Initial introduction
To know about Google Pay, there are four types: old GP, new GP, web version GP, Play version GP
Google’s data is basically interoperable, but the functions are slightly different. The credential for interoperability is “payment information”, and the payment information can be deleted and modified at any time. The bank accounts below refer to the local ACH-ABA bank accounts in the United States.
Old GPay
Not available for IOS, available for Android [This software is currently unavailable]
For cards, there is a card image (may require secondary verification), which can easily modify the card name. For eligible cards, it can have a virtual card number (invisible) similar to ApplePay, and supports NFC. This APP is mainly for ApplePay. Bank cards can only be added from this APP
New GPay
IOS and Android have
Note: The Apple Store named “GPAY” (Grameenphone Limited) is not Google’s GP
The APP is mainly used by users in the United States, Singapore, and India . It has built-in functions such as GoogleBalance, PlaidTrack, and TransferMoney, and supports P2P transfers for GP users (only bank, balance, and US debit cards are available, and credit cards/non-US cards/prepaid cards are not supported) , support bank account and debit card transfers, credit card payments
As for NFC, at least it is not supported on IOS, and it is not clear on Android. The APP is mainly aimed at spending management platforms such as AppleCash and Sofi. It can add bank cards and add bank accounts with Plaid, but the card surface is basically invisible.
The main difference from AppleCash is that AppleCash is basically a non-UnionPay debit card that swipes Apple Wallet by itself (I don’t know if non-US cards are acceptable) to recharge, while GP relies on receiving money (you can use other people’s debit cards, but non-US cards should not)) or Pull the money from the bank account (slow) but the bank account does not require the same name .
If the app is not a real name, there is no problem using NFC, but the collection and payment will be partially restricted (GPay’s P2P Cash function) [Small amount may be fine]
Refer to Apple Cash & Google Pay (Balance) account opening notes for real name
Web and Play GP
This should be relatively easy to use. You can connect to PP, use bank username and password or small amount verification to connect to bank accounts, and you can connect to bank cards. The function called in the Play Store is basically the same as this function (but the Play Store can also exchange Google gifts. Card and recharge Play balance, but cannot add bank account) The overall management of the web version is convenient and not stuck, there are few bugs, but unfortunately the card face cannot be displayed, and the bank account is very, very messy
Google Pay web payments can be made using browsers such as Chrome for Android and Windows.
summary
The payment information and data of the four are interoperable, so if you want to verify a small amount and add a bank account, you need to use the web version. If you add PP, you can use the web version and the Play Store version. Adding a bank card is basically optional.
other payment systems
Google uses an independent payment system for subscriptions such as Google Workspace, and supports a lot less card types. For example, GWS does not support prepaid cards, Discover cards, etc.
Some other applications also call the shared payment information, such as Google adsense
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