Google Wallet – Pros and Cons of Google Wallet


Sending money via Gmail can be done using Google Wallet; all you need to do is click on the dollar sign icon. The icon is between the Google Drive and camera icons at the bottom of the email window. However, this question will always come to mind: is it safe? This brings us to the next subtopic.

Google Wallet

When using Google Wallet, one needs to be sure that the platform is secure. This is because your financial information will be with Google. Google was able to fix and ensure strong security. Now, Google has mounted serious security measures to ensure users’ safety.

Is Google Wallet Secure

It is only accessible on devices with a Secure Elements Chip that encrypts your information, so it’s not easy to access it anyhow.

With this improvement, the payment card security industry security standards councils awarded it as the highest level of Standards security. Now, sending and requesting money through the Google Wallet platform is highly secure.

Pros and Cons of Google Wallet

This online payment service has its good and bad sides, and we will look at them below;

Pros of Google Wallet;

Here are some advantages of using the app;


Google Wallet offers a convenient way to make online and in-store payments.

Peer-to-Peer Payments

Users could send money to friends and family using Google Wallet, making it a convenient option for splitting bills or repaying someone.

Integration with Google Services

The platform was integrated into various Google services, such as Gmail, allowing users to send money as attachments in emails.

Security Features

It includes security features like a PIN code and the option to remotely disable the service on a lost or stolen device.

Loyalty Card Integration

Users could store and use loyalty and gift cards within the app, streamlining the payment process and reducing the need for physical cards.

Online and In-Store Payments

It could be used for both online purchases and in-store transactions at merchants that accepted contactless payments.

Cons of Google Wallet

The cons include;

Limited Merchant Acceptance

While it was widely accepted in online stores and among some brick-and-mortar merchants, it faced challenges in gaining widespread acceptance.


Since its release, the platform has faced strong competition from other mobile payment services, such as Apple Pay and Samsung Pay, which limited its market share.

Device Compatibility

The availability of Google Wallet was dependent on device compatibility, and not all Android devices were equipped to use the service.

Privacy Concerns

Some users raised concerns about the privacy of their financial information stored, especially given Google’s data collection practices.

Dependency on Internet Connection

It relies on an internet connection for transactions, which could be a limitation in areas with poor connectivity.

How to Create and Set Up a Google Wallet Account

Creating and setting up your Google Wallet account is simple and seamless. Follow the steps below;

  • Download and open the Google Wallet app
  • Sign in or create an account if you don’t have one yet.
  • Add a payment method. You can add credit/debit cards or link your bank account for seamless transactions on the platform.
  • Verify your identity with the prompts that will be shown.
  • Next, set up security features such as fingerprint or facial recognition.


We have talked about everything related to Google Wallet, including how you can set up your account and its features. What are your thoughts about using Google Wallet? Did we miss out on something? Please use the comment section to let us know.

Frequently Asked Questions

Does Android have a Wallet?

The Quick Access Wallet feature from Android 11 allows the user to access payment cards and relevant passes directly from the power menu.

Is Google Wallet the Same as Google Pay?

The Google Pay app is now the Google Wallet app. This change is to simplify how you store and use cards and passes. It is a secure and private digital Wallet that gives you quick payment cards, passes, tickets, keys, or IDs that you choose to store on it.

Does Google Wallet Charge a fee?

While there is no charge to send money to family and friends or buy with a debit card, Google pay will charge 2.9 per cent if you use a credit card.

Why can’t I see Google Wallet App?

If you don’t have Google Pay installed on your device, Google Wallet will not come as an update to you. This means you’ll need to install it manually.

How do you Pay with Google Wallet?

Set up your Android phone for easy, contactless payment. kindly add your debit or credit card to get started. When you are ready to pay, unlock your phone and hold it near the reader, then look for the checkmark to know your payment has been accepted.

What Happened to the Google Pay App?

The Google Pay App works alongside the Google Wallet. Use Google Wallet to store your daily essentials and the Google Pay App to manage your Finances.

What is a Digital Wallet?

Digital Wallet is fast and allows you to pay with your Phone or store cards, ticket passes, keys, and IDs.

What are Contactless Payments?

Contactless Cards allow you to use your phone to pay everywhere Google Pay or Contactless card is Accepted. For you to make a contactless payment with Google Wallet, you must have an Android phone with Near Field Communication.

Also, Check Out:


Please enter your comment!
Please enter your name here