Apple Pay, Google Pay and Samsung Pay: How They Work With Credit Cards. Google pay iPhone
Apple Pay, Google Pay and Samsung Pay: How They Work With Credit Cards
Instead of swiping or dipping, you can use your phone to make secure payments in stores, online or to other people. Here’s how.
Chanelle Bessette Lead Writer/Spokesperson | Banking, checking Accounts, cash Management Accounts
Chanelle Bessette is a personal finance writer at NerdWallet covering banking. She previously worked at Fortune, Forbes and the Reno Gazette-Journal. She is also a spokesperson for the banking team, and her expertise has appeared in The New York Times, Vox and Apartment Therapy.
Funto Omojola Lead Writer | Auto loans, Credit cards
Funto Omojola started writing for NerdWallet in 2020. Before joining NerdWallet, she covered personal finance-related topics for financial websites and organizations and has over five years of experience writing about money. Her writing has been featured in MarketWatch, Yahoo Finance, Realtor.com, New York Post, and Nasdaq, among others. Funto earned a bachelor’s degree in global and international studies and an MFA from Bard College. She is based in Brooklyn, New York.
Kenley Young Assigning Editor | Credit cards, credit scores
Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a homepage editor and digital content producer for Fox Sports, and before that a front page editor for Yahoo. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain.
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Mobile wallets are in widespread use these days, as more people opt for contactless payment options rather than carrying around a load of plastic or wads of cash.
In fact, some top credit card issuers reward you for using mobile payments. And as more merchants offer cardless payment systems, major digital wallets like Apple Pay, Google Pay and Samsung Pay can be your ticket to a more streamlined and secure shopping experience. Here’s how the top mobile wallet services work and how to use your credit cards with them.
Apple Pay
Apple Pay allows users to make contactless payments in stores, online, in-apps and more. The mobile wallet. with which you can use credit, debit, prepaid and select loyalty cards, is widely accepted across the U.S. While you can add multiple credit cards to one device, you must select a default card to use, which you can change manually.
How to use Apple Pay
Apple Pay can be used only on Apple devices. Here’s how to get started:
Pay at the Pump. Apple Pay vs Google Pay
Tap to input your payment method (credit or debit card). You can either enter the number manually in the wallet app or you can scan a picture of your card. Keep in mind that some banks may ask that you verify your card before you can start using it.
Apple cardholders can earn 2% cash back on all purchases made with Apple Pay. Paying with the physical card earns you only 1% back, which is lower than the industry standard of 1.5%.
When you’re checking out at a store that accepts Apple Pay (you can tell by the logo on the merchant’s point-of-sale system), log in to your iPhone using your passcode, Touch ID or Face ID. Then, just hold the phone close to the payment terminal to validate the purchase. No swiping required.
If you have an Apple Watch, you use it to pay by double-clicking the side button and then holding it near the payment reader.
You can also use Apple Pay online or within apps when you see an “Apple Pay” button.
Apple Pay isn’t just for paying at the store; you can also use it to send and receive money by using the Apple Cash option. To set up Apple Cash, users can go to their Apple device settings and turn on Apple Cash in the wallet.
Money can be sent and requested through the messages app on your Apple device. There, you’ll need to tap the “Apple Pay” button, enter your desired amount, and then tap the “send” button.
When you’re using Apple Cash to receive money, it will be added to your Apple Cash card in the wallet app. You can either use that cash to pay anywhere you would use Apple Pay, or you can transfer your Apple Cash to a linked bank account.
Apple Cash has the following payment limits when sending or receiving money:
If you have an individual account: 10,000 within a seven-day period.
If you’re a part of Apple Cash Family: 2,000 within a seven-day period. Apple Cash Family allows you to set up and share use of Apple Cash with members of your family.
Apple Pay can be used with cards from most banks and credit unions, including credit cards from major issuers like American Express, Bank of America Capital One, Chase and Citi.
You’ll earn the same credit card rewards when you use your card with Apple Pay, as long as the card is selected as the default and used when you make a purchase.
Google Pay
With Google Pay (a merging of what was previously Android Pay and Google Wallet), you can use debit, credit, gift and loyalty rewards cards to make contactless purchases in person, as well as transactions in-app and online.
The Google Pay mobile wallet service is accepted widely across restaurants, grocery stores, gas stations, online merchants, and the like, anywhere you see the Google Pay logo or another symbol that indicates contactless payments are accepted.
Although you’ll be able to access Google Pay to send money via an iPhone or iPad that uses iOS 7 or higher, you can make contactless payments and pay online or in-app only with an Android device (that uses Lollipop 5.0 or higher).
How to use Google Pay
To use Google Pay, follow these steps:
Enter your debit or credit card information. Users will be asked to provide their card number, expiration date, CVV and billing address, all of which will be verified by the issuing bank. You can add multiple cards to your account, but you’ll have to choose a default card, which you can change at any time.
Enable NFC (or near field communication) by opening your phone’s settings, typing “NFC” in the search bar and tapping to enable. If you can’t find NFC, your phone cannot use Google Pay.
When making a physical transaction, unlock your phone and tap it on the card reader. You can also make payments with a smartwatch by holding it near a card reader until you hear a sound or feel a vibration.
Users can also opt in to receive Google Pay rewards in addition to rewards you might earn from your credit card. You can enroll in the rewards program by going to the app’s settings and enabling to “earn rewards on qualifying actions” under the “offers rewards” tab.
Some Google Pay-capable phones do have fingerprint-scanning technology that can be used to unlock the phone, but you can also use a PIN, password, iris scan, face recognition or pattern, depending on the lock-screen security options on your device.
For online or in-app transactions, you can automatically use the default card linked to your Google Pay account to make a payment whenever you see the Google Pay button.
Google Pay customers can also send and receive money with a bank account, debit card or Google Pay balance. Inside the app, you can search contacts by name, email, phone or QR code. Once found, you can tap the contact, enter the amount you want to pay them and then choose to enter a note describing what the payment is for.
Users will be able to send money to non-Google Pay customers by using a debit card or Google Pay balance, but recipients will have to follow instructions to claim their payments within seven days of receiving it or the transaction will expire.
Google Pay has the following payment limits when sending or receiving money:
If your identity is verified: 5,000 per rolling seven-day time frame.
If your identity isn’t verified: 500.
You can verify your identity through the “insights” tab in the Google Pay app. You’ll be asked to verify your name, address, date of birth and Social Security number.
A maximum of 30 withdrawals can be made per rolling seven-day period, for a minimum of 1.
Google Pay works with most major credit card issuing banks and credit unions, including American Express, Bank of America Barclays, Capital One, Chase, Citi and Discover. However, the digital wallet may not be compatible with some co-branded credit cards, business credit cards and commercial credit cards.
For example, co-branded credit cards issued by Citi, including the American Airlines, Sears and Home Depot cards, are not supported by Google Pay. Similarly, some Synchrony-issued private label and co-branded cards like those from Amazon, JCPenney and TJ Maxx will not work with Google Pay. Additionally, Wells Fargo-issued Mastercards, co-branded cards and Visa Commercial Credit are not supported by the digital service.
To confirm if your credit card is compatible with Google Pay, contact your issuer by calling the number on the back of your card.
You’ll earn credit card rewards as usual when you use your card with Google Pay.
Samsung Pay
Samsung Pay users can add up to 10 credit and debit payment cards to the digital wallet to make contactless payments in-store. You can also add membership or loyalty cards and gift cards to your account.
Like Google Pay and Apple Pay, Samsung Pay is widely accepted. However, Samsung Pay is more limited in terms of what compatible devices can be used with the service. The digital wallet will work only with select Samsung devices. and is not available on iOS devices.
Note that to use the service on a non-Samsung phone smartwatch, you’ll need to update to Android 6.0 or higher.
How to use Samsung Pay
You can use Samsung pay in Samsung-owned apps, but you cannot use the mobile wallet to make direct purchases online or in other apps. Here’s how to get set up with Samsung Pay on your compatible phone or watch:
To use Samsung Pay for in-store purchases, swipe up on your phone from the home screen to select the card you want to use, then authenticate your identity with a fingerprint scan or password before putting your phone next to the card reader to complete the transaction.
Another feature of the Samsung Pay app is the ability to send and receive money to and from contacts with an eligible and enabled Samsung Pay device. To use this feature, you’ll need to add Samsung Pay Cash through the app — click the “pay” tab at the bottom of the app and then swipe left to the Samsung Pay Cash card.
You’ll be prompted to enter a personal information form and agree to the terms before you can be approved to use Samsung Pay. Once completed and verified, you can add funds to your card and start using it immediately to send and receive money.
To send money, users can navigate to the “pay” tab in the app, and then tap “send.” Funds can be sent manually by entering the recipient’s phone number, or automatically to a contact on your phone.
Samsung Pay Cash has the following payment limits when sending or receiving money:
If you have a lite (basic) account: 500 total per month, up to 15 transactions. If you have a full account: 3,500 total per month, up to 40 transactions. You can upgrade your account by following the upgrade instructions in your app.
Samsung Pay is compatible with more than 1,000 banks and credit unions, including credit cards from major issuers like American Express, Bank of America Chase, Citi, Capital One and Navy Federal Credit Union.
Samsung notes that some specific co-branded cards may not be compatible with Samsung Pay. You can contact your credit card’s issuing bank to see if your card is supported.
You’ll earn credit card rewards and benefits on purchases made through Samsung Pay, just as you would if you were swiping your card.
Are mobile wallets safe?
You may be skeptical about storing your credit or debit card information in your phone. But, by and large, mobile wallets are safe.
Whether you’re using Apple Pay, Google Pay or Samsung Pay, your credit card information is never collected by the merchant you’re paying. Instead, each of these services “tokenizes” account information. When you make a new transaction, your account is represented by a random transaction code, but your actual card numbers are never shared with the business. Tokenization helps prevent fraud and minimizes damage if the merchant undergoes a data breach.
For additional security, make sure your device’s lock screen is password-enabled with a PIN, alphanumeric phrase, pattern; or a fingerprint, facial or iris scan.
The information related to the Citi-issued American Airlines, Sears and Home Depot cards has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
About the authors: Chanelle Bessette is a personal finance writer at NerdWallet covering banking. She specializes in checking and cash management accounts. Read more
Funto Omojola is a writer at NerdWallet. Her work has been featured in MarketWatch, Yahoo Finance and Nasdaq. Read more
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly.
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Paga tus compras con Google Pay desde tu iPhone sin problemas
Google Pay es la herramienta principal de los móviles Android para poder realizar pagos en tiendas. Estas te permiten hacer compras en establecimientos que tienen disponible la opción de recibir pagos mediante el NFC o códigos QR. Pero al ser Google Pay una app que funciona perfectamente en Android y al ya existir Apple Pay, es normal que se genere la pregunta, ¿es compatible Google Pay en iPhone? Por esto hoy te explicamos cómo usar Google Pay en el iPhone.
La respuesta rápida es que sí, Google Pay funciona en los iPhone, pero cuidado, porque hay unos detalles que se diferencian o que limitan.más que todo- el funcionamiento de esta aplicación dentro de un móvil Android a un iPhone. De hecho, si aún no utilizas Apple Pay, aquí te explicamos todo, Apple Pay: qué es, como se configura y cómo se usa.
Cómo configurar Google Pay en tu iPhone
Una vez descargues la app de Google Pay podrás pagar con tu iPhone de manera sencilla
Lo primero que debes hacer es ir hacia la App Store para descargar la aplicación, ya que a pesar de ser una herramienta de Google, también puedes usarla en tu iPhone sin problemas. Así que no descargues Google Pay desde algún punto externo, porque nos sería lo más seguro.
Google Pay se puede descargar gratis en la App Store
Pero supongamos que actualmente vives en Estados Unidos, o tienes alguna tarjeta de crédito o débito de dicho país, ¿qué debes hacer a continuación?
Google Pay te pedirá confirmar tu correo electrónico y colocar tu número de teléfono (que sea acorde con los países permitidos), para luego, preguntarte si le das permiso a la app para que tus contactos puedan encontrarte y realizarte pagos a través de la aplicación. Si estás a gusto con esta última opción, presiona en el botón de sí, en tal caso que no te guste este apartado, puedes presionar en el botón de “No ahora”.
- Recibir recompensas por parte de la app.
- Permitir que Google Pay pueda personalizar la app a tu experiencia.
Una vez seleccionado las respuestas a tu gusto, podrás comenzar a navegar por la interfaz de la aplicación. Pero espera, que aún no acaban los pasos para que puedas usar Google Pay bien. De hecho, te hablamos de una limitante que tiene esta app al ser usada en iPhone, la primera fueron los países que son compatibles con la aplicación. La segunda es que no podrás efectuar pagos mediante el NFC en los puntos de venta de las tiendas. La solución a esto es que puedes realizar el pago haciendo empleo de los códigos QR o números telefónicos asociados a la tienda.
Para terminar de configurar Google Pay deberás agregar la tarjeta de crédito o débito que desees, para esto tienes que:
- Presionar en Añadir cuenta.
- Pulsar en Aceptar y Registrarte.
- Pinchar en Continuar.
- Seleccionar el banco de tu Tarjeta de crédito o débito.
- Poner el usuario y la clave de tu banco.
- Presionar en Aceptar.
Una vez hayas hecho esto, habrás logrado registrar la tarjeta y te saldrá toda la información en la interfaz de Google Pay, De esta forma ya estarás listo para hacer pagos.
Cómo pagar con Google Pay en iPhone
De esta forma habrás pagado o enviado el dinero a la persona o tienda que desees.
Digital Wallet Options
Digital wallets replace your actual card number with a unique digital card number. This means businesses do not see or store your full card number.
Easy to Use
Confirm your identity (with a PIN, pattern lock, fingerprint or iris/face scan) on your device and tap to pay wherever you see the Contactless Symbol.
Your Card. Your Choice.
We’re committed to providing you convenient and secure payment options, whenever you pay with your Wells Fargo Debit or Credit Cards.
Accepted in many places
In stores, simply tap your mobile device where you see the digital wallet logo or Contactless Symbol at checkout. Or select the digital wallet logo when shopping online and in apps.
Peace of Mind
And when you use your Wells Fargo cards with a digital wallet, you will continue to have the added security of 24/7 fraud monitoring and Zero Liability protection.
With Zero Liability protection, you won’t be held responsible for any promptly reported unauthorized card transactions. For more information about liability for unauthorized transactions, review either your applicable Consumer Credit Card Customer Agreement and Disclosure Statement or your applicable Wells Fargo account agreement, debit and ATM card terms and conditions or Wells Fargo Easy Pay Card Terms and Conditions.
Certain devices are eligible to enable fingerprint sign-on. If you store multiple fingerprints on your device, including those of additional persons, those persons will also be able to access your Wells Fargo Mobile app via fingerprint when fingerprint is enabled. Your mobile carrier’s messaging and data rates may apply.
Only select devices are eligible to enable sign-on with facial recognition. If you have family members who look like you, we recommend using your username and password instead of facial recognition to sign on. Your mobile carrier’s message and data rates may apply.
Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.
Samsung, Samsung Pay, Galaxy S (and other device names), and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.
PayPal and the PayPal logo are trademarks of PayPal, Inc.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
Wells Fargo Bank, N.A. Member FDIC.
How to fix Google Pay errors on your Android or iOS smartphone?
Google Pay app showing an error? These quick fixes will help.
Google Pay along with other UPI services have completely changed how we make daily monetary transactions. Carrying cash on you is no longer a necessity as most vendors nowadays accept mobile transactions. While this may be super convenient, things can take a turn when the Google Pay app shows an error and is unable to make a transaction. In this article, we show you how to fix Google Pay errors on your Android or iOS smartphone.
Check your registered phone number
If you recently changed your phone number, you will need to update it on the Google Pay app. You also need to make sure that the phone number linked to your bank account has been updated as well. Google Pay works by linking your bank account with the app using the registered phone number. If the number registered to your bank account does not match the number you’re using on your phone, you will be unable to make any transaction on Google Pay. Here’s how you can update the phone number on the Google Pay app.
Step 1: Open the Google Pay app and tap on your profile at the top right corner of the screen.
Step 2: This page will display all your basic information like your name, UPI ID, phone number, and the QR code for your profile. Check your phone number and if it is outdated, tap on ‘Settings’.
Step 3: Tap on ‘Personal Info’ and select the ‘Edit’ option next to your phone number.
Step 4: Google Pay will prompt you to enter your new number, which will be verified using an OTP.
Once your phone number has been updated on the app, you can resume making Google Pay transactions.
Update the Google Pay app
If you haven’t updated the Google Pay app in a long time, chances are it is being phased out. In order to resume Google Pay services, you will have to update it to the latest version. You can do this by simply going to the Google Play Store or App Store and searching for Google Pay. Click on the ‘Update’ option and the latest version of the app will be installed on your device.
Clear app cache
Like every other app, Google Pay stores temporary files in cache memory. Over a period of time, the cache memory may get filled with corrupted files that keep the app from working properly. To clear Google Pay’s cache go to SettingsAppsGPayStorageClear Cache.
Check the connection
If you’re in a spot with no data or Wi-Fi connection, your transactions will not be able to go through. Move to a spot with better network reception and try again. Always ensure that your smartphone is receiving a strong network connection before you make a transaction on Google Pay.
Reinstall the app
If you’ve tried all the above fixes and are still facing issues with Google Pay, try uninstalling and reinstalling the app again. Doing this will reset all the settings on the app and also get rid of any bugs that may be causing issues. Long press on the GPay icon in your app drawer and select uninstall. Then go to the Google Play Store or the App Store and reinstall the GPay app again.
These are some of the common fixes for Google Pay errors on Android and iOS smartphones. If you’re still facing issues, try contacting your bank and see if there are any issues with your account. It is common for bank servers to be down, thereby causing issues with transactions on Google Pay.
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