AtlasPayment MethodsGoogle Pay

Google Pay

pmt_google_pay

Introduced in 2018, Google Pay is a digital wallet or mobile payment service for consumer and merchant payments used across multiple markets.

Wallet
Use cases:
Channels:
Initiation:
Users
450M
Markets
175
TPV
$2.3T
Transactions
105B

Number of Users

UsersYoY
20222023202420252026Five-year Users and YoY data will appear here

Total Payment Volume

TPVYoY
20222023202420252026Five-year TPV and YoY data will appear here

Markets

Markets and currencies connected to Google Pay across consumer, processing and settlement flows.

Market
IndiaAPAC$1.2T87B290M
United StatesUS&C$215B4.9B43M
BrazilLatAm$35B2.3B21M
United KingdomEMEA$83B3.1B14M
FranceEMEA$34B1.3B8.2M

Capabilities

How Google Pay works across its supported payment flows, normalized to the Atlas capability model.

Processing
ConfirmationDelayedInstant
Clearing ModelReal-timeBatch
System Settlement Timing–
System Interoperability–
Cross-border Support–
Flows
EmbeddedSupported
RedirectSupported
Deep LinkSupported
Offline Completion–
Manual Transfer–
Payment Request–
QRConditional
NFCSupported
USSD–
Recurring
User-present RepeatSupported
Merchant-initiated–
Mandate Support/Required–
Credential on FileSupported
Authentication
Online Banking–
App ApprovalSupported
Biometric AuthenticationConditional
PIN / PasscodeConditional
One-time Password–
3D SecureNot supported
Authorization
Authorization Hold / Pre-authorization–
Authorization Reversal / Void–
Authorization Adjustments–
Partial Authorization–
Zero-value Verification–
Capture
Separate/Manual CaptureConditional
Partial CaptureConditional
Multiple Partial CapturesConditional
Refunds
Full RefundsNative
Partial RefundsNative
Multiple Partial RefundsConditional
Disputes
ChargebacksConditional
Non-chargeback Dispute ProcessSupported
Payment GuaranteeNot guaranteed
Funding Sources
Bank AccountConditional
CardConditional
Stored BalanceSupported
Credit Line–
Cash–
Consumer Requirements
Local Bank Account Required–
App / Wallet Account RequiredRequired
Phone Number RequiredConditional
Supported Bank/Issuer Required–
Merchant Requirements
Local Entity Required–
Local Bank Account Required–
Local Acquiring Required–
Local Processing Required–

PSPs

PSP-specific Google Pay implementations, kept separate from the underlying payment method.

No PSP implementations have been mapped for this method yet.

Schemes

Schemes connected to Google Pay, using the same four-metric model as the overview.

Scheme
UPI

Compliance

Regulators and regulations connected to Google Pay.

Regulator(s)
No regulators have been mapped yet.
No regulations have been mapped yet.

Standards

Standards connected to Google Pay.

Standard Category
Google Pay88.0%
Markets100%PSPs0%Schemes100%Compliance0%Standards100%