Google Pay uses the EMV Payment Tokenization Specification. The service has smart-authentication, allowing the system to detect when the device is considered secure (for instance if unlocked in the last five minutes) and challenge if necessary for unlock information. To pay at points of sale, users hold their authenticated device to the point of sale system. Users can add payment cards to the service by taking a photo of the card, or by entering the card information manually. Google Pay requires that a screen lock be set on the phone or watch. Instead, it generates a virtual account number representing the user's account information. When the user makes a payment to a merchant, Google Pay does not send the actual payment card number. The service lets Android devices wirelessly communicate with point of sale systems using a near field communication (NFC) antenna and host-based card emulation (HCE). It is similar to contactless payments already used in many countries, with the addition of two-factor authentication. It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in Google Wallet.
Google's been getting better about more countries lately, but it's a long and tedious process like anything related to finance.Google Pay uses near-field communication (NFC) to transmit card information facilitating funds transfer to the retailer. There are currently 57 countries where you can Google Pay on Wear OS: Countries that support Google Wallet on Wear OS I'm hopeful that Google Wallet for Wear OS will upgrade to support these things eventually - Apple Pay handles them easily - but at least we can pay with our wrist without having to dig out our phone every time. You can currently use debit and credit cards on Google Wallet on Wear OS, but you cannot use them for things like boarding passes, public transit cards, or my Walt Disney World annual pass. While I wish that every card you put in Google Wallet could be used on your wrist, that's sadly not the case. What cards can Google Wallet on Wear OS use? However, unlike Samsung Pay, Google Wallet doesn't get a dedicated button to press to open it, so if you want to access it more easily, set Google Wallet as the double-click shortcut, so that even if the screen's off or you're in another app, Google Wallet is always just a click-click away. You're now all set, and the card will be added to the watch.
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