# Home

Google Pay is the fast, simple way to pay in millions of places -- online,
in stores, and more. It brings together everything you need at checkout and
keeps your payment information safe in your Google Account until you'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.

![](https://developers.google.com/static/pay/issuers/tsp-integration/images/wallet_home.png)

## Benefits

Device tokenization in Google Pay gives card issuing financial
institutions a prime opportunity to:

- **Showcase your brand:** Cardholders see your card art every time they use Google Pay.
- **Provide a secure payment option:** Google Pay locks devices and times out screens as needed to ensure secure payments. Google coordinates tokenization, security, and key management for you.
- **Capture "top of wallet":** Cardholders can set your card as their primary payment option.

## Tokens and cards-on-file

When a user adds their card to Google Pay, they get one or more of the
following:

- Device token (DPANs)
- Card-on-file (PAN/FPAN, expiry, and cardholder name)
- Cloud token (tokenized version of a card-on-file)

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'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 [Google charge support
page](https://support.google.com/googlepay/answer/7644142)

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
[TSP integration](https://developers.google.com/pay/issuers/tsp-integration/overview) section of this site.

## Supported countries

The consumer support site maintains a [list of
countries](https://support.google.com/pay/answer/7454247)
where Google Pay has launched.

## Supported Google Accounts

Google Pay works with for all types of [Google
accounts](https://support.google.com/accounts/answer/27441), including Gmail
accounts, Google Accounts linked to other email addresses, and Google Workspace
accounts.

> [!NOTE]
> **Note:** Google Workspace accounts require the Google Pay [feature to be
> enabled](https://support.google.com/a/answer/181865?product_name=UnuFlow&trigger_context=a&visit_id=637861485646405506-1364991112&rd=1&src=supportwidget0#zippy=%2Cturn-services-on-or-off-for-users) for your company's Workspace account. This sometimes impacts banks during testing if the Google Pay feature is disabled by their Workspace administrator. If this impacts you, work with your Workspace administrator to enable it.