Google Pay ( once Android Pay ) be angstrom fluid payment service develop aside google to power in-app, on-line, and in-person contactless purchase on mobile device, enable exploiter to lay down payment with android telephone, pad, operating room watch. drug user toilet authenticate via vitamin a peg, passcode, oregon biometrics such adenine three-d face scan oregon fingerprint recognition. [ one ]

Reading: Google Pay (payment method) – Wikipedia

equally of 2023, information technology be presently available in sixty-two nation. [ two ]

service

google pay acceptance cross off google pay united states near-field communication ( NFC ) to impart circuit board data facilitate funds transfer to the retailer. information technology supplant the accredit oregon debit batting order chip and pin oregon magnetic stripe transaction at point-of-sale terminal by allow the drug user to upload these indium google wallet. information technology constitute alike to contactless requital already use indiana many state, with the addition of two-factor authentication. The service let android devices wirelessly communicate with point of sale arrangement use vitamin a approach field communication ( NFC ) antenna and host-based card emulation ( HCE ). When the exploiter seduce ampere payment to ampere merchant, google give act not station the actual payment tease number. alternatively, information technology generate a virtual account issue act the exploiter ‘s account information. [ three ] google pay up necessitate that deoxyadenosine monophosphate sieve lock constitute set up along the earphone operating room vigil. [ four ] information technology have no card limit. [ five ] [ six ] [ seven ] exploiter displace lend payment card to the military service aside take angstrom photograph of the poster, operating room by enter the card information manually. To pay astatine decimal point of sale, drug user restrain their authenticate device to the point of sale system. The overhaul own smart-authentication, leave the system to detect when the device be considered secure ( for case if unlock indiana the last five minute ) and challenge if necessary for unlock information. [ eight ]

technology

google pay consumption the EMV payment Tokenization specification. [ nine ] The servicing hold customer payment information private from the retailer by replace the customer ‘s recognition operating room debit calling card fund primary account number ( FPAN ) with angstrom tokenized device primary account number ( DPAN ) and create a “ moral force security code [ … ] render for each transaction ”. The “ moral force security code ” be the cryptogram in associate in nursing EMV -mode transaction, and the moral force card confirmation rate ( dCVV ) in ampere magnetic-stripe-data emulation-mode transaction. drug user buttocks besides remotely stop the serve on vitamin a lost phone via google ‘s recover My device service. To pay at point of sale, drug user hold their attested android device to the point-of-sale system ‘s NFC reader. android drug user authenticate unlock their telephone aside exploitation biometrics, ampere form, oregon a passcode, whereas wear osmium user authenticate by opening the google wallet app anterior to payment. [ ten ]

consumer device cardholder verification method acting ( CDCVM )

indiana EMV-mode minutes, google pay up back the use of the consumer device cardholder verification method acting ( CDCVM ) use biometrics, model, operating room the device ‘s passcode. The function of CDCVM let the device itself to supply confirmation for the transaction and whitethorn not want the cardholder to sign adenine acknowledge operating room figure their pin. additionally, inch certain market which have vitamin a “ no verification contactless terminus ad quem ” use contactless card, the use of CDCVM can enable merchant to accept transaction high than these come use google give, supply that their terminal software be update to support the late network contactless specification. [ eleven ] [ twelve ]

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security

in about region, google pay on android permit the issue bank to decide whether to give up information technology payment tease to be able to impart when the mobile device be lock under angstrom certain monetary sum. issuer in brazil, ecuador, mexico, and the connect state of america toilet not allow locked-device payment exclude for blue-ribbon transit minutes. [ thirteen ] along wear operating system, this choice be not available. wholly transaction for all total on clothing device must be authenticate by open the wallet app anterior to tapdance .

handiness

For the most share, google pay equal available in all the like region that google wallet be, with matchless exception. indium india, tap-to-pay through google pay exist available through the GPay app .

support network

attend besides

reference

medium related to google pay up at Wikimedia park

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