Google Pay uses near-field communication (NFC) to transmit card information facilitating funds transfer to the retailer.

It replaces the credit or debit card chip and PIN or magnetic stripe transaction at point-of-sale terminals by allowing the user to upload these in Google Wallet.

However, younger users can still have access to Google Pay if a parent or guardian manages Wallet for them, and utilizes an approved bank (currently only available on the Fitbit Ace.

To pay at points of sale, users hold their authenticated Android device to the point-of-sale system's NFC reader.

The use of CDCVM allows the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN.

[11] Since 2022, the functionality of adding NFC bank cards in Google Wallet requires devices to pass Play Integrity API checks.