Google Pay On Mac

Google Pay is apparently just as much a disaster internally as the app transition has been externally. That's the big takeaway from a recent Business Insider article detailing an exodus of executives from Google's payment division, lower-than-expected app adoption, and employees frustrated with the slow movement of the division.

Google's upending of Google Pay isn't completely unmotivated. A survey last year by Pulse, a Discover company, said that Google Pay had a measly 3 percent market share, while Apple Pay—which.

  1. Google Pay is a finance app developed by Google. BlueStacks app player is the best platform to run this Android app on your PC or Mac for an immersive gaming experience. Quickly and easily manage your money and make payments with the convenience and simplicity of Google Pay.
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  3. Apple Pay and Google Pay. Western Sun FCU members will soon be able to add their WSFCU credit card and debit card to their mobile wallet for use with Apple Pay and Google Pay. These are the two easiest and most secure ways to pay. We are currently testing both Apple Pay and Google Pay products and once testing is completed in October.
  4. The payment from Google to Apple accounts for a significant amount of Apple’s ever-important Services segment. Apple has put an emphasis on Services over the years to show investors it has other.

Business Insider spoke with ex-employees and learned that 'dozens of employees and executives have left' the Google Payments team in recent months, including 'at least seven leaders on the team with roles of director or vice president.' The most prominent departure, of payments chief Caesar Sengupta, kicked off the exodus in April, and now employees are worried about another reorganization and even slower progress. Many rank-and-file team members have reportedly departed, too, with the story saying, 'One former employee estimated that half the people working on the business-development team for Google Pay—a group of about 40 people—have left the company in recent months.'

In 2018, Sengupta took over the payments division, which oversees the Google Pay app and the wider Google payments infrastructure, and the report says that 'much of Sengupta's attention was on bringing the US Google Pay app more in line with the version Google built for India.'

That's a reference to Google Pay's big March revamp, which killed the existing app and website and essentially replaced it with an entirely new service. We weren't big fans of the update, which featured a lot of reduced functionality and a clumsy transition plan for existing users. It seems like we weren't alone in our disappointment; the report quotes a former payments employee as saying, 'Caesar [Sengupta] leaving was the capstone on a lot of frustration felt by employees. The product wasn't growing at the rate we wanted it to.' Sengupta departed Google one month after killing the old Google Pay and making his new app mandatory for all users in the US.


The “New Google Pay” disaster

The new Google Pay app launched in November 2020 in the US, and for about four months, Google was running two 'Google Pay' apps: the old Google Pay (which had been around since 2011, first as Google Wallet, then Android Pay, then Google Pay) and this new Google Pay, which was a ground-up rewrite the company started for the Indian market. April 2021 capped off the final death of the old Google Pay service, which had been winding down since January. The two services were both called 'Google Pay,' but other than that, they weren't related in terms of features, contacts, or accounts.

We reviewed the new Google Pay right around this time and found it to be a pretty poor service compared to what Google had previously. The new service used SMS instead of a Google account for your identity, meaning that it didn't support multiple devices, didn't support multiple accounts, and no longer supported website use. Your phone was the only way to access a functional Google Pay, and everything was tied to your carrier's phone number.

NFC payments on Android mostly worked the same, but P2P users had to go through a clumsy transition. Users on the new app couldn't send money to users on the old app, so as your contact list slowly switched over, Google Pay just became an unusable mess for the next few months. 'I sent you money on Google Pay' was no longer enough; users would have to suss out for themselves whether 'Google Pay' meant the new app or the old app. Google should have worked to make the transition easy, but it didn't, and the result was months of what was essentially downtime for the service. Sending money through 'Google Pay' was no longer reliable for anyone but the savviest users, thanks to version incompatibilities.Google Pay On Mac

Google's upending of Google Pay isn't completely unmotivated. A survey last year by Pulse, a Discover company, said that Google Pay had a measly 3 percent market share, while Apple Pay—which joined the NFC payment market years after Google—had a 92 percent share of mobile payments. Something probably needed to change for Google Pay, but these are stats for NFC payments, and New Google Pay changed basically nothing about NFC payments.

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Next up: Google bank accounts?!

Next up for the New Google Pay app is the launch sometime this year of a 'Plex' banking service, which will be a full-blown Google bank account, thanks to a partnership with Citibank. One of the employees Business Insider spoke to said, 'Plex was entirely [Vice President] Felix [Lin] and Caesar [Sengupta's] brainchild,' and now both of those executives no longer work at Google. Progress on the bank account has already been 'slower than expected,' according to the report, and without its two leading architects, Plex may be delayed.

There's one question I'm not sure anyone on the payments team has asked, and it might be worth looking into: Does anyone out there actually want a Google bank account?

Apple Pay® and Google Pay™ are two popular mobile payment technologies. Apple Pay came out in late 20141, and Google Pay (formerly Google Wallet™ and Android Pay™) launched in 2018.2

Although they are rival payment options, Apple Pay and Google Pay share a lot in common:

  • Both allow users to upload credit card details into their mobile devices.
  • Both use a form of tokenization to hide personal account numbers (PANs) during transactions.
  • Both use near field communication (NFC), allowing shoppers to make purchases without physically touching merchants’ payment terminals.

Given the similarities between these two mobile payment systems, why should a customer (or merchant) choose one over the other?

The primary differences between Apple Pay and Google Pay

When you look at the bigger picture, there are not many differences between these two mobile wallets. It really boils down to what type of device is being used – Apple or Android.

How do you make payments?

Google Pay On MacPay

Apple Pay® – This payment technology is available for iPhone® and iPad® models that have Face ID or Touch ID (except for iPhone 5s), and Apple Watch® (Series 1 and 2 and later). The necessary technology comes preinstalled on these devices.3

You can add credit cards, debit cards, and prepaid cards, and even store loyalty cards through PayPass technology.4

When making a purchase with an iPhone, a user can authenticate the transaction one of several ways:

  • Looking at iPhone’s screen for Face ID function
  • Entering passcode for iPhone
  • Resting finger on Touch ID

The user then holds the iPhone close to the NFC reader until the transaction is processed and the display shows “Done” with a check mark.

When using an Apple Watch, the user can make a payment by double-clicking the side button and holding the watch display near a contactless reader.

Google Pay® – This wallet works on most NFC-enabled Android smartphones or watches, and there is also an app for the iPhone.5 In nearly all cases, users must actively download the Google Pay app to their respective devices to begin using it.

Like Apple Pay, Google Pay also allows users to upload credit, debit, prepaid, and loyalty cards.

When making an in-store purchase, users simply need to unlock their phones and hold them near the contactless payment reader. There is no need to open the Google Pay app. When the transaction is complete, the user will see a blue checkmark displayed on the screen. Users do need to turn on the NFC payment function within their phones to be able to use at the terminal.6

If paying with a smartwatch, the user needs to open the Google Pay app and hold it near the terminal until he/she feels or hears a buzz. They may also be prompted to enter a PIN number for a debit card or select “credit” to complete the payment.

Can you make P2P, in-app, or online payments?

Apple Pay – Users can make peer-to-peer (P2P) payments via Apple Cash through the Messages app on their device, or they can ask Siri to pay someone using a credit or debit card stored in the app.

They can also make in-app or online purchases wherever they see the Apple Pay logo.

Google Pay – Users can send money in the Google Pay app to a phone number or email address on an iOS or Android device.

Like Apple Pay, Google Pay can also be used for in-app or online purchases where ever the Google Pay logo is found.

Where are these mobile payments accepted?

From retailers to restaurants to transit agencies to college campuses, both payment options are accepted at millions of locations around the world.

  • Apple Pay is accepted at these locations
  • Google Pay is accepted at these locations

Which mobile payment option should you add to your store?

Fortunately, you probably won’t have to decide between accepting Apple Pay or Google Pay. Merchants with NFC terminals can process payments using either platform. Check with your payments provider to determine if you have the right hardware or software.

Google Play On Macbook Pro

If you need help getting started accepting mobile wallets, don’t hesitate to connect with a representative today.

Disclaimer: All trademarks are the property of their respective owners.

1 “Apple Announces Apple Pay,” Apple, 9 September 2014
2 “Google Launches Google Pay, Its Answer to Apple Pay,” Fortune, 20 February 2018
3 “Apple Pay is compatible with these devices,” Apple
4 “Apple Wallet Versus Google Pay – Which Is Best?” Online Tech Tips, 16 August 2019
5 “Set up Google Pay,” Google Pay Help
6 “Apple Pay, Samsung Pay and Google Pay: How They Stack Up,” U.S. News & World Report, 23 December 2019

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