![]() Additionally, in certain markets which have a "no verification contactless limit" using contactless cards, the use of CDCVM can enable merchants to accept transactions higher than these amounts using Google Pay, provided that their terminal software is updated to support the latest network contactless specifications. The use of CDCVM allows the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. In EMV-mode transactions, Google Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using biometrics, pattern, or the device's passcode. Consumer Device Cardholder Verification Method (CDCVM) Android users authenticate unlocking their phone by using biometrics, a pattern, or a passcode, whereas Wear OS users authenticate by opening the Google Wallet app prior to payment. To pay at points of sale, users hold their authenticated Android device to the point-of-sale system's NFC reader. Users can also remotely halt the service on a lost phone via Google's Find My Device service. The "dynamic security code" is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic-stripe-data emulation-mode transaction. The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN) and creates a "dynamic security code generated for each transaction". Google Pay uses the EMV Payment Tokenization Specification. The service has smart-authentication, allowing the system to detect when the device is considered secure (for instance if unlocked in the last five minutes) and challenge if necessary for unlock information. To pay at points of sale, users hold their authenticated device to the point of sale system. Users can add payment cards to the service by taking a photo of the card, or by entering the card information manually. Google Pay requires that a screen lock be set on the phone or watch. Instead, it generates a virtual account number representing the user's account information. When the user makes a payment to a merchant, Google Pay does not send the actual payment card number. The service lets Android devices wirelessly communicate with point of sale systems using a near field communication (NFC) antenna and host-based card emulation (HCE). It is similar to contactless payments already used in many countries, with the addition of two-factor authentication. It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in Google Wallet. It’s hard to find a company that embodies innovation more than Google, and we’re honored to be working with them on Google Pay to bring new payment innovations to their customers.Google Pay uses near-field communication (NFC) to transmit card information facilitating funds transfer to the retailer. With contactless payments and mobile wallet use surging during and after COVID-19 shutdowns, our platform provides the technology that allows our customers to instantly provision tokenized cards into mobile wallets, allowing cardholders to begin spending right away, without having to manually enter card numbers into their Android devices. “By working with Marqeta, we are able to give our users another way to spend the funds in their Google Pay balance, making it even easier to pay for everyday items.” ![]() “We are always looking for ways to make Google Pay more helpful to our users,” said Tarun Bhatnagar, Vice President of Payments, Americas at Google Pay. Previously, Google Pay balance users could use their balance for person-to-person payments, purchases on Google-owned properties (e.g., the Google Play Store or YouTube), or they could transfer their funds to their bank account. The new virtual Google Pay balance card allows users to easily spend their balance through a virtual card tokenized into a mobile wallet and used at accepting merchants. We’re excited to help Google Pay provide its users with more ways to use their balances at both online merchants and in stores. Today, we announced that our modern card issuing platform will power the new Google Pay balance card.
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