The Google Pay CombinationĬombining Google Wallet and Android Pay creates a single platform that crosses the boundaries of devices to operate on the web, as well as via an app. Google's Host Card Emulation (HCE) model uses a cloud-based secure element which means that it becomes hardware agnostic, to the point where it can easily be ported to other operating systems. Unlike Apple Pay, where tokens are generated using the secure element in the phone, the open nature of Android makes it difficult to make assumptions about the available hardware. Android PayĪndroid Pay is essentially an application which uses the NFC chip in your phone to authorise a transaction. It's a service that is available for Android, iOS and Gmail.Įarlier versions of Google Wallet allowed customers to make transactions via near-field communication (NFC) technology, however, in September 2015 that technology was removed from Google wallet and added to a new service, Android Pay. Google Wallet also allows you to send money to other people without requiring them to set up a Google Wallet account. Features that Google highlights include no fees, a comparatively higher credit limit and wider acceptance. Launched in 2011, the Google Wallet service allows you to pay through your debit and credit card as well as your bank account. The two main components of Google Pay are Google Wallet and Android Pay. Google Pay recently launched in Australia bringing together all of Google payment services under the one brand.
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