Is Google Pay safe?

The PIN code/ password/ pattern and UPI PIN all make this Google Pay app safe and secure. Additionally, Google says that G Pay doesn’t share your actual card details when you make payments in-store. Instead, the merchant receives a unique encrypted number. The search-engine giant has worked with leading payment networks and financial institutions to deliver industry-standard security tokenization. With tokenization, the retailer receives a 16-digit number instead of your account number.

Transactions using Google Pay are secure as Google keeps all payment information on secure servers. Your full card details are never stored on your phone or shared with merchants when you use Google Pay. Merchants are only provided with your Virtual Account Number.

When Google Pay is used for transactions a confirmation appears in the app which can assist you to detect suspicious activity sooner. This alert contains where the transaction occurred along with the merchant’s name and the amount of the payment or refund.

If you misplace your phone you can use Android Device Manager to either lock your device or perform a remote factory reset to prevent further Google Pay transactions being processed.

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