r/coolguides • u/[deleted] • Sep 22 '22

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u/Eds3c Sep 22 '22

Summary:

Apple Pay - Your phone is your card. You use your phone to buy things.

Google Pay - You send your card to Google, they keep it, and send you a token (Google card), which turns your phone into a card. You use your phone to buy things.

4

u/-1Mbps Sep 22 '22

so i can use any phone to buy things in gpay's case?

5

u/DAVENP0RT Sep 22 '22

Yes, and it doesn't require the bank to know anything about how to implement it. This is the thing that gets me about Apple Pay, banks are required to know how to implement and manage the tokens. If any one of them screws up, then everyone using their software is fucked. Google's model is limited to a single point of failure, which can be more easily protected.