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How to Use Google Pay | Everything You Need to Know

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Google just made online payments a whole lot easier. In February, the company announced it’s combining all of its different payment methods into one unified branding, called Google Pay. The Android Pay app is now being rebranded to Google Pay, and the Google Wallet app is now called Google Pay Send. Eventually, the Google Pay app will also have peer-to-peer transactions, allowing users to send and receive money.

Here is everything you need to know about Google Pay, including the places and banks that support it.

Support in the U.S.

All four major banks in the U.S. support Google Pay — that’s Chase Bank, Wells Fargo, Citibank, and Bank of America. Chase Bank grossly lagged behind the rest of the major U.S. banks, but as of September 2016, it has finally added support for Google Pay. Of course, plenty of other banks are also lagging behind, but now the likes of BMO Harris have finally added support for the service.

Earlier this year, Bank of America announced that it would install NFC-enabled ATMs around the country which allow you to access your bank account to withdraw cash by tapping your phone. Now, clients with the Bank of America can set up Google Pay within the banking app without having to install Google’s app. The feature is currently only available with Bank of America but we expect to see a wider roll out in the future.

Other U.S. institutions, integrations

The latest new feature to come to Google Pay is support for the Las Vegas Monorail. According to Google, the new feature will allow users to buy tickets online through the Monorail site, then save them to Google Pay. Then, to get on the train simply wave the phone near the fare gate. Easy. You’ll also be able to see your recent trips, and get directions to the nearest Monorail station. Google says the feature will be rolling out to more public transportation services soon, but for now it’s limited to the Las Vegas Monorail.

In October 2017, Google announced support for 16 new banks and credit unions, including Chevron Federal Credit Union, Hawthorn Bank, Peoples Bank, Progressive Savings Bank, and Washington Financial Bank. That’s on the heels of the 71 new institutions that joined the platform this past summer, including 1st Constitution Bank, Central State Bank, and more. If your bank or credit union didn’t already support Google Pay, it may well now.

You can check out the full list of supported banks and credit unions for yourself here.

And before that, Google added 46 new banks to its roster, but they are names many will not recognize, except for Fifth Third Bank. Some of the others, according to Android Police, include the Alaska USA Federal Credit Union, Greenfield Banking Company, and the Peoples Federal Credit Union.

Most banks that already support Apple Pay will back Google’s service since both use similar NFC technology for payments — other top institutions include PNC, Capital One, TD Bank, HSBC, American Express, Ally Bank, and United Services Automobile Association.

In mid-December 2016, Google added support for 31 additional rural banks and credit unions across the contiguous United States. They include Allegacy Federal Credit Union, the Bank of Walterboro, Canyon State Credit Union, First Piedmont Federal Savings, Jackson Community Federal Credit Union, Northeast Georgia Bank, San Francisco FCU, USC Credit Union, Verve, and Washington Trust Bank.

The expanded support comes on the heels of 19 additions earlier in December 2016. These include 1st Advantage Federal Credit Union, ACU of Texas, Alpine Credit Union, Alternatives FCU, Bank of the Ozarks, Union State Bank of Fargo, and Valley Federal Credit Union.

MasterCard, Visa, American Express, and Discover support Android Pay. Sites that support Visa Checkout and Masterpass can handle Android Pay as well, thanks to a strategic partnership. You can use your fingerprint to confirm payments, and Visa Checkout and Masterpass customers can link their accounts to Android Pay as well.

Mobile banking app integration

Google Pay is now integrating with several banking apps around the world to make it a little easier to use Google Pay. Now, many customers will be able to add cards to Google Pay from their mobile banking apps at the tap of a button. At the launch of the new feature, there are a few banks that are supported, including Bank of America, Discover, Bank of New Zealand, mBank, and USAA.

In-App and mobile web purchases

android pay vendors

Although you’ll probably use Google Pay mostly in shops, it will also let you make in-app purchases. When you’re about to purchase something in an app that supports the service, you’ll see a button that will allow you to pay using Google Pay, eliminating the need to get your wallet and pull out your credit or debit card. At the moment, Google has listed more than a dozen apps that support in-app purchases with Google Pay including Lyft, OpenTable, Hotel Tonight, Instacart, and Etsy. Most recently, more companies have signed on with Google Pay, at its launch, such as Airbnb, HungryHouse, Fandango, and Dice.

If you make purchases via the Chrome Browser app on your phone, you’re in luck. Google is adding support for Google Pay for certain sites, making the checkout process less of a hassle. It currently works with a handful of sites such as Groupon and 1-800-Flowers. The integration with Visa Checkout and Masterpass is sure to boost the number of sites that support Google Pay as well.

“Just like in stores and in apps, Google Pay does not share actual account numbers with merchants, so users can shop online with confidence, knowing that Google Pay keeps their card number secure,” according to the Android blog.

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