What it replaces: Cash, credit cards, loyalty cards and coupons
Google Wallet gives you the ability to make purchases in stores and online, as well as withdraw cash from ATMs with your phone or a card.
By attaching your credit cards, debit cards and bank account to the platform, you can make direct payments with whichever sources you want through Google Wallet. You can also keep a balance on Google Wallet.
For everything else, just scan the card, and it becomes a scannable bar code in the app.
And with Google Wallet, you’ll never have to worry about coupon clutter: You can access offers from sites like Valpak and redeem the offers in-app.
How to make use of it?
Users can now add any debit or credit card to their Google Wallet account, and use it to make purchases with their NFC equipped Android device.
The update takes all of the private payment information off of your device, and places it on Google’s secure servers. Google Wallet can then use any card you have added to your Google Wallet account online, or on the device to make a purchase. It bypasses the MasterCard requirement by creating a virtual MasterCard number, in place of your actual credit or debit card number when you make a purchase. Therefore, your actual card number is never passed on to the merchant.
To add a Visa, Discover, or American Express card to the Google Wallet app, make sure you are running the latest version of the app from the Play Store.
You can add any type of card by selecting the add a credit or debit card icon. Fill out the required information and tap on next when you are done.
If you’d rather add a card online, visit https://wallet.google.com/manage on your computer. After logging in, select Payment Methods and then the Add Card or Account button at the top.
Once a card is added online, the next time you launch the Google Wallet app on your device, the card will show up. You can customize the look and name of the card by tapping on it, then tapping on the menu icon and edit card.
If you want to set a particular card as your default payment method, tap on the “Select card” button below the card. Once it’s set as the default payment, you will see the a green icon appear next to it and the text on the button will read “Selected card.” This is the card that will be used when you pay via NFC using the app on your phone.
One more feature added today was the ability to disable Google Wallet on any device. This is an important security feature should you lose or misplace a device and want to prevent unauthorized access to your Google Wallet account. You can disable a device by from your wallet online and viewing the devices section.
Note: Once you are making payment in store, just switch on your NFC and tap on payment terminal.
Security and Privacy
Google Wallet includes several security features designed to provide peace of mind, some of which are behind the scenes and some that you control. To prevent others from using your Android phone as a wallet, Google Wallet uses a PIN number that you must enter at timed intervals. Under Settings you can set the PIN timer to 1 minute, 5 minutes, 15 minutes, or 30 minutes.
The Google Wallet Card is strange. It’s a physical card for an app that was supposed to digitize your wallet.
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