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Setting up Google Wallet for both Android and iOS

The iPhone 6 from Apple was the first phone from Apple that started to make use of mobile payments. It is also the first iPhone to use NFC. NFC is a feature that is now widely used on Android and Windows phones. There are millions of credit cards that are on record with Apple. Apple did redefine the mobile payments with the help of NFC, TouchID, and a simple set-up process.

For Android and iOS users, thanks to Google Wallet has allowed the use of mobile payments as long as there are NFC features on their smartphones. The Google Wallet reduced the weight of your wallet by allowing you to store all your credit and debit cards on your smartphone. Google Wallet allows you to save funds and receive funds from others right on your smartphone. Google Wallet allows use on any smartphone running Android 2.3 or higher and for Apple’s iOS 6 or higher.

If you haven’t set up Google Wallet on your smartphone, now is the time for you to do it. It’s quite simple. Google Wallet leads to faster checkout times with credit cards or chip-and-pin cards.

Here is a step-by-step process of setting up your Google Wallet account and app.

  1. Go to Google Playstore or iTunes App Store and download the Google Wallet app.
  2. Once the app is installed, sign in and open the app with your Google Account.
  3. You will be asked to mention your ZIP code. You will also be asked whether you would like to receive any updates or not. Select the options and click on Next.
  4. Next, you will see is a list of terms and conditions of services for using the Google Wallet app. Go through the terms and tap Accept and then click on Continue which is present at the end of the screen.
  5. You will then be asked to set up a PIN for your Wallet account. Choose a four digit password. Create a password that is easy to remember but hard for others to guess. The PIN will be required in situations where you would want to make cash withdrawals and debit account payments, in case you are making use of the Google Wallet MasterCard debit card. The Wallet is used by the card as a funding source. The PIN will be used to enter at the checkout counter when you make a payment with that card. If a certain PIN is used to lock your phone, use a different PIN for your Wallet app.
  6. You will be asked to re-enter the Wallet PIN. Now your Google Wallet account and app is set up and ready to use.

Adding Funds

In order to add funds to your Google Wallet account, you will be required to link a bank account to the app and transfer you want in your Google Wallet app. In order to make payments, you can also link credit cards and debit cards to the Google Wallet app. The app will show you the steps to do this.

There will be certain restrictions until you verify your identity on the online app.

  • You can’t make a payment of $1,000 in a period of 24 hours from just one device using the Google Wallet app. It includes the balance in your wallet and credit and debit cards. There will be a limit at $10,000 for making payments from multiple devices.
  • Using the Google Wallet card, you will be able to make a payment of $5,000 every 24 hours. The cash withdrawals at ATMs are not included in this.
  • There are no fees to be paid for cash withdrawals at ATMs or banks. The ATM might charge a fee.


To make the most of your Google Wallet app, you will have to verify your identity. Log on to the online account and click on the gear button located in the upper right corner. Once you click the Verify Identity button and information asked of you, the process is done.

Using the Google Wallet card

The Google Wallet app makes it extremely easy for you to transfer money and make payments to merchants that allow NFC payment terminals. In order to make use of the app with an NFC terminal, you must link more than one debit or credit card. Hold your Android or iOS phone near the terminal. Tap to pay from the card of your choice. You can make use of the Google Wallet cards to keep the transactions in sync with your app.