Google Pay flows

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Google Pay has certain features and behaviors that are important for issuers to understand and incorporate into their TSP integration and pre-launch testing.

Key Google Pay UX flows

Cards can be added to Google Pay either through Google Wallet surfaces or an issuer's mobile banking app using the Push Provisioning API. Google Wallet app surfaces let users to enter their card details in multiple ways, including autofilling the details using a card already stored on file, OCR scanning, and manual entry.

Adding cards to Google Pay using three different methods: Card on File, OCR Scanning, and manual entry

The UX flows below show common user flows for adding a card to Google Pay on a phone, tablet, and watch.

Phone and tablet tokenization experience

Google Wallet app provisioning flow

Wear OS by Google tokenization experience

Steps to set up a smart watch to use Google Pay

Phone helper screens:

Setting up Google pay on a smart phone

Transaction screens

Google Pay can be used to make NFC transactions in stores, make in-app payments, and make online payments.

Making NFC transactions with Google Pay on smart phones

Token deletion behavior

Tokens can be deleted for a variety of reasons other than a user deciding to manually delete a token using the Google Wallet app. Notably, after 90 days of inactivity, Google Pay initiates token deletion from our servers. To be considered active, a device needs to be turned on and connect to Google's servers once every 90 days.

The most common questions around token deletions are the scenarios where a device has been offline for 90 days, typically because they were powered off, broken, or factory reset. This scenario can be especially confusing if the issuer sends servicing messages notifying the user of the deletion. Another common reason for a deletion is when a user removes their device lock.

User Action Device Tokens TSP Tokens
Delete one or more tokens manually using the Google Wallet app or the Push Provisioning API Deleted Deleted
Remove device lock (PIN, pattern) Deleted Deleted (best effort)
Remove Google account (via Settings/Accounts) Deleted Deleted after 90 days
Factory reset Deleted Deleted after 90 days
Powered off device (or broken device that fails to power on) N/A Deleted after 90 days
Remotely wipe device using Android Device Manager Deleted Deleted
Remotely lock device using Android Device Manager Disabled Deleted if phone unreachable
Clear all data from Play Services (via Settings) Deleted Deleted when user opens Google Wallet app
Clear all data from Google Wallet app (via Settings) Unchanged Deleted after 90 days

Supported OCR formats

Google Pay supports OCR recognition of a variety of card formats to capture a card's PAN and expiry date. Google Pay's OCR tool currently supports the following card formats:

  • 15 digits in a single line grouped 4-6-5
  • 15 digits in a single line grouped 6-4-5
  • 16 digits in a single line grouped 4-4-4-4
  • 16 digits in a single line grouped 6-3-3-4
  • 16 digits in a single line grouped 6-3-6-1
  • 19 digits in a single line grouped 6-4-5-4
  • 16 digits in a single line grouped 6-3-8
  • 16 digits in a single line grouped 6-6-5
  • 17 digits in a single line grouped 6-9-2
  • 19 digits in a single line grouped 7-7-5
  • 19 digits in a single line grouped 7-12
  • 19 digits in a single line grouped without spaces

Requesting new OCR formats

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