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Google announces updates to Google Pay: Tokenised cards, Google Pay for Business and Spot

Google announced support for tokenised cards in the Google Pay app on September 19, at the Google for India event held in New Delhi. Tokenised cards are digital representations of physical credit and debit cards, so users don’t have to carry physical cards with them. Tokenised apps can be used on NFC enabled devices. Visa cards issued by HDFC bank, Kotak Mahindra Bank, State Bank of India, Standard Chartered and Axis bank will get support for this feature within the next month. Mastercards and Rupay cards will get the support within a couple of months.

To enable this feature, a user will have to add a credit/debit card to the Google Pay app. Following that, the app will request a token to represent the card the user is trying to add, from the bank that has issued that card. After getting approval from the bank, the card would be saved in a tokenised form within the Google Pay app.

Google Pay for Business, including video verification of merchants

Google also announced Google Pay for Business app, which will be available to all merchants in the country. “Offline merchants account for about 80% of all the shopping done in India and there is a need to enable digital payments for them,” said Ambarish Kenghe, Sr. Director, Product, Google Pay. To use the Google Pay for Buisiness app, a merchant will have to go through a video verification process. Take a look at the video below to understand how it’ll work:

Note that the app used in the demonstration is Google Duo. Also, Google didn’t specify if the woman on the other side was a real human or Google Assistant. Another thing to note is that in the video demonstration, the person just said his name, and Google accepted that he was saying the truth, without any verification if the person was indeed saying the truth. There could be a possibility that users might have to also show some kind of ID proof to verify their name.

Businesses can have their ‘spot’ on Google Pay and sell items via the platform

Another interesting announcement was the Spot Platform for the Google Pay app. This platform will allow businesses to build their own space within the Google Pay app. Sapna Chaddha, Director of marketing, SE Asia and India, Google explained the platform by using eatfit as an example. Eatfit had an icon within the app, and when the icon was clicked, it showed all the past transactions that had  been done with eatfit. The page also had eatfit’s website embedded in that page which opened up eatfit’s entire menu within the app. Chaddhha said that this was eatfit’s “spot” within the Google Pay app and was licensed and owned completely by eatfit.

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Chaddha also said that users’ data will not be shared with businesses who choose to have a spot page within the Google Pay app.

Apart from that, users can also scan a QR code with the Google Pay app and it’ll take them to the Spot page of that particular business. When you get the items delivered, the box in which they’ll come will also have the same QR code. If your phone is NFC enabled, you just need to tap on the QR code and it launched the spot page. This was platform agnostic.

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