Wallet
Google Pay is a wallet, not a processor. It passes payment details to your payment processor, which charges the card fees; Google says it adds no fees for merchants. Shopify and many PSPs support it.
Strengths
Watch out for
Best for
Any store that wants faster checkout for Google Pay users, added through its existing processor or platform.
| Type | Wallet |
|---|---|
| Pricing model | No separate fee; your processor's card rates apply |
| Card rate | Not published |
| International | Not published |
| Monthly fee | Not published |
| Setup fee | Not published |
| Chargeback fee | Not published |
| High-risk businesses | Not published |
|---|---|
| Dropshipping | Not published |
| Reserves | Not published |
| Payout speed | Not published |
|---|---|
| Merchant countries | Depends on your processor; Google says the Google Pay API is available worldwide. |
| Currencies | Not published |
| Shopify | Built in |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Not published |
| One-click upsells | Not published |
| Apple Pay | No |
| Multiple MIDs | Not published |
| Token portability | Not published |
Google says Google Pay does not charge users, merchants or developers additional fees, and that merchants keep paying processing fees to their payment processor. Shopify also says there is no extra fee for Google Pay.
Underwriting, restricted businesses and reserves are set by your processor; Google says it is not in the money flow.
Payout timing is set by your processor.
Google lists Shopify and WooCommerce among e-commerce platforms, and Stripe, Adyen, Braintree, Square, Paysafe, BlueSnap, Revolut and Helcim among processors. On desktop web and iOS, Google Pay returns card numbers that need 3D Secure; on Android it can return network tokens.
Google Pay sources · checked 2026-10-21