Google Pay Rules

Last week we looked at the rules for Apple Pay so this week it’s time for Google Pay.

Google Pay actually comes from the merger of Android Pay and Google Wallet, and will be available to most people using a smartphone that runs the Android operating system. Therefore it is available on a larger variety of phones than Apple Pay.

In terms of the features of Google Pay, they are very similar to what is offered by Apple Pay including:

  • Making contactless payments over £30.
  • Security. Card details are encrypted and never shared with retailers.
  • You still get all the protections that come with using a credit card e.g. section 75.

If you’re a fan of Google’s Chrome browser then you can link your Google Pay account with your browser and use it to buy things online without using your phone.

The Key Differences between Google Pay and Apple Pay

Whilst pretty much doing the same thing, there a few differences that you may want to consider if you haven’t yet decided on whether to go down the Apple or Google/Android route for your next smartphone.

#1 – Apple Pay is available in more countries.

This could be useful to know if you do a lot of travelling.

Here’s Apple’s list of countries and here’s Google’s list of countries.

#2 – You can use your password with Google Pay

When making a payment using Google Pay you can still use your password to unlock the payment. Handy if you are someone who doesn’t like the fingerprint scanner on your phone or you want someone else to pay with your account on your behalf.

Apple Pay only works with fingerprint or facial recognition.

#3 – You can add gift cards to your Google Pay account.

Then pay with these cards.

This can’t be done with Apple Pay.

#4 – Paying friends is easier with Google Pay

Whilst only available in the US at present, Google Pay allows you to send and receive money with your friends with just their phone number across either an Apple or an Android phone. Whereas Apple Pay only works with other Apple devices.

Google Pay vs Apple Pay, who do you prefer and why? Please share your thoughts in the comments section below.

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