You can use the forms of payment below for different features of the Google Pay app.
|Feature||Supported payment methods|
|Make contactless payments in stores or for transit||Accepted debit cards or credit cards. Find supported payment methods.|
|Find insights about your money & spending habits||Accepted credit cards, bank accounts, prepaid cards, or PayPal accounts.|
|Send money||Accepted debit cards, bank accounts*, or Google Pay balance.|
|Add money to Google Pay balance||
Accepted bank accounts.
|Transfer money out of Google Pay||Accepted debit cards and bank accounts.|
|Pay in apps or online||Accepted debit cards, credit cards, and Google Pay balance where accepted.|
*You can’t use a bank account to send money to someone who:
- Doesn’t have the new Google Pay app
- Doesn’t allow people to search for them
You can still send them money with a debit card or your Google Pay balance.
Accepted payment methods based on type of transaction
Tip: To add a bank account to send, receive, add, or withdraw money, you need to add it as you perform one of these actions.
Send or receive money with friends and family
You can send money to friends and family with your:
- Google Pay balance
- To use Google Pay balance, verify your identity.
- Debit card
- Bank account
- You can't use a bank account to send money to someone who doesn't have the new Google Pay app or doesn't allow people to search for them. You can still send them money with a debit card or your Google Pay balance.
Money you receive from friends and family appears as money in Google Pay. If you verified your identity, you can access your Google Pay balance. This can be used to pay friends and family. Learn more about Google Pay balance.
Add money to your Google Pay balance
After you verify your identity, you can add money to your Google Pay balance with your bank account. If you haven’t verified your identity, you can’t add money to your Google Pay balance. Learn how to verify your identity.
Tip: Since bank account transfers can take up to 3–5 days, you may want to add money to your Google Pay balance a few days earlier than needed.
Transfer money out of Google Pay
Important: Bank account transfer takes 1–3 business days to complete.
You can transfer money out of Google Pay to a bank account or debit card. There’s a fee of 1.5% fee or $.31 USD (whichever is higher) when you transfer out money with a debit card.