Google Wallet Card: Another Way to Pay

Google unveiled and launched its Google Wallet card last week, and we recently just received ours in the mail. If you have a Google Wallet account, you can order your card for free within seconds, and even if you don’t have a Google Wallet account, you can activate one quickly and easily if you have a Google account (which almost everyone has).

Google Wallet essentially acts like a bank account but without any annoying routing numbers or account numbers to deal with, similar to PayPal. In the past, users have been able to pay for things from their Google Wallet account by using online retailers that support the service, or send money directly to other Google Wallet users. Plus, if your phone has NFC, you’re able to “tap and pay” for items at your local store.

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However, the Google Wallet card adds another dimension to your Google Wallet account as far as paying for goods, and it’s really easy to set up and activate your card once you get it in the mail.

First, you’ll have to update the Google Wallet app on your Android device in order to activate the card (you can also visit wallet.google.com to activate). You should see a new section in the updated app that shows the shipment status of your Google Wallet card. From here, you can tap on that section to begin the activation process when you receive the card.

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All you have to do is enter in the last four digits on the card, which are on the back of the card instead of the front (like on most credit and debit cards). Next, Google will tell you what you can do with the card, such as using the card as a normal debit card and even getting cash from an ATM, using the Google Wallet app’s PIN if ever prompted for it.

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Now, you can use the Google Wallet card as sort of an all-in-one card for all of your credit and debit cards (similar to the recently-announced Coin card), but it takes a little it more effort to make it happen. Your Google Wallet card automatically uses your Google Wallet balance, but if you don’t have enough money in your balance to cover a purchase you make with your Google Wallet card, the transaction will most likely be denied, so┬áin order to use the Google Wallet card in this fashion, you’ll have to transfer money into your Google Wallet balance first, and you’ll have to make sure that you have all of your credit and debit cards stored in the app — at least just the ones you want to associate with your Google Wallet account/card.

Furthermore, you’ll have to use the Google Wallet app on your phone in order to switch what credit or debit card you want to use at any particular time. With the Coin card, you can change which card you want to use just by clicking that nifty button on the card itself; it’s a bit more cumbersome to do the same thing with the Google Wallet card. It’s essentially just meant to be a debit card for your Google Wallet balance, but you can make it work as a Coin card with a little bit of extra effort.

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Plus, using your Google Wallet card prevents you from having to hand over your actual credit and debit cards to cashiers or waiters, exposing your credit card number and other information. Normally, these folks use integrity when you hand them your credit card and take it to the back room to ring you up, but using your Google Wallet card adds an extra layer of security, knowing that you can immediately deactivate the card right from the app on your phone if you detect any fraudulent activity.

Comments

  1. Ian Douglas says

    According to the Google Wallet rep I just called, this is NOT true. The “choose which funding source to use” only applies to the NFC tap-to-pay setup of Google Wallet. The physical debit card MUST be funded, but you can opt to transfer funds from any of your available, verified sources BEFORE the debit/credit charge happens on your GW card, but you HAVE to do that transfer first.

  2. Ian Douglas says

    Kush: Google says in their FAQ that *they* will not charge ATM fees, but any ATM you use may charge you fees according to the practices of that bank/business. For example, if I use my Wells Fargo ATM card at a Bank of America, BofA will charge fees for using their equipment even if Wells Fargo opts not to. Likewise, if I were to use my Google Wallet card at a BofA ATM, Google (and Bancorp who issues the actual physical card) will not charge fees, but BofA would.

  3. staffordr says

    Coin is still more promising since you won’t be able to earn rewards if you use the Google card since every transaction you ever do would come from Google and not the actual merchant which would otherwise give you points. Example: Buying gas using a card that would normally give you 2%. Instead, it will only give you the base 1% since you’re just transferring to Google.

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