Google Wallet is a free digital wallet that securely stores your credit cards, debit cards, offers and more. With Google Wallet, you can buy in-stores, buy online, and send money. You can buy in-stores by tapping your NFC-enabled Android phone at any merchant location accepting contactless payments. You can buy online on Google properties and on mobile apps and sites, wherever you see the Buy with Google button. And you can send money by logging into Google Wallet online, or within Gmail.com

The Google Wallet app is available on select NFC-enabled Android phones, and allows you to tap your phone to pay in-stores. With the app, you can also add and manage your credit and debit cards, find and save a variety of offers, and view your transaction history.

You can tap to pay using the Google Wallet app on select NFC-enabled Android phones anywhere contactless payments are accepted, which includes over 200,000 merchant locations in the United States.

You can use Google Wallet to make purchases on Google Play, or across other Google properties, such as Google+, Google Offers, Google Drive, Chrome Web Store, and YouTube. Additionally, you can buy within select mobile apps and sites, wherever you see the Buy with Google button. See popular places where Google Wallet works online.

It’s free. There are no fees for you to setup Google Wallet and use it in stores and online. You can even send money for free from your bank account or Wallet Balance. If you’d like to send money using a credit or debit card, there is a small per-transaction fee. Receiving money is always free.

The Google Wallet app is available on select NFC-enabled Android phones. See our full list of eligible devices and carriers.

You can use Google Wallet in stores, online, and to send money in the United States. Outside of the United States, Google Wallet is available to purchase on Google Play in over 125 countries, and to purchase online in over 160 countries and territories.

You can add major credit and debit cards to Google Wallet. Learn more.

You should continue to earn rewards points for purchases through your card issuer’s credit or debit card rewards program (such as gas, grocery, and restaurants purchases, and overall spending), if applicable. Certain benefits and rewards may not be applied when using Google Wallet, such as merchant specific rewards (e.g. double points at a specific merchant with a specific card). Applicability of rewards and other benefits (such as purchase protection or insurance) will be decided by your card issuers and not Google Wallet. Learn more.

The Google Wallet app uses Near Field Communication (NFC), a secure, wireless connection to transmit payment details to the merchant.

When you set-up credit or debit cards in the Google Wallet app, you will be issued a virtual prepaid MasterCard card, by its partner Bancorp. When you pay in-store by tapping your phone, Google Wallet passes the virtual card to the merchant for payment, and charges your selected credit or debit card for the purchase.

No, only the virtual prepaid MasterCard card information is passed to the merchant.

At this time, you can pay with Google Wallet using any of your credit or debit cards. However, you cannot pay with any specialized cards, such as merchant-specific gift cards, Flexible Spending Account (FSA) cards, and other single-purpose cards.

Tapping your NFC-enabled Android phone to pay with Google Wallet should work in stores where contactless payments are accepted. In certain instances, the contactless hardware at the merchant location may be old or malfunctioning, and may not work. Also, there are a few exceptions where Google Wallet may not work, depending on the merchant type, card type, ticket size, or category of product sold. In any of these instances, if you get an error, please pay using your regular credit or debit card.

No. The Google Wallet app is currently available in the United States, and will not work with cards issued in any other country or currency.

You can send money by hovering over the attachment paperclip icon and clicking the $ icon to attach money to a Gmail message on your desktop. Another way to send money is by clicking the ‘send money’ button in Google Wallet online at wallet.google.com on desktop or mobile. Payments can be funded from your Google Wallet Balance, bank account and/or credit or debit cards. The recipient does not need to have a Gmail address, but will be prompted to sign in or sign up for Google Wallet to accept the money.

We’re rolling out this feature over the coming months to to all U.S. Gmail users over 18 years old, so keep an eye out for the $ icon in the attachment options. You can also get earlier access to send money with Gmail and Google Wallet if your friends have the feature and send money to you. If you've already claimed money, you will need to wait ~30 minutes and then refresh Gmail to see the $ icon.

Sending money through Gmail is only available in the new compose experience. If you aren’t using the new compose, you can upgrade by clicking “Try out the new compose experience” next to the “Labels” button in your Gmail. You can also send money directly from Google Wallet by clicking the “send money” button.

You can send money to anyone in the U.S. who has an email account, even if it is not Gmail. In order to claim the money, the recipient will just need to sign in or sign up for Google Wallet.

You will need to have or sign up for Google Wallet to send or receive money in Gmail. If you have ever purchased anything on Google Play, then you most likely already have a Google Wallet. If you do not yet have a Google Wallet, don’t worry, the process is simple: go to wallet.google.com and follow the steps.

If the recipient does not claim money sent within 14 days, the money will be returned to the sender’s Google Wallet Balance.

You will receive an email when you are sent money. If it is your first time receiving money, you’ll need to sign in or sign up for Google Wallet and verify your identity. After that, the money you are sent will appear automatically in your Google Wallet Balance.

Certain features of Google Wallet, such as the Google Wallet Balance and sending money, are subject to rules issued by the Financial Crimes Enforcement Network (FinCEN), an agency of the federal Department of the Treasury. These rules require us to verify the identity of Google Wallet users (through the collection of certain identifying information, such as Social Security Number) who establish certain types of accounts.

At this time, sending money with Gmail and Google Wallet is only available in the United States.

It's free to send money directly from your bank account or using your Google Wallet Balance. To send money using a credit or debit card, there will be a flat fee of 2.9% per transaction (minimum $0.30).

No, receiving money is always free.

There is a daily transfer limit of $10,000 USD and a $50,000 USD transfer limit per 5 day period. This includes both money sent to others as well as money transferred in and out of your Google Wallet Balance. You may send as many transactions up to the limits. These limits may be subject to change.

The recipient will receive an email confirmation that they’ve been sent money immediately after you hit “send”. If you are sending from your Google Wallet Balance, credit or debit cards, the recipient will receive funds almost instantaneously in most cases. Sending money directly from your bank account could take up to several days.

The Google Wallet Balance is a prepaid balance in your Google Wallet account. When you’re sent money with Google Wallet, the money will be added to your Google Wallet Balance. You can also use your bank account to add funds to your Google Wallet Balance. Click “Add to Wallet Balance” in the Payments Method tab of wallet.google.com and follow the prompts to add funds.

You can transfer money from your Google Wallet Balance to your bank account by adding your bank account to Google Wallet, under “Payment Methods” at wallet.google.com. After you've added your bank account, you can transfer money from the same page. Please note it may take a few days for the transfer to complete.

Once you’ve claimed money, the money will be available in your Google Wallet Balance. You will be able to use your Balance to send money to other people, transfer to your bank account, or use it to purchase on Google Play.

Google Wallet Purchase Protection covers 100% of eligible unauthorized Google Wallet transactions reported within 180 days of purchase. If you would like to file a report about an unauthorized Google Wallet transaction, please contact us here.

Google Wallet stores your credit and debit cards on secure servers and encrypts your payment information with industry-standard SSL (secure socket layer) technology. Further, your full credit and debit card information are not shown in the user interface, and are never shared with the merchant. Finally, access to Google Wallet is protected by password or PIN.

In addition to Google Wallet Purchase Protection, you may also have certain rights under your agreement with the issuing bank of your credit or debit card. Contact your issuing bank for more information.

You can remotely disable the Google Wallet app online at wallet.google.com or by calling customer service. Disabling the app prevents use of Google Wallet for in-store payments.

Yes, you can reset the Google Wallet app and remove all payment credentials and transaction data via the “Settings” menu in the app.

Google Wallet records information about your purchases, such as merchant, amount, date and time, method of payment, and, optionally, geolocation. You can view your Transaction History in the Wallet app and in the online management center.

No, we do not support Google Wallet on rooted phones.

Offers are deals from local and national merchants that you can find in Google Wallet and across other Google properties.

A variety of offers are available in the Google Wallet app, from national brands, local businesses, restaurants, retail shops, services and more. Some of these offers are exclusively available in the Wallet app in the “Featured” section and some appear when you are near a store where they can be redeemed.

You can find offers to save in the Google Wallet app, and in other Google properties, including Search, Ads, Maps, Offers, and Google+.

Simply show your offer to the cashier at checkout. The cashier will either scan the offer’s barcode or manually type it in.

Google Wallet helps merchants create a more engaging shopping experience, in-store or online. By showcasing targeted offers that are saveable to Google Wallet, merchants can drive more traffic to their stores. And by showcasing their loyalty program in Google Wallet, merchants can acquire and engage customers. Additionally, merchants can create a fast checkout experience for their mobile sites and apps, thereby enhancing the shopping experience and improving conversion.

Google Wallet does not charge a fee to accept Google Wallet payments in-store. Merchants will need to pay their usual card processing fees.

No and there are no plans to do so in the future.

Google Wallet does not charge any fees for purchases through the Google Wallet Instant Buy. You pay existing processing charges to your acquirer/processor/gateway.

The Instant Buy API is designed for merchants and developers selling physical goods and services in their Android apps, who already have a payment processor and are looking to simplify the checkout experience for their users. Instant Buy provides a fast, two-click checkout option for these merchants and developers.

Not at this time.

Google Wallet Instant Buy has the following key differentiators:

• It offers fast checkout for Android users buying physical goods. Users who buy on Google properties have set up Google Wallet and can now checkout in Android apps in as few as 2 clicks without having to manually enter their payment or shipping information.
• Developers who integrate Google+ sign in with Instant Buy can register users without requiring them to enter their account/profile/payment information.
• Google Wallet Instant Buy API is included as part of Google Play Services that is distributed to all Android devices thus removing the need for developers to distribute another SDK
• Easy integration and no additional fees. Since Google is not processing payments or managing fulfillment, there are no additional fees or complex integrations.

Instant Buy benefits both consumers and developers.

• Consumers who use Google Wallet do not have to re-enter their payment information every time they shop and can speed through checkout.
• Developers can improve their sales conversion rate. Also, developers can keep consumers in their app for the entire transaction -- consumers who pre-authorize Google Wallet do not leave your app to complete a transaction.

You will continue to manage your orders through your current payment processing system.

Yes, this solution is designed for merchants who already have a payment processor/acquirer.

The merchant processes payments via their existing payment processor using a Google Wallet Virtual OneTime Card.

Google will pass the following details associated with the Google Wallet Virtual OneTime Card issued by The Bancorp Bank to the merchant: name, full Virtual OneTime Card number, CVC, expiration date and billing address. Google will also send the e-mail address, the phone number of the user and a shipping address if relevant. Google will not pass full details of the customer’s backing instrument, only the last 4 digits.

Bancorp issues a virtual card number for each transaction. There are several security measures for this:

• Can be used only by the merchant that makes first authorization on the card.
• Transaction limit: order amount + 20% (to account for increased transaction size due to extra shipping charges etc.).
• Expiration: end of month + 120 days.
• Allows for multiple authorization or settlements, as long they are associated with the same purchase, and are done before the OneTime card number expires (end of the month plus 120 days).
• Authorizations, captures, refunds, and chargebacks all work as usual.

This approach provides increased security and simplified integration. If the virtual card number is compromised, the damage is limited. Further, sharing virtual card numbers allows Google to dramatically simplify merchant integration by eliminating complex encryption, dedicated keys, direct connection between Google and merchant's data bunkers, etc.

No, Google Wallet Virtual OneTime Card allows for multiple authorization or captures (for example, in case of split shipments), as long as they are associated with the same purchase, and are done before the OneTime card expires (end of month + 120 days).

Google Play services gives your apps more features to attract users on a wider range of devices. With Google Play services, your app can take advantage of the latest, Google-powered features such as Maps, Google+, Google Wallet, and more, with automatic platform updates distributed as an APK through the Google Play store. This makes it faster for your users to receive updates and easier for you to integrate the newest that Google has to offer.

The Google Wallet Instant Buy Android API is a distinct product from Android in-app billing. Key differences are:

• Instant Buy Android API is designed for developers selling physical goods/services. Developers will continue to use Android in-app billing for selling digital goods consumed on or off the device
• With the Instant Buy Android API, Google facilitates the payment and the merchant is still required to have a payments processor/acquirer relationship. With Android in-app billing, Google offers support for full payment processing and fulfillment.
• Instant Buy Android API is in limited availability while Android in-app billing has been generally available for several years.
• Instant Buy Android API does not support direct carrier billing or gift cards.

Developers/merchants who desire to sell digital goods consumed on or off the device should use the Android in-app billing API at http://developer.android.com/google/play/billing/index.html

The user will see “GOOGLE*”. The merchant’s supplied description is the name that’s currently provided by the merchant’s acquiring bank.

Not at this time.

We are launching Google Wallet with limited availability. If you are interested in implementing the API, please fill out this contact form and we will get back to you as soon as we can.

You can easily upgrade to Google Offers, and upload all relevant offers to Google. Once in the system, you have the option of distributing across a number of our properties - including Google Search, Ads, Maps, Wallet, Offers, and Google+.

The Wallet Objects API is an extensible platform that allows developers to build any object to be savable to Google Wallet, such as loyalty cards, offers, tickets, boarding passes, and more. Merchants and developers can then distribute these objects from any of their properties, such as their websites and emails, so users can save them directly to their Google Wallet and conveniently carry them.

The Wallet Objects API is an extensible platform - so you can build any relevant object to be savable to Google Wallet. Additionally, with pre-built functionality around loyalty and offers, you can acquire and engage customers. Through Google’s location services, your users can get timely notifications that drive adoption and usage.

Yes. The Wallet Objects API comes with pre-built functionality so you can easily integrate and have a branded presence for your loyalty program within Google Wallet. Additionally, you can acquire new users for your loyalty program with our instant sign-up feature. Finally, you can engage with existing members through real-time updates and notifications.

Yes. The Wallet Objects API comes with pre-built functionality so you can easily integrate and have a branded presence for your loyalty program within Google Wallet. Additionally, you can acquire new users for your loyalty program with our instant sign-up feature. Finally, you can engage with existing members through real-time updates and notifications.

Yes. The Wallet Objects API is built exactly for that purpose - so you can easily distribute offers, loyalty cards, and more from any of your properties.

Not yet. We are releasing the developer API first, so you can integrate your loyalty programs and offers first. This way, you have the opportunity to be available in the app when we launch the consumer functionality later this year.

All loyalty programs and offers in the Google Wallet app for consumers will have a QR code. Consumers will simply scan their phone at checkout, or show their phone to the cashier, to redeem their offer(s) or earn loyalty points.

You can sign up here to request access for the Wallet Objects API.