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</devsite-book-nav> <section id="gc-wrapper"> <main role="main" class="devsite-main-content" has-book-nav> <devsite-content> <article class="devsite-article"> <div class="devsite-article-meta nocontent" role="navigation"> <ul class="devsite-breadcrumb-list" aria-label="Breadcrumb"> <li class="devsite-breadcrumb-item "> <a href="http://web.archive.org/web/20241126052903/https://developers.google.com/" class="devsite-breadcrumb-link gc-analytics-event" data-category="Site-Wide Custom Events" data-label="Breadcrumbs" data-value="1" track-type="globalNav" track-name="breadcrumb" track-metadata-position="1" track-metadata-eventdetail=""> Home </a> </li> <li class="devsite-breadcrumb-item "> <div class="devsite-breadcrumb-guillemet material-icons" aria-hidden="true"></div> <a href="http://web.archive.org/web/20241126052903/https://developers.google.com/products" class="devsite-breadcrumb-link gc-analytics-event" data-category="Site-Wide Custom Events" data-label="Breadcrumbs" data-value="2" 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track-metadata-position="4" track-metadata-eventdetail="Device Tokenization Developer Site"> Device Tokenization </a> </li> </ul> <devsite-thumb-rating position="header"> </devsite-thumb-rating> </div> <devsite-feedback position="header" project-name="Device Tokenization Developer Site" product-id="5122435" bucket="" context="" version="t-devsite-webserver-20241114-r00-rc02.464922260396498922" data-label="Send Feedback Button" track-type="feedback" track-name="sendFeedbackLink" track-metadata-position="header" class="nocontent" project-icon="https://www.gstatic.com/devrel-devsite/prod/v870e399c64f7c43c99a3043db4b3a74327bb93d0914e84a0c3dba90bbfd67625/developers/images/touchicon-180-new.png"> <button> Send feedback </button> </devsite-feedback> <h1 class="devsite-page-title" tabindex="-1"> Home </h1> <devsite-feature-tooltip ack-key="AckCollectionsBookmarkTooltipDismiss" analytics-category="Site-Wide Custom Events" analytics-action-show="Callout Profile displayed" 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It brings together everything you need at checkout and keeps your payment information safe in your Google Account until you&#39;re ready to pay. Google Pay also makes it easy to keep track of purchases, redeem loyalty points, and get personalized suggestions to help you save time and money.</p> <p><img alt="" src="/web/20241126052903im_/https://developers.google.com/static/pay/issuers/tsp-integration/images/wallet_home.png" width="225px" class="attempt-right"></p> <h2 id="benefits" data-text="Benefits" tabindex="-1">Benefits</h2> <p>Device tokenization in Google Pay gives card issuing financial institutions a prime opportunity to:</p> <ul> <li><strong>Showcase your brand:</strong> Cardholders see your card art every time they use Google Pay.</li> <li><strong>Provide a secure payment option:</strong> Google Pay locks devices and times out screens as needed to ensure secure payments. Google coordinates tokenization, security, and key management for you.</li> <li><strong>Capture &quot;top of wallet&quot;:</strong> Cardholders can set your card as their primary payment option.</li> </ul> <h2 id="cof" data-text="Tokens and cards-on-file" tabindex="-1">Tokens and cards-on-file</h2> <p>When a user adds their card to Google Pay, they get one or more of the following:</p> <ul> <li>Device token (DPANs)</li> <li>Card-on-file (PAN/FPAN, expiry, and cardholder name)</li> <li>Cloud token (tokenized version of a card-on-file)</li> </ul> <p>Device tokens, cards on file, and cloud tokens are used in different scenarios. Device tokens are device bound and can be used for in-store NFC transactions and online transactions. Cards on file and cloud tokens are stored at the account level, rather than on the device, and can be used for peer-to-peer and online transactions. When tokenizing a card, the user&#39;s card information may be stored as a card on file and can potentially incur a small, temporary charge. This charge is refunded once the account has been verified. More information can be found on the <a href="http://web.archive.org/web/20241126052903/https://support.google.com/googlepay/answer/7644142" class="external">Google charge support page</a> </p> <p>This documentation generally focuses on device tokens rather than cards on file or cloud tokens. For details on how to enable device tokenization, refer to the <a href="/web/20241126052903/https://developers.google.com/pay/issuers/tsp-integration/overview">TSP integration</a> section of this site.</p> <h2 id="supported_countries" data-text="Supported countries" tabindex="-1">Supported countries</h2> <p>The consumer support site maintains a <a href="http://web.archive.org/web/20241126052903/https://support.google.com/pay/answer/7454247" class="external">list of countries</a> where Google Pay has launched.</p> <h2 id="supported_google_accounts" data-text="Supported Google Accounts" tabindex="-1">Supported Google Accounts</h2> <p>Google Pay works with for all types of <a href="http://web.archive.org/web/20241126052903/https://support.google.com/accounts/answer/27441">Google accounts</a>, including Gmail accounts, Google Accounts linked to other email addresses, and Google Workspace accounts.</p> <aside class="note"><strong>Note:</strong><span> Google Workspace accounts require the Google Pay <a href="http://web.archive.org/web/20241126052903/https://support.google.com/a/answer/181865?product_name=UnuFlow&amp;trigger_context=a&amp;visit_id=637861485646405506-1364991112&amp;rd=1&amp;src=supportwidget0#zippy=%2Cturn-services-on-or-off-for-users" class="external">feature to be enabled</a> for your company&#39;s Workspace account. This sometimes impacts banks during testing if the Google Pay feature is disabled by their Workspace administrator. 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