefits and rewards from my credit and debit card companies?

    With cards from participating issuers you'll continue to receive all the security, benefits and rewards with Google Pay as you do with your physical card.


  1. I was at a store with the NFC symbol but Google Pay didn't work. Why?

    Google Pay works at millions of stores across the United States and all over the world. There are, however, some stores that accept contactless payments but don't accept Google Pay. In this case, please use your physical debit or credit card to pay for your items.

  2. What should I do if I'm having difficulty adding a card to Google Pay?

    Your card issuer is standing by to help. Call the number on the back of your card.

  3. If I disable the phone lock, what happens to all the cards in my Google Pay app?

    If you ever remove or disable the screen lock on your phone, you'll receive a warning that all the cards will be removed from the app for your security. The phone lock is one of the primary ways your card information is kept safe.

  4. Google Pay and Android are trademarks of Google, Inc. Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.