![Diagram illustrating the cross-device payment verification flow](https://developers.google.com/static/pay/api/images/x-device-flow.png)

The new Cross-device Payment Verification for Google Pay makes desktop checkout
a seamless process, like unlocking your phone.

Where desktop shoppers encounter clunky checkouts and abandon their carts when
navigating multi-factor authentication steps, the Cross-device Payment
Verification feature transforms the desktop shopping experience into a secure,
mobile-first authentication journey. It addresses the common issue where
customers abandon their carts due to cumbersome multi-factor authentication
steps during checkout.

## What is Cross-device for Google Pay?

Cross-device creates a bridge between desktop and mobile, allowing customers to
complete online transactions seamlessly and securely using Google Pay Device
Tokens.

For qualifying transactions, desktop users will be prompted to authenticate on
their mobile device using a secure push notification or by scanning a QR code.
They can then approve the payment by unlocking their phone using a biometric,
such as face unlock, a fingerprint, or a PIN on their trusted Android device.
Our user research indicates that buyers perceive this flow as highly secure and
convenient, offering speed while reducing friction.

## Benefits of Cross-device Payment Verification

Here's why Cross-device is good for businesses and customers:

- **Effortlessly supports regulatory compliance by design:** Cross-device
  offers a user-friendly way to help merchants address MFA and regional
  requirements like the EU and UK's Strong Customer Authentication (SCA)
  requirements.

- **Reduces cart abandonment and boosts sales:** It offers a streamlined
  alternative to one-time passwords and additional redirects that can disrupt
  the checkout flow. By facilitating authentication using a push notification,
  it reduces checkout friction, supporting higher conversion rates.

- **Enhances security and helps prevent fraud:** Using a trusted device with
  biometrics or pin authentication adds a robust layer of verification to
  transactions. Additionally, Cross-device leverages Google Pay's secure,
  device bound tokenized credentials, so that businesses may benefit from
  network liability shift for eligible transactions.