Google Pay, a Merchants guide

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

What is Google Pay?

Similar to Apple Pay, Google Pay is a contactless payment method where customers can make payments using their android mobile, tablet or watch. The clever tech works by using NFC (near field chip) to communicate between the device and chip and pin machine, authorising payment by securely transferring card data. The devices have NFC embedded in them, meaning that when they hover near a terminal the payment request is made automatically. Customers can then authorise payment using face ID or unique pin code.

Is Google Pay and Android Pay the same thing?

Google Pay, was previously known as Android Pay. However, following a merger between the two apps, Android Pay and Google Wallet, Google Pay was born. Technically the two do not differ, Google Pay should be seen as the Apple alternative for Android users.

Accept payments online via Google Pay

Accepting Google Pay via an ecommerce platform is getting increasingly popular, despite being slightly behind the launch of Apple Pay, many merchants are choosing to use Google Pay on their ecommerce sites. Google Pay is used to authorise payments, this can be done in one of two ways;

  • Payments made via the same device – purchasing online via a mobile or tablet and authorising through the same device.
  • Payments made using two devices – i.e. the customers have shopped online on laptop and authorised payment via a different device, such as a mobile or watch.

Google Pay Payment Gateway pricing

If you choose to accept payments with Google, there will be no additional costs for the service. Once you’ve found a Google Pay enabled Payment Gateway or Merchant Account provider, the processing costs should be made clear. As with all card payments fees, expect to pay a percentage amount per transaction and authorisation fees – there should be no extra costs for accepting Google Pay.


Merchant Advice Service suggest you review your card payment processing fees on a regular basis, shopping around and fairly comparing merchant accounts on a pound for pound basis will ensure you secure the best account for your requirements without paying over the odds.


Google Pay card machines

Accepting Google Payments face-to-face is simple, providing you have a contactless enabled card machine. Both payment types work with the same technology, so businesses won’t need to change the machine to accept Google Payments.


Google Pay and Apps

In recent years purchases made via Apps has increased dramatically, from gaming to hospitality Apps, there are vast amounts available. Integrating Google Pay into business App’s via the Payment Gateway can be a great way to streamline the customer journey and reduce bounce rate at checkout.

Merchant Advice Service, how we help

Merchant Advice Service is a non-biased, free of charge platform helping businesses to accept card payments seamlessly. Together with our partnering banks and brokers we have a wide range of Google Pay enabled solutions. If your business is wanting to start accepting Google Pay or switch providers for cheaper processing costs, our experts are on hand to help.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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