Important: If you’ve previously accepted the Google Payments Buyer (US) Terms or the Google Pay US Terms, then those terms will continue to govern the services that they cover, until January 4, 2021, at which point this new Google Pay Terms of Service will control.
If you haven’t previously accepted those terms, then this new Google Pay Terms of Service applies to any service presented to you under those Terms.


Google Pay/Google Payments Additional Terms of Service (U.S.)

Last modified: November 18, 2020

A. Google Pay Terms

B.  Google Payment Corp. Services

Exhibit A. Google Pay Balance Short Form Disclosures

Exhibit B. Google Pay Balance Long Form Disclosures

A.  Google Pay Terms

B.  Google Payment Corp. Services

Google Payment Corp. (‘GPC’), a subsidiary of Google LLC, offers or facilitates various products and services (the ‘GPC Services’), described in the following sections.  The sections of these Terms which relate to specific GPC Services govern your access and use of those GPC Services to the extent you participate in the specific GPC Service discussed in that section. In the event of a conflict between the GPC Services provisions of these Terms and the Google Pay provisions of these Terms or the Google ToS, the GPC Services provisions of these Terms will prevail.

These GPC Services Terms are divided into the following parts:

B.  Google Payment Corp. Services

Exhibit A. Google Pay Balance Short Form Disclosures

Exhibit B. Google Pay Balance Long Form Disclosures

Exhibit A. Google Pay Balance Short Form Disclosures

Monthly Fee

$0

Per Purchase

$0

ATM Withdrawal

N/A

Cash Reload

N/A

ATM Balance Inquiry (in-network or out-of-network)

N/A

Customer Service (automated or live agent)

$0

Inactivity (after 12 months with no transactions)

$0

We charge 3 other types of fees. Here are some of them.

Transfer from your registered debit card to your Google Pay Balance.

$0.31 or 1.5% of the transfer amount, whichever is greater*

Withdrawal from your Google Pay Balance to your registered debit card.  

$0.31 or 1.5% of the withdrawal amount, whichever is greater*

Google Pay person-to-person/peer-to-peer payment funded with your registered debit card. 

$0.31 or 1.5% of the payment amount, whichever is greater*

*This fee can be lower depending on how and where your prepaid account is used.

No overdraft/credit feature.

Your funds are not FDIC or NCUA insured.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

Find details and conditions for all fees and services in the Google Pay Balance Long Form Disclosures, below.

Exhibit B. Google Pay Balance Long Form Disclosures

List of all fees for Google Pay Balance

All fees

Amount

Details

Opening Google Pay Account and holding Google Pay Balance

Google Pay Account setup

$0

No fee to set up a Google Pay Account.

Monthly fee

$0

No monthly or other fee to hold Google Pay Balance in your Google Pay Account.

Add money to your Google Pay Balance/add money

Transfer from your third-party funding account

$0.31 or 1.5%

$0

This is our fee. A fee of $0.31 or 1.5% of the transaction amount (whichever is greater) is assessed on transfers from your registered debit card to your Google Pay Balance. This fee is waived until you are able to register and use a debit card account to transfer funds to your Google Pay Balance, or March 31, 2021 (whichever is later). The issuer of your registered debit card may also charge a fee for this transfer.

No fee to transfer funds from your registered ACH-enabled checking or savings account to your Google Pay Balance. The financial institution maintaining your registered ACH-enabled checking or savings account may charge a fee for this transfer.

Receive money through Google Pay person-to-person/ peer to peer payment

$0

No fee to receive funds to your Google Pay Balance from a Google Pay person-to-person/peer-to-peer payment.

Receive money from Google

$0

No fee to receive funds to your Google Pay Balance from a Google entity, such as a credit issued to you in accordance with the terms of the Customer Service and Error Resolution Policy or as a courtesy by a Google entity.

Other transfers

$0

No fee for any other transfers to your Google Pay Balance.

Transferring money from your Google Pay Balance/spend money

Withdrawal to your registered third-party funding account

$0.31 or 1.5%

$0

This is our fee. A fee of $0.31 or 1.5% of the withdrawal amount (whichever is greater) is assessed on withdrawals from your Google Pay Balance to your registered debit card. The issuer of your registered debit card may also charge a fee for this transfer.

No fee to withdraw funds from your Google Pay Balance to your registered ACH-enabled checking or savings account. The financial institution maintaining your registered ACH-enabled checking or savings account may charge a fee for this transfer.

Send money through Google Pay person-to-person/peer-to-peer payment

$0.31 or 1.5%

$0

This is our fee. Starting March 31, 2021, a fee of $0.31 or 1.5% payments funded with your registered debit card . The issuer of your registered debit card may also charge a fee for this payment.

No fee to send funds through a Google Pay person-to-person/peer-to-peer payment funded with your registered ACH-enabled checking or savings account. The financial institution maintaining your registered ACH-enabled checking or savings account may charge a fee for this payment.

Online purchases

$0

No fee for online purchases.

Other withdrawals

$0

No fee for any other withdrawal from your Google Pay Balance.

Get cash

ATM withdrawal (in network)

N/A

Google Pay Balance cannot be withdrawn at ATMs.

ATM withdrawal (out-of-network)

N/A

Google Pay Balance cannot be withdrawn at ATMs.

Information

Customer service (chat)

$0

No fee for customer service via chat, including for balance inquiries.

Customer service (live agent)

$0

No fee for live agent customer service, including for balance inquiries.

Account statements

$0

No fee to access your account statements.

Other

Inactivity

$0

There is no fee if you have not completed a Google Pay Balance transaction for 6 months. There is no dormancy fee or charge.

Your funds are not FDIC or NCUA insured. Accordingly, should Google Payment Corp. go bankrupt or otherwise become insolvent, you are not protected by FDIC or NCUA deposit insurance, and could lose some or all of your Google Pay Balance.

No overdraft/credit feature.

Contact Google Payment Corp. by calling 1-855-492-5538, by mail at 1600 Amphitheatre Pkwy., Mountain View, CA or visit pay.google.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.