Google has announced that a Google Pay app is coming to Australia, set to replace Android Pay as a simple app update, although at time of publication, the link to the Google Pay app still shows up as Android Pay.
Before we get to Google's official blog post on the matter, Google has a support document explaining what Google Pay is.
The company says, in answer to the question "What is Google Pay?", that it is "working to bring together all the ways to pay, like Google Wallet and Android Pay into a single brand: Google Pay. You’ll start to see the Google Pay logo when you buy Google products, like a photo album on Google Photos or digital content on Google Play".
Therefore, "if you’re already using Android Pay, you don’t need to do anything to get started with Google Pay".
Google further explains that "Google Pay is much more than an app", and that "it’s a way to easily pay in stores, on the web, and in apps without having to get your card from your wallet. You can also use it to keep your gift cards, loyalty cards, tickets and coupons when you shop at your favourite stores".
So, what do Google's Gerardo Capiel, product management director, Consumer Payments, and Varouj Chitilian, engineering director, Consumer Payments, have to say in their blog post, "More than just a way to pay: the new Google Pay app arrives Down Under"?
Both gents start off by stating you get "Fast, simple checkout. Easy access to rewards and offers. One spot for purchases, passes, and payment methods".
"All of these are ways we’ve been working to make paying safer and easier for everyone, everywhere. And you can make the most of these features with the new Google Pay app for Android.
"The app, which begins rolling out today, is just one part of everything we’ve got planned. We’re currently working on bringing Google Pay to all Google products, so whether you’re shopping on Chrome or with your Assistant, you’ll have a consistent checkout experience using the cards saved to your Google Account.
"We’re also working with partners online and in stores, so you’ll see Google Pay on sites, in apps, and at your favourite places around the world.
"As we continue to expand to even more devices and services, the new app offers an exciting glimpse of what’s to come."
We're then given "a closer look" into the various things that the Google Pay app allows you to achieve, with the text below from the blog post:
Helpful info while you shop
"Google Pay’s new 'Home' tab gives you the info you need, right when you need it. See your recent purchases, find nearby stores, and enjoy easy access to rewards."
A new spot for your stuff
"The 'Cards' tab is an easy way to keep everything you need at checkout organized and at the ready. From credit and debit cards to loyalty programs, offers, and even that stack of gift cards from last year’s birthday, you’ll never miss a chance to save with Google Pay."
A faster way to pay your fare in London (and others soon)
"Use Google Pay on transit when you travel in London (with more cities soon), and stop worrying about your pass once and for all. Now all you need at the turnstile is the device that’s already in your hand."
Google security and encryption
"Like all Google products, Google Pay comes with strong security protections at its core to safeguard your account and personal data from security threats. In other words, it’s got your back."
All your favourite features
"Longtime Android Pay fans, fear not: the features you love aren’t going away. You’ll still get all your bank’s perks and protections, plus an extra layer of security, since Google Pay doesn’t share your actual card number when you pay in stores. And those online forms that take forever to fill out? Just choose Google Pay at checkout and pay with a few quick clicks instead.
"We’ll continuously be working to bring you new features in the app. For instance, if you live in the US or the UK, you’ll be able to use it to send and request money within the next few months. In the meantime, the Wallet app is now called Google Pay Send, and we’ve given it a fresh coat of paint to go with the Google Pay brand.
"And if you’re a developer or business owner interested in accepting Google Pay, you’ll find all the tools you need on our developer site — or you can work with Shopify to make integration even easier.
"To use Google Pay you’ll need to download the Google Pay app on Google Play, and have an eligible Mastercard, Visa, American Express or eftpos card from one of more than 50 supported banks and credit unions including ANZ, Commonwealth Bank of Australia and Westpac. More banks are being added all the time."
If you're ready to try Google's Google Pay app, the company gives us this link. Note that at time of publication, the app still comes up as "Android Pay" but that the app will update itself to Google Pay, presumably in the very near future.
Here's the short list of major banks offering Google Pay in some form, with the full list of specific cards and accounts you'll need with the financial institutions below to take advantage of Google Pay listed here.
- Macquarie Bank
- Bendigo Bank
- ING Direct
- Commonwealth Bank of Australia
Here's the list of all the other Australian financial institutions that offer Google Pay:
- Australian Unity
- Bank Australia
- Bank Of Sydney
- Beyond Bank Australia
- Big Sky Building Society Limited
- CAPE Credit Union Limited
- Catalyst Money
- Central Murray Credit Union Ltd
- Central West Credit Union Limited
- Community First Credit Union
- Credit Union Australia Ltd.
- Credit Union SA Ltd
- Defence Bank Limited
- Family First Credit Union Limited
- Firefighters Mutual Bank
- First Option Credit Union
- Ford Co-operative Credit Society (Single-branded eftpos cards only)
- Goldfields Money
- Goulburn Murray Credit Union Co-Op Limited
- Holiday Coast Credit Union Ltd
- Horizon Credit Union Ltd
- Illawarra Credit Union
- Intech Credit Union Limited
- Laboratories Credit Union Limited
- Maritime, Mining & Power Credit Union Ltd
- Mystate Bank Limited
- The Rock
- Nexus Mutual
- Northern Beaches Credit Union
- Northern Inland Credit Union Limited
- People's Choice Credit Union Ltd
- P & N Bank
- Police Bank Limited
- Police Credit Union
- QT Mutual Bank Limited
- Queenslanders Credit Union Limited
- Reliance Bank
- Select ENCOMPASS Credit Union Limited
- South West Slopes Credit Union Ltd
- Sydney Credit Union Ltd
- Teachers Mutual Bank Limited
- The Mac
- WAW Credit Union Co-Operative Limited
- Woolworths Employees' Credit Union Limited
- Wyong Shire Credit Union Limited