To send money, a Google Pay user enters the email address or phone number of the recipient.

The recipient must then link that phone number or email address to a bank account in order to access those funds.

[7] Received money goes to the Google Pay Balance and stays there until the user decides to cash out to a linked account.

After downloading the app, the user creates a four-digit personal identification number (PIN) for managing everything within their Google Pay account.

[9] In September 2017, Google launched its first major payments service outside the United States, in Tez,[10][11] India.

[16][17] The original version of Google Wallet allowed users to make point-of-sale purchases with their mobile devices using near-field communication (NFC) technology.

As a result, any gift cards, loyalty programs, and promotional offers stored in an older version of Google Wallet could no longer be used.

[21][22] Separate from Android Pay, Google Wallet now allows peer-to-peer transactions for cases such as when people want to split the cost of shared expenses, reimburse each other, keep track of joint spending, or give money as a gift or loan.

There are limits on how much money users can add to their Wallet Balance, withdraw from the linked account or card, or send and receive to other individuals.

Previously, a 2.9% fee applied to funds added via debit card, although Google dropped that ability as of May 2, 2016.

The payments PIN is used for: Google also recommends having a general passcode on mobile devices for additional security.

This is in adherence with US Federal Deposit Insurance Corporation financial regulations that require payment providers to ensure customer identity.

It is suggested that hackers could create a way to intercept data by eavesdropping on Google Analytics, which monitors apps used on the Android OS.

The lawsuit noted that Bedier knew all of PayPal's future plans for mobile payments, as well as an internal detailed analysis of Google's weaknesses in the area.