<s>
Google	B-Application
Pay	I-Application
(	O
formerly	O
Android	B-Application
Pay	O
)	O
is	O
a	O
mobile	O
payment	O
service	O
developed	O
by	O
Google	B-Application
to	O
power	O
in-app	O
,	O
online	O
,	O
and	O
in-person	O
contactless	B-Application
purchases	I-Application
on	O
mobile	O
devices	O
,	O
enabling	O
users	O
to	O
make	O
payments	O
with	O
Android	B-Application
phones	I-Application
,	O
tablets	O
,	O
or	O
watches	B-Application
.	O
</s>
<s>
Google	B-Application
Pay	I-Application
uses	O
near-field	O
communication	O
(	O
NFC	O
)	O
to	O
transmit	O
card	O
information	O
facilitating	O
funds	O
transfer	O
to	O
the	O
retailer	O
.	O
</s>
<s>
It	O
replaces	O
the	O
credit	O
or	O
debit	O
card	O
chip	O
and	O
PIN	O
or	O
magnetic	O
stripe	O
transaction	O
at	O
point-of-sale	O
terminals	O
by	O
allowing	O
the	O
user	O
to	O
upload	O
these	O
in	O
Google	B-Application
Wallet	B-Operating_System
.	O
</s>
<s>
It	O
is	O
similar	O
to	O
contactless	B-Application
payments	I-Application
already	O
used	O
in	O
many	O
countries	O
,	O
with	O
the	O
addition	O
of	O
two-factor	O
authentication	O
.	O
</s>
<s>
The	O
service	O
lets	O
Android	B-Application
devices	O
wirelessly	O
communicate	O
with	O
point	O
of	O
sale	O
systems	O
using	O
a	O
near	O
field	O
communication	O
(	O
NFC	O
)	O
antenna	O
and	O
host-based	O
card	O
emulation	O
(	O
HCE	O
)	O
.	O
</s>
<s>
When	O
the	O
user	O
makes	O
a	O
payment	O
to	O
a	O
merchant	O
,	O
Google	B-Application
Pay	I-Application
does	O
not	O
send	O
the	O
actual	O
payment	O
card	O
number	O
.	O
</s>
<s>
Google	B-Application
Pay	I-Application
requires	O
that	O
a	O
screen	O
lock	O
be	O
set	O
on	O
the	O
phone	O
or	O
watch	O
.	O
</s>
<s>
Google	B-Application
Pay	I-Application
uses	O
the	O
EMV	O
Payment	O
Tokenization	O
Specification	O
.	O
</s>
<s>
Users	O
can	O
also	O
remotely	O
halt	O
the	O
service	O
on	O
a	O
lost	O
phone	O
via	O
Google	B-Application
's	I-Application
Find	B-Application
My	I-Application
Device	I-Application
service	O
.	O
</s>
<s>
To	O
pay	O
at	O
points	O
of	O
sale	O
,	O
users	O
hold	O
their	O
authenticated	O
Android	B-Application
device	O
to	O
the	O
point-of-sale	O
system	O
's	O
NFC	O
reader	O
.	O
</s>
<s>
Android	B-Application
users	O
authenticate	O
unlocking	O
their	O
phone	O
by	O
using	O
biometrics	O
,	O
a	O
pattern	O
,	O
or	O
a	O
passcode	O
,	O
whereas	O
Wear	O
OS	O
users	O
authenticate	O
by	O
opening	O
the	B-Application
Google	I-Application
Wallet	B-Operating_System
app	O
prior	O
to	O
payment	O
.	O
</s>
<s>
In	O
EMV-mode	O
transactions	O
,	O
Google	B-Application
Pay	I-Application
supports	O
the	O
use	O
of	O
the	O
Consumer	O
Device	O
Cardholder	O
Verification	O
Method	O
(	O
CDCVM	B-Application
)	O
using	O
biometrics	O
,	O
pattern	O
,	O
or	O
the	O
device	O
's	O
passcode	O
.	O
</s>
<s>
The	O
use	O
of	O
CDCVM	B-Application
allows	O
the	O
device	O
itself	O
to	O
provide	O
verification	O
for	O
the	O
transaction	O
and	O
may	O
not	O
require	O
the	O
cardholder	O
to	O
sign	O
a	O
receipt	O
or	O
enter	O
their	O
PIN	O
.	O
</s>
<s>
Additionally	O
,	O
in	O
certain	O
markets	O
which	O
have	O
a	O
"	O
no	O
verification	O
contactless	O
limit	O
"	O
using	O
contactless	O
cards	O
,	O
the	O
use	O
of	O
CDCVM	B-Application
can	O
enable	O
merchants	O
to	O
accept	O
transactions	O
higher	O
than	O
these	O
amounts	O
using	O
Google	B-Application
Pay	I-Application
,	O
provided	O
that	O
their	O
terminal	O
software	O
is	O
updated	O
to	O
support	O
the	O
latest	O
network	O
contactless	O
specifications	O
.	O
</s>
<s>
In	O
most	O
regions	O
,	O
Google	B-Application
Pay	I-Application
on	O
Android	B-Application
permits	O
the	O
issuing	O
bank	O
to	O
determine	O
whether	O
to	O
allow	O
its	O
payment	O
cards	O
to	O
be	O
able	O
to	O
transmit	O
when	O
the	O
mobile	O
device	O
is	O
locked	O
under	O
a	O
certain	O
monetary	O
amount	O
.	O
</s>
<s>
On	O
Wear	B-Application
OS	I-Application
,	O
this	O
option	O
is	O
not	O
available	O
.	O
</s>
<s>
All	O
transactions	O
for	O
all	O
amounts	O
on	O
wearable	O
devices	O
must	O
be	O
authenticated	O
by	O
opening	O
the	O
Wallet	B-Operating_System
app	O
prior	O
to	O
tapping	O
.	O
</s>
<s>
For	O
the	O
most	O
part	O
,	O
Google	B-Application
Pay	I-Application
is	O
available	O
in	O
all	O
the	O
same	O
regions	O
that	O
Google	B-Application
Wallet	B-Operating_System
is	O
,	O
with	O
one	O
exception	O
.	O
</s>
<s>
In	O
India	O
,	O
tap-to-pay	O
through	O
Google	B-Application
Pay	I-Application
is	O
available	O
through	O
the	O
GPay	B-Application
app	I-Application
.	O
</s>
