Payment Security

How secure is Google Wallet?

Security Overview

Google Wallet keeps your cards, passes, and other essentials safe with industry-leading security built right into your Android phone. And when you pay with Google Wallet, your real card info is never shared. Plus, with easy-to-use privacy settings, you're in control of who sees and uses your data.

Android Security

Google Wallet is safer than your physical wallet. It's protected with advanced security features from Android phones, like 2-Setp Verification, Find My Phone, and more. Keep your data and essentials secure with advanced Android security features like 2-Step Verification, Find My Phone, and remotely erasing data.

In store security (Tokenization)

When you tap to pay with your Android phone, Google Pay does not share your actual card numbers with the business, so your payment info stays safe.

What is tokenization?

Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘token’ which acts as a surrogate value. In mobile payments, tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.

How can a token be deleted?

Token deletion can happen in the following scenarios:

  • Payment card removed from Google Wallet
  • Device wiped using Android Device Manager
  • Device has not checked in with Google’s server in 90 days (powered off or does not have internet access)
  • Initiated by the Bank upon Cardmember’s request
Does Google Wallet run on rooted devices?

Google Wallet runs on devices passing attestation. Rooted devices fail at a number of conditions including those indicative of the execution of phone rooting tools.

What should I do if my device is lost or stolen?

If your device has been lost or stolen, you can prevent unauthorised payments being made with your card on Google Wallet by:

  • Locking your device remotely by using Google's Find My Device feature
  • Permanently erasing all the data on your device remotely by using Google’s Find My Device feature
If I were to switch phones, do I need to add the cards all over again?

You would need to add your cards again if you were to change your phone as no data will be stored in the application. You need to ensure that you have removed the payment card from the earlier Google Wallet app to allow new Google Wallet registration for the same card.

Does Google Wallet have access to my bank accounts?

No. Google Wallet does not have access to your bank accounts

Will my Google Wallet information still be on my device if it is formatted?

No. Formatting your device will remove all payment cards registered to your

If I send my phone for repair, do I have to reset Google Wallet?

All payment information in Google Wallet will be deleted. You will need to set up Google Wallet and add your payment card information again.

If I reset my device, what happens to my Google Wallet service?

When performing a factory data reset, all payment information in Google Wallet will be deleted. You will need to set up and add your payment card information into Google Wallet again after your device has been reset.