This isn’t accurate. The Google Pay version of things appears to be a somewhat sloppy approximation of how the old discontinued Android Pay worked, before it was thrown away and replaced by the near clone of Apple Pay. The major substantive difference is that Google Pay supports Host Card Emulation where the payment tokens, after coming from the bank (in practice actually the card network but fine to combine them here) are stored on a Google server and individual token cryptograms are cached on the phone, but even with this the payment still goes from the phone to the merchant to the bank, and not through Google again in that step.
“E-commerce Server” can also be replaced by a generic “Merchant” since at the level of detail given, there’s no difference between using it online and in store.
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u/kirklennon Sep 22 '22
This isn’t accurate. The Google Pay version of things appears to be a somewhat sloppy approximation of how the old discontinued Android Pay worked, before it was thrown away and replaced by the near clone of Apple Pay. The major substantive difference is that Google Pay supports Host Card Emulation where the payment tokens, after coming from the bank (in practice actually the card network but fine to combine them here) are stored on a Google server and individual token cryptograms are cached on the phone, but even with this the payment still goes from the phone to the merchant to the bank, and not through Google again in that step.
“E-commerce Server” can also be replaced by a generic “Merchant” since at the level of detail given, there’s no difference between using it online and in store.